Common use of Disputed Transactions Clause in Contracts

Disputed Transactions. a) You may be entitled to claim a refund in relation to transactions made using Your Card where: i. the transaction was not authorised under this Agreement. In most cases, We shall accept responsibility for any transaction which was incorrectly executed, provided it has been notified to Us in accordance with the Authorising Transactions Section above; ii. a pre-authorised transaction did not specify the exact amount at the time of its authorisation and the amount charged by a Merchant is more than You could reasonably have expected (taking into account normal spending patterns on the Card or the circumstances of the transaction). However a claim for a refund in such circumstances will not be accepted if the amount of the transaction was made known to You at least 4 weeks before the transaction date or if the claim is made more than 8 weeks after being debited to Your Available Funds; and iii. We were notified of the unauthorised/incorrectly executed transaction within 13 months of the debit date of such transaction. b) If any of the above circumstances apply, You should contact the Merchant first as this may lead to a quicker resolution of the dispute (and for the avoidance of doubt, reasonable time taken to contact the relevant Merchant shall not be deemed an undue delay). You can also ask Us to investigate any transaction or suspected misuse of Your Card. In such cases, and subject to the other terms of this Agreement, We will immediately process a refund of the amount of the disputed transaction and/or We may need more information and assistance from You to carry out such investigation. c) If We refund a disputed transaction to Your Card and subsequently receive information to confirm that the transaction was authorised by You and correctly taken from Your Card, We may deduct the amount of the disputed transaction from the Available Funds. d) If Our investigations subsequently discover that the disputed transaction was genuine and authorised by You directly or indirectly, or that You have acted fraudulently or with gross negligence, We may charge You an Administration Fee, see the Fees and Limits Section below for full details.

Disputed Transactions. a) You may 14.1 If you have a reason to believe that a transaction for which your Card was used is unauthorised or has been posted to your Account in error, you must immediately contact Customer Services, but in any event within 13 months of the date of the relevant transaction. Any delay in notifying us makes it more difficult for us in investigating the transaction. If you dispute a transaction, the Merchant must be able to prove that the transaction took place. 14.2 We will immediately refund the amount to your Account to the position it would have been in if the unauthorised transaction had not taken place. We will have no further liability to you. If we subsequently discover that you were not entitled to a refund, we shall treat the refund as a mistake and be entitled to claim reapply the transaction, including any interest and charges to your Account. In this event we will charge you a £10 administration fee. 14.3 If there are reasonable grounds for thinking that you may not be entitled to a refund in relation (based on the evidence available to us at the time you report the unauthorised transaction), we may investigate before giving you a refund. 14.4 You will be liable for all transactions made using Your Card where:from your Account(s); i. 14.4.1 if you have acted fraudulently,; or 14.4.2 if the transaction was not authorised under this Agreement. In most casesmade because you deliberately or with gross negligence failed to keep your Card or Card details secure or your PIN or other security information secret, 14.5 Where you have agreed that another person in the EEA can take a payment from your Account (e.g. if you have given your Card details to a retailer for the purpose of making a payment), We shall accept responsibility for any transaction which was incorrectly executed, provided it has been notified you can ask us to Us in accordance with refund a payment if all the Authorising Transactions Section above;following conditions are satisfied: ii. a pre-authorised transaction 14.5.1 the authorisation you gave did not specify the exact amount at the time of its authorisation and to be paid; 14.5.2 the amount that has been charged by a Merchant is to your Account was more than You you could reasonably have expected (taking into account normal spending patterns to pay, based on the Card or the circumstances of the transaction). However a claim for a refund in such circumstances will not be accepted if the amount of the transaction was made known to You at least 4 weeks before the transaction date or if the claim is made more than 8 weeks after being debited to Your Available Fundscircumstances, including previous spending patterns; and iii. We were notified 14.5.3 you make the refund request within eight weeks of the unauthorised/incorrectly executed transaction within 13 months of date when the debit date of such transactionpayment was charged to your Account. b) If any of the above circumstances apply, You should contact the Merchant first as this may lead to a quicker resolution of the dispute (and for the avoidance of doubt, reasonable time taken to contact the relevant Merchant shall not be deemed an undue delay). You can also ask Us to investigate any transaction or suspected misuse of Your Card. In such cases, and subject to the other terms of this Agreement, We will immediately process a refund of the amount of the disputed transaction and/or We may need more information and assistance from You to carry out such investigation. c) If We refund a disputed transaction to Your Card and subsequently receive information to confirm that the transaction was authorised by You and correctly taken from Your Card, We may deduct the amount of the disputed transaction from the Available Funds. d) If Our investigations subsequently discover that the disputed transaction was genuine and authorised by You directly or indirectly, or that You have acted fraudulently or with gross negligence, We may charge You an Administration Fee, see the Fees and Limits Section below for full details.

Disputed Transactions. a) a. You may be entitled to claim a refund in relation to transactions for a transaction made using Your with your Vox Money account Card where: i. the transaction was not authorised under this Agreementby you; ii. In most cases, We shall accept responsibility for any the transaction which was incorrectly executed, provided it has been executed by the Merchant and notified to Us us (in accordance with the “Authorising Transactions Transactions” in Section 9 above); iiiii. a pre-authorised the transaction did not specify the exact amount at the time of its authorisation and the amount charged by a the Merchant is was more than You you could reasonably have expected (expected, taking into account normal spending patterns on the your Vox Money account Card or the circumstances of the transaction). However (However, please note that a claim for a refund in such circumstances needs to be made within 90 days of the date of the transaction was applied to your account and will not be accepted if the amount of the transaction was made known to You at least 4 weeks before authorised by you and the time between the authorisation and the date of the transaction date or if the claim is made more than 8 weeks after being debited applied to Your Available Funds; andyour account did not exceed 30 days.); iiiiv. We we were notified of the unauthorised/incorrectly executed transaction within 13 months 120 days of the debit date of such transactionthe transaction shows in your account. b) b. If any of the above circumstances apply, You you should first contact the Merchant first Merchant, as this may lead to a quicker resolution of the dispute (and for the avoidance of doubt, reasonable time taken to contact the relevant Merchant shall not be deemed an undue delay)dispute. You can may also ask Us us to investigate any the transaction or suspected any misuse of Your your Vox Money Card. In such cases, and subject Subject to the other terms of this Agreement, We we will immediately process a refund of the amount of the disputed transaction and/or transaction. We may need more information and assistance from You you to carry out such an investigation. c) c. If We we refund a disputed transaction to Your your Vox Money account or Card and subsequently receive information to confirm that the transaction was authorised by You and you and/or correctly taken from Your posted to your Vox Money Card, We may we shall deduct the amount of the disputed transaction from the Available FundsFunds (or, if the Available Funds are insufficient, require you to immediately refund the shortfall). d) d. If Our our investigations subsequently discover that the disputed transaction was genuine and authorised by You directly or indirectlyyou, or that You have you acted fraudulently or with gross negligence, We we may charge You an Administration Fee, see the Fees and Limits you for our costs and/or losses in accordance with “Your Liability” in Section below for full details11 above.

Disputed Transactions. a) You may 14.1 If you have a reason to believe that a transaction for which your Card was used is unauthorised or has been posted to your Account in error, then you must immediately contact Customer Services, but in any event, within 13 months of the date of the relevant transaction. We strongly recommend that you check your Account statement on the Website on a regular basis to identify any unauthorised transactions. Please be aware that any delay in notifying us makes it more difficult for us to obtain evidence as to whether the transaction was authorised. If you dispute a transaction, the Merchant must be able to prove that the transaction actually took place. 14.2 We will immediately refund the unauthorised amount to your Account to the position it would have been in if the unauthorised transaction had not taken place. We will have no further liability to you. If we subsequently discover that you were not entitled to a refund, we shall treat the refund as a mistake and be entitled to claim reapply the transaction, including any interest and charges, to your Account. In this event we will charge you a £10 administration fee. 14.3 If there are reasonable grounds for thinking that you may not be entitled to a refund in relation based on the evidence available to us at the time you report the unauthorised transaction, we may investigate before giving you a refund. 14.4 You will be liable for all transactions made using Your Card wherefrom your Account: i. 14.4.1 if you have acted fraudulently; 14.4.2 if the transaction was not authorised under this Agreement. In most casesmade because you deliberately or with gross negligence failed to keep your Card or Card details secure or your PIN or other security information secret. 14.5 Where you have agreed that another person in the EEA can take a payment from your Account (e.g. if you have given your Card details to a Merchant for the purpose of making a payment) you can ask us to refund a payment, We shall accept responsibility for any transaction which was incorrectly executedwe will refund to you within 10 Business Days of our receipt of your request, provided it has been notified to Us in accordance with if all the Authorising Transactions Section above;following conditions are satisfied: ii. a pre-authorised transaction 14.5.1 the authorisation you gave did not specify the exact amount at the time of its authorisation and to be paid; 14.5.2 the amount that has been charged by a Merchant is to your Account was more than You you could reasonably have expected (taking into account normal spending patterns to pay based on the Card or the circumstances of the transaction). However a claim for a refund in such circumstances will not be accepted if the amount of the transaction was made known to You at least 4 weeks before the transaction date or if the claim is made more than 8 weeks after being debited to Your Available Fundsincluding previous spending patterns; and iii. We were notified 14.5.3 you make the refund request within 8 weeks of the unauthorised/incorrectly executed transaction within 13 months of date when the debit date of such transactionpayment was charged to your Account. b) If any of the above circumstances apply, You should contact the Merchant first as this may lead to a quicker resolution of the dispute (and for the avoidance of doubt, reasonable time taken to contact the relevant Merchant shall not be deemed an undue delay). You can also ask Us to investigate any transaction or suspected misuse of Your Card. In such cases, and subject to the other terms of this Agreement, We will immediately process a refund of the amount of the disputed transaction and/or We may need more information and assistance from You to carry out such investigation. c) If We refund a disputed transaction to Your Card and subsequently receive information to confirm that the transaction was authorised by You and correctly taken from Your Card, We may deduct the amount of the disputed transaction from the Available Funds. d) If Our investigations subsequently discover that the disputed transaction was genuine and authorised by You directly or indirectly, or that You have acted fraudulently or with gross negligence, We may charge You an Administration Fee, see the Fees and Limits Section below for full details.

Disputed Transactions. a) 7.1. You may be entitled to claim a refund in relation to transactions Transactions made using Your your Card where: i. the transaction a. The Transaction was not authorised under this Agreement. In most cases, these Terms and Conditions; b. We shall accept responsibility are responsible for any transaction a Transaction which was incorrectly executed, provided it has been executed and notified to Us in accordance with the Authorising Transactions Section above12 below; ii. a c. A pre-authorised transaction Transaction did not specify the exact amount at the time of its authorisation and the amount charged by a Merchant is more than You you could reasonably have expected (taking into account normal spending patterns on the Card or the circumstances of the transaction)Transaction. However However, a claim for a refund in such circumstances this circumstance will not be accepted if the amount of the transaction Transaction was made known to You you at least 4 weeks before the transaction Transaction date or if the claim is made more than 8 weeks after being debited to Your Available Funds; andyour Card Account; iii. d. We were notified of the unauthorised/incorrectly executed transaction within 13 months of the debit date of such transactionTransaction. b) 7.2. If any of the above circumstances apply, You you should contact the Merchant first as this may lead to a quicker resolution of the dispute (and for the avoidance of doubt, reasonable time taken to contact the relevant Merchant shall not be deemed an undue delay)dispute. You can also ask Us to investigate any transaction the Transaction or suspected misuse of Your your Card. In such cases, and subject to the other terms of this Agreement, We will immediately process a refund of the amount of the disputed transaction and/or Transaction. We may need more information and assistance from You you to carry out such an investigation. c) 7.3. If We we refund a disputed transaction Transaction to Your Card Account and subsequently receive information to confirm that the transaction Transaction was authorised by You you and correctly taken from Your Cardposted to your Card Account, We may we shall deduct the amount of the disputed transaction from the Available Fundsfunds in your Card Account. If there are no or insufficient funds, then the provisions regarding overspend on your Card Account (see Section 5.6 will apply) will apply. d) 7.4. If Our our investigations subsequently discover that the disputed transaction was genuine and authorised authorized by You you directly or indirectly, or that You you have acted fraudulently or with gross negligence, We we may charge You you an Administration Fee, investigation fee (see the Fees and Limits Section below Summary for full details).

Disputed Transactions. a) You may be entitled to claim a refund in relation to transactions made using Your Virtual Card where: i. the transaction was not authorised by You under this Agreement. In most cases, We shall accept responsibility for any transaction which was incorrectly executed, provided it has been notified to Us in accordance with the Authorising Transactions Section above; ii. a pre-authorised transaction did not specify the exact amount at the time of its authorisation and the amount charged by a Merchant is more than You could reasonably have expected (taking into account normal spending patterns on the Virtual Card or and/or the circumstances of the transaction). However a claim for a refund in such circumstances this circumstance will not be accepted if the amount of the transaction was made known to You at least 4 weeks before the transaction date or if the claim is made more than 8 weeks after being the amount was debited to from Your Available Funds; and iii. We were notified of the unauthorised/incorrectly executed transaction within 13 months of the debit date of such transaction. b) If any of the above circumstances apply, You should contact the Merchant first as this may lead to a quicker resolution of the dispute (and for the avoidance of doubt, reasonable time taken to contact the relevant Merchant shall not be deemed an undue delay). You can also ask Us to investigate any the transaction or suspected and/or misuse of Your Virtual Card. In such cases, and subject to the other terms of this Agreement, We will immediately process a refund of the amount of the disputed transaction and/or We may need more information and assistance from You to carry out such investigation. c) If We refund a disputed transaction to Your Card Virtual Account and subsequently receive information to confirm that the transaction was authorised by You and correctly taken from Your Virtual Card, We may deduct the amount of the disputed transaction from the Your Available Funds. d) If Our investigations subsequently discover that the disputed transaction was genuine and authorised by You whether directly or indirectly, or that You have acted fraudulently or with gross negligence, We may charge You an Administration Fee, see the Fees and Limits Section below for full details.

Disputed Transactions. a) You may be entitled to claim a refund in relation to transactions made using Your Card where: i. the transaction was not authorised under this Agreement. In most cases, We shall accept responsibility for any transaction which was incorrectly executed, provided it has been notified to Us in accordance with the Authorising Transactions Section above; ii. a pre-authorised transaction did not specify the exact amount at the time of its authorisation and the amount charged by a Merchant is more than You could reasonably have expected (taking into account normal spending patterns on the Card or the circumstances of the transaction). However a claim for a refund in such circumstances will not be accepted if the amount of the transaction was made known to You at least 4 weeks before the transaction date or if the claim is made more than 8 weeks after being debited to Your Available FundsAccount; andand/or iii. We were notified of the unauthorised/incorrectly executed transaction within 13 months of the debit date of such transaction. In most cases, We shall accept responsibility for any transaction which was incorrectly executed, provided it has been notifed to Us in accordance with Section 5 “Authorising Transactions” above. b) If any of the above circumstances apply, You should contact the Merchant first as this may lead to a quicker resolution of the dispute (and for the avoidance of doubt, reasonable time taken to contact the relevant Merchant shall not be deemed an undue delay). You can also ask Us to investigate any transaction or suspected misuse of Your Card. In such cases, and subject Subject to the other terms of this Agreement, We will immediately process a refund of the amount of the disputed transaction and/or transaction. We may need more information and assistance from You to carry out such investigation. c) If We refund a disputed transaction to Your Card Account and subsequently receive information to confirm that the transaction was authorised by You and correctly taken from posted to Your CardAccount, We may shall deduct the amount of the disputed transaction from the Available Funds. If there are insufficient Available Funds then the provisions regarding Shortfalls will apply (see the Fees and Limits Section 13 below). d) If Our investigations subsequently discover that the a claimed disputed transaction was in fact genuine and authorised by You directly or indirectly, or that You have acted fraudulently or with gross negligence, We may charge You an Administration Fee, investigation fee (see the Fees and Limits Section below for full details13 below).

Disputed Transactions. a) You may 14.1. If you have a reason to believe that a transaction for which your Card is used is unauthorised or has been posted to your Account in error, then you must immediately contact Customer Services, but in any event, within 13 months of the date of the relevant transaction. We strongly recommend that you check your Account statement on the Website on a regular basis to identify any unauthorised transactions. Please be aware that any delay in notifying us makes it more difficult for us to obtain evidence as to whether the transaction was authorised. If you dispute a transaction, the Merchant must be able to prove that the transaction actually took place. 14.2. We will immediately refund the unauthorised amount into your Account to the position it would have been in if the unauthorised transaction had not taken place. We will have no further liability to you. If we subsequently discover that you were not entitled to a refund, we shall treat the refund as a mistake and be entitled to claim reapply the transaction, including any interest and charges, to your Account. In this event we will charge you a £10 administration fee. 14.3. If there are reasonable grounds for thinking that you may not be entitled to a refund in relation based on the evidence available to us at the time you report the unauthorised transaction, we may investigate before giving you a refund. 14.4. You will be liable for all transactions made using Your Card wherefrom your Account: i. 14.4.1. if you have acted fraudulently; 14.4.2. if the transaction was not authorised under this Agreementmade because you deliberately or with gross negligence failed to keep your Card or Card Details secure or your PIN or other security information secret. 14.5. In most casesWhere you have agreed that another person in the EEA can take a payment from your Account (e.g. if you have given your Card Details to a Merchant for the purpose of making a payment) you can ask us to refund a payment, We shall accept responsibility for any transaction which was incorrectly executedwe will refund to you within 10 Business Days of our receipt of your request, provided it has been notified to Us in accordance with if all the Authorising Transactions Section above;following conditions are satisfied: ii14.5.1. a pre-authorised transaction the authorisation you gave did not specify the exact amount at the time of its authorisation and to be paid; 14.5.2. the amount that has been charged by a Merchant is to your Account was more than You you could reasonably have expected (taking into account normal spending patterns to pay based on the Card or the circumstances of the transaction). However a claim for a refund in such circumstances will not be accepted if the amount of the transaction was made known to You at least 4 weeks before the transaction date or if the claim is made more than 8 weeks after being debited to Your Available Fundsincluding previous spending patterns; and iii14.5.3. We were notified you make the refund request within 8 weeks of the unauthorised/incorrectly executed transaction within 13 months of date when the debit date of such transactionpayment was charged to your Account. b) If any of the above circumstances apply, You should contact the Merchant first as this may lead to a quicker resolution of the dispute (and for the avoidance of doubt, reasonable time taken to contact the relevant Merchant shall not be deemed an undue delay). You can also ask Us to investigate any transaction or suspected misuse of Your Card. In such cases, and subject to the other terms of this Agreement, We will immediately process a refund of the amount of the disputed transaction and/or We may need more information and assistance from You to carry out such investigation. c) If We refund a disputed transaction to Your Card and subsequently receive information to confirm that the transaction was authorised by You and correctly taken from Your Card, We may deduct the amount of the disputed transaction from the Available Funds. d) If Our investigations subsequently discover that the disputed transaction was genuine and authorised by You directly or indirectly, or that You have acted fraudulently or with gross negligence, We may charge You an Administration Fee, see the Fees and Limits Section below for full details.

Disputed Transactions. a) You may be entitled to claim a refund in relation to transactions made using Your Card where: i. the transaction was not authorised under this Agreement. In most cases, We shall accept responsibility for any transaction which was incorrectly executed, provided it has been notified to Us in accordance with the Authorising Transactions Section above; ii. a pre-authorised transaction did not specify the exact amount at the time of its authorisation and the amount charged by a Merchant is more than You could reasonably have expected (taking into account normal spending patterns on the Card or the circumstances of the transaction). However a claim for a refund in such circumstances will not be accepted if the amount of the transaction was made known to You at least 4 weeks before the transaction date or if the claim is made more than 8 weeks after being debited to Your Available FundsAccount; andand/or iii. We were notified of the unauthorised/incorrectly executed transaction within 13 months of the debit date of such transaction. In most cases, We shall accept responsibility for any transaction which was incorrectly executed, provided it has been notifed to Us in accordance with Section 5 “Authorising Transactions” above. b) If any of the above circumstances apply, You should contact the Merchant first as this may lead to a quicker resolution of the dispute (and for the avoidance of doubt, reasonable time taken to contact the relevant Merchant shall not be deemed an undue delay). You can also ask Us to investigate any transaction or suspected misuse of Your Card. In such cases, and subject Subject to the other terms of this Agreement, We will immediately process a refund of the amount of the disputed transaction and/or transaction. We may need more information and assistance from You to carry out such investigation. c) If We refund a disputed transaction to Your Card Account and subsequently receive information to confirm that the transaction was authorised by You and correctly taken from posted to Your CardAccount, We may shall deduct the amount of the disputed transaction from the Available Funds. d) If Our investigations subsequently discover that the disputed transaction was genuine and authorised by You directly or indirectly, or that You have acted fraudulently or with gross negligence, We may charge You an Administration Fee, see the Fees and Limits Section below for full details.Available

Disputed Transactions. a) 7.1. You may be entitled to claim a refund in relation to transactions Transactions made using Your Card where: i. 1. the transaction Transaction was not authorised under this Agreementthese Terms and Conditions; 2. In most cases, We shall accept responsibility are responsible for any transaction a Transaction which was incorrectly executed, provided it has been executed and notified to Us in accordance with the Authorising Transactions Section above12 below; ii3. a pre-authorised transaction Transaction did not specify the exact amount at the time of its authorisation and the amount charged by a Merchant is more than You could reasonably have expected (taking into account normal spending patterns on the Card or the circumstances of the transaction)Transaction. However a claim for a refund in such circumstances this circumstance will not be accepted if the amount of the transaction Transaction was made known to You at least 4 weeks before the transaction Transaction date or if the claim is made more than 8 weeks after being debited to Your Available Funds; andCard Account; iii4. We were notified of the unauthorised/incorrectly executed transaction within 13 months of the debit date of such transactionTransaction. b) 7.2. If any of the above circumstances apply, You should contact the Merchant first as this may lead to a quicker resolution of the dispute (and for the avoidance of doubt, reasonable time taken to contact the relevant Merchant shall not be deemed an undue delay)dispute. You can also ask Us to investigate any transaction the Transaction or suspected misuse of Your Card. In such cases, and subject to the other terms of this Agreement, We will immediately process a refund of the amount of the disputed transaction and/or Transaction. We may need more information and assistance from You to carry out such investigation. c) 7.3. If We refund a disputed transaction Transaction to Your Card Account and subsequently receive information to confirm that the transaction Transaction was authorised by You and correctly taken from posted to Your CardCard Account, We may shall deduct the amount of the disputed transaction from the Available Funds. d) funds in Your Card Account. If Our investigations subsequently discover that there are no or insufficient funds then the disputed transaction was genuine and authorised by You directly or indirectly, or that You have acted fraudulently or with gross negligence, We may charge You an Administration Fee, provisions regarding overspend on Your Card Account (see the Fees and Limits Section below for full details.Section