Claiming a Chargeback. The Cardholder cannot ‘stop’ or reverse a payment made by use of the Card. If a Cardholder wishes to refuse a transaction, this can be done against payment of the relative chargeback processing Fee, if still available and possible. On becoming aware of any unauthorised or incorrectly executed payment transactions, a signed letter is to be sent to the Bank. This should be done within a reasonable time, not exceeding 13 months after the debit date. If the merchant effects a refund, the Account will be credited upon receipt. Furthermore, Cardholders are not entitled to claim a chargeback on transactions effected on account-related services such as withdrawal of account balances, money-transfers and / or trading/investment decisions since when funds are loaded into an investment, foreign exchange or similar type of account, the service is considered to have been provided.