Check out our factsheet on using Section 75 and the Chargeback facility for more information.
Debit cards don't have such legal protection and the chargeback scheme, which covers thwarted transactions, is voluntary.
Avcil's case clearly meets all of these and, although she sold the iPod before the cutoff date, the chargeback was filed after 30 September.
HSBC has said it will refund guests who bought gifts using a credit card or Visa debit card through the chargeback scheme - all they need to do is contact their credit card provider.
If you had used a credit card you may have been able to recover the deposit under section 75 of the Consumer Credit Act, while debit cards carry some protection under the chargeback scheme if a trader is in breach of contract.
If the goods were purchased on a Visa or Mastercard debit card, then you may be able to claim under the Chargeback procedure.
And working out the disputes is something that can often take a lot of time, which leaves the funds in limbo while the seller fights the chargeback and comes to an agreement with the upset customer.
Wait for the credit card company to notify PayPal of the chargeback request.
PayPal will walk the seller through what they need to do for the chargeback.
A simple phone call may be able to resolve the issue, particularly if the chargeback is initiated as a result of a misunderstanding.
