Customers affected by the bankruptcy of the Furniture chain Kika/Leiner those affected have the chance to get their down payment to retrieve. The prerequisite is that this was made with a credit card or debit card. Then the customer can at his Bank initiate a “chargeback” procedure via a so-called sales complaint. The deadline for this is usually: 120 Roofs from the order or planned delivery date. The Chamber of Labor (AK) advises using the bank forms.
“Chargeback” is at Austria’s banks common practice and standard on all credit cards and debit cards. The latest is the insolvency of the travel provider FTI Payments for rental car or hotel bookings that were not insured as a package holiday were reversed in this way, as the APA found out from a large domestic bank.
“Chargeback” takes effect if goods are not delivered
The “chargeback” procedure primarily serves as protection fraudulent debits or if an amount was debited twice. However, it also applies if ordered goods are not delivered or a service is not provided. This also applies if the reason for non-fulfillment of the contract is: insolvency is.
In this way, consumers can avoid creditor to become involved in insolvency proceedings. The claim arises from the chargeback to the bank that processes the card payments on behalf of the company as the payee.
When a sales complaint is made, the bank and card issuer check whether it is legitimate. That means every case has to checked individually and the repayment cannot therefore be guaranteed, as banking experts said about the APA.
AK classifies chargebacks as a goodwill gesture from credit card companies
The AK also points out that it no legal claim gives. “Chargeback” is an agreement between the credit card companies and the merchant banks, explained AK financial expert Christian Prantner in response to an APA request. He therefore classifies “chargeback” as a goodwill service provided by the credit card company. “Our recommendation: the option of recovering claims via chargeback should at least be tried,” says Prantner.
The Association for Consumer Information (VKI) also points out the possibility of “chargebacks” on its website. He recommends, stubborn to remain, as not all banks would support their customers equally well with the return campaign. The VKI also emphasizes that the decision as to whether a “chargeback” is approved does not rest with the bank, but with the credit card company.
The prerequisite for “Chargeback” is one Proofthat the goods are actually not delivered, i.e. either the delivery date has passed or there is a letter from the Mass Verwalters indicates that the purchase contract is no longer fulfilled.
Kika/Leiner mass manager will provide information about deposits on Monday
As stated on kika.at and leiner.at, all affected customers tomorrow, Mondayinformed about the fate of their contracts and deposits.