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internet üzerinden kredi kartı ile yapılan harcamalarda kişi yapılan harcamaya rağmen mal hizmet alamamış ise geriye dönük itiraz süresi kaç gündür. Ayrıca toplamda 40.000 tl tutarında harcama söz konusu bankalara itiraz formu gönderdim sonuç olumsuz gibi görünüyor. Dava açmayı düşünüyorum nerden ve kime gidip derdimi anlatacam bilmiyorum. Konu ile alakalı bilgisi olan bana yardım etmek isteyen herkes mesaj atabilir.
Durumu daha detaylı açıklayabilir misiniz?
kardes acikcasi internetten bahsettiğim firmaların sitelerinden kredi kartiyla odeme yaptim fakat karşılığında hiç bir mal yada hizmet alamadım simdi paramı geri almanin pesine dustum ekstrelerde portakal teknoloji ltd. telpa telekom ve hasandilbe isimli firmalar cekmisler bu parayi fakat bu cekilen para karsiligi ben mal alamadim bu sirketlerden zaten turkiyede banka bunlari tespit edip bloke etmekle mukellefmis yani burda bankada suclu durumda ama ben suclu arayacak durumda deyilim. ben parami kurtarmanin pesindeyim 40 bin tl civari toplamda kaybim var ve dava acmayi dusunuyorum ama nasil nerden acicam bilemiyorum bu konuda bana yardimci olucak birilerini ariyorum. gerekirse geri alinacak tutar uzerinden komisyonla avukat ta tutabilirimAlıntı:
frmax rumuzlu üyeden alıntı
Ekstre geldiği anda, ya da siz borcu öğrendiğiniz anda itiraz etmelisiniz. Zannedersem hesap KESİM tarihinden itibaren 30 gün olmalı bu süre. (emin değilim, daha AZ da olabilir)
Ama hizmeti aldığınız karşı tarafça ispatlanırsa daha da zor duruma düşebilirsiniz.
ben hizmet almadimki karsi taraftan elime ne kargo ile bir sey geldi nede posta ile ayrica gelecek herseye raziyim yeter artikAlıntı:
senoleker rumuzlu üyeden alıntı
Reason Code 30 Services Not Provided or
Merchandise Not Received
Overview - Reason Code 30
Time Limit: 120 calendar days
Merchant was unable or unwilling to provide services (including Visa Prepaid Load Services), or Cardholder or authorized person did not receive the ordered merchandise at the agreed upon location or by the agreed upon date. Transactions involving either the Visa Prepaid Load Service or a Prepaid Load Partner are not applicable to Visa Europe.
Chargeback Conditions - Reason Code 30
One of the following:
1. Cardholder or authorized person participated in the Transaction and did not receive purchased
services, including Visa Prepaid Load Services, because the Merchant or Prepaid Load Partner was
unwilling or unable to provide the services. Transactions involving either the Visa Prepaid Load
Service or a Prepaid Load Partner are not applicable to Visa Europe.
2. Cardholder or authorized person participated in the Transaction and did not receive ordered
merchandise.
Chargeback Rights and Limitations - Reason Code 30
1. Minimum Chargeback amount:
a. For a T&E Transaction US $25 or equivalent
b. For a Canada Domestic T&E Transaction, CAD $25 (This only applies to members that operate in
the CAN region.)
c. For all other Canada Domestic Transactions, CAD $10 (This only applies to members that
operate in the CAN region.)
2. Prior to exercising the Chargeback right, Cardholder must attempt to resolve the dispute with the
Merchant or the Merchant's liquidator, if applicable. (Not applicable if prohibited by local law.)
3. If date services were expected or delivery date for the goods is not specified, Issuer must wait 30
calendar days from the Transaction Date before exercising the Chargeback right. Does not apply if
the waiting period causes Chargeback to exceed Chargeback time frame.
4. Chargeback amount is limited to the portion of services or merchandise not received.
5. For disputes involving merchandise:
a. Prior to exercising the Chargeback right, if merchandise was delivered after the agreed upon
delivery date, Cardholder must attempt to return the merchandise.
b. If merchandise was returned due to late delivery, the Issuer must wait at least 30 calendar days
from the date the Cardholder returned or attempted to return the merchandise prior to exercising
the Chargeback right. Does not apply if the waiting period causes Chargeback to exceed
Chargeback time frame or if the Chargeback was already processed prior to the goods being
received.
Invalid Chargebacks - Reason Code 30
Chargeback is invalid for any of the following:
1. If the Cardholder cancelled merchandise or service prior to the expected delivery or service date
2. If merchandise is being held by the customs agency of the Cardholder's country
3. When the Cardholder states that the Transaction was fraudulent
4. For disputes regarding the quality of merchandise or service rendered
5. For a No-Show Transaction or Advance Deposit Transaction
6. For the initial payment of a Delayed Delivery Transaction when the remaining balance was not paid
and Merchant is willing and able to provide services or merchandise
7. For ATM Cash Disbursements
Chargeback Time Limit - Reason Code 30
1. 120 calendar days from Transaction Processing Date.
2. If the services were to be provided after the Transaction Processing Date, the 120 calendar day time
frame is calculated from the date that the Cardholder expected to receive the service, not to exceed
540 calendar days from the Transaction Central Processing Date. If the merchandise was to be
provided after the Transaction Processing Date, the 120 calendar day time frame is calculated from the date that the Cardholder expected to receive the merchandise. For issues of interrupted services only, the maximum time frame is 540 days
sizin durumunuz 120 günü kapsıyor ama işiniz oldukça zor sanırım.
ne yapmam gerek kardesim yardimci olan yokmuAlıntı:
zordakiadam rumuzlu üyeden alıntı
Fakat son paragrafta belirtildiği üzere ” İşlem Tarihi, 120 takvim günü süre sonra sağlanacak hizmetler olsaydı çerçeve geçmemek üzere, MasterCard/Visa kredi kartı hizmeti almak için beklediğini tarihinden itibaren hesaplanır. İşlem Merkezi İşlem Tarihinden itibaren 540 takvim günüdür”.