Refunding Transactions. 19.1. The Cardholder, or the Customer acting on the Cardholder’s behalf, may be entitled to claim a refund from the e-money Issuer in relation to Transactions where:
19.1.1. The Transaction was not authorised under this Agreement;
19.1.2. The e-money Issuer was responsible for a Transaction which was incorrectly executed and such Transaction was notified to the e-money Issuer in accordance with section 20 below;
19.1.3. 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 the Customer could reasonably have expected taking into account normal spending patterns on the Card or the circumstances of the Transaction.
19.2. A claim for a refund in the circumstances set out above will not be accepted by the e-money Issuer if
19.2.1. the amount of the Transaction was made available to the Cardholder at least 4 weeks before the Transaction date or it is made more than 8 weeks after being debited to the relevant Card; or
19.2.2. the e-money Issuer was not notified of the unauthorised/incorrectly executed Transaction within 13 months of the debit date.
19.3. The Company excludes any liability in respect of any refund claim made to the e-money Issuer by the Cardholder and/or the Customer save where the refund claim arose as a result of the Company’s breach of this Agreement.
Refunding Transactions. 10.1 Provided that you notified us in accordance with clause 9.2 above of an unauthorized or incorrectly executed Transaction without delay and at the very latest within 13 months of the debit date of that Transaction you may be entitled to a refund of that Transaction.
10.2 If the unauthorized Transaction arose from the loss, theft or misappropriation of your Cartex Prepaid Card details or of your Cartex Virtual Card details or of your user name and password applying to your access to the Cartex Website or of your PIN or any other security information, we will refund the amount involved, except the first £50 / €50, for which you may be liable.
10.3 If the unauthorized Transaction arose from you acting fraudulently or where, with intent or gross negligence, you failed to use your Cartex Cards in accordance with these Terms and Conditions (including the obligations to keep safe your Cartex Prepaid Card and Cartex Virtual Card details, your user name and password applying to your access to the Cartex Website, your PIN and any other security information), we will not make any refund and you will be liable for the full amount of all losses incurred.
10.4 Where any refund is due to you, we shall make it immediately or, if that is not possible, as soon as practicable following receipt of your claim or of any further information we may request in order to investigate your right to a refund. However, if, following investigation, we have reasonable grounds to believe that a refund was not in fact due to you for any reason, or that we have made too large a refund, we may reverse that previous refund and you may be liable for any loss we suffer from your use of your Cartex Cards.
Refunding Transactions. 7.1 This term 7 only applies if you are a small business customer.
7.2 If we are told by a payer or another bank that a sum of money has been paid into your account by mistake, we can take that sum of money from your account without your express consent. We will only do this if we accept that there are reasonable grounds to suspect that it was a mistaken payment and provided we have been notified of it within a reasonable timescale. We will notify you as soon as we have done this and give you the chance to explain the situation. After a reasonable time has elapsed in which you have failed to satisfy us that you are entitled to the money, we will return the payment to the payer or relevant bank. We will act reasonably at all times and try to minimise inconvenience to you. If we are not able to recover money from you that has been paid into your account by mistake we are obliged by law to co-operate with the payer’s bank in its efforts to recover the money from you.
7.3 If we do not carry out a transaction correctly and the recipient then tells their bank that the amount of the transaction has not been received, we will as soon as possible refund the amount of the transaction and any charges and interest you have paid. We will not provide a refund if we can show that the failure was due to your instruction being incorrect, or the payment was received by the other bank (in which case that bank is responsible).
Refunding Transactions. 17.1 You may be entitled to claim a refund in relation to transactions where:
17.1.1 The transaction was not authorised under this Agreement;
17.1.2 We are responsible for a transaction which was incorrectly executed notified us in accordance with section 18 below;
17.1.3 A pre-authorised transaction did not specify the exact amount at the time of its authorisation and the amount charged by a supplier is more than you could reasonably have expected taking into account normal spending patterns on the Card or the circumstances of the transaction.
17.2 A claim for a refund in the circumstances set out above will not be accepted if;
17.2.1 the amount of the transaction was made available to you at least 4 weeks before the transaction date or it is made more than 8 weeks after being debited to your Card; or
17.2.2 we were not notified of the unauthorised/incorrectly executed transaction within 13 months of the debit date.
17.2.3 If you are entitled to a refund for any reason for goods or services obtained with your Card, you agree to accept credits to your Card for such refunds. In the case of Merchant refunds, it may take up to seven (7) days for the amount of the refund to be credited to your Card.
Refunding Transactions. 10.2.1 You will be entitled to claim a refund in relation to transactions where:
10.2.1.1 the transactions was not authorised under this agreement;
10.2.1.2 we are responsible for a transaction which was incorrectly executed and you have notified us in accordance with section 8 above;
10.2.1.3 a preEauthorised transaction did not specify the exact amount at the time of its authorisation and the amount charged by a supplier is more than you or an additional Prepaid Cardholder could reasonably have expected taking into account normal spending patterns on the Prepaid Card or the circumstances of the transaction;
10.2.2 A claim for a refund in the circumstances set out above will not be accepted if the amount of the transaction was made available to you at least 4 weeks before the transaction date or it is made more than 8 weeks after being debited to your account.
Refunding Transactions. 12.1 Where your payee did not tell you the exact amount of a payment when you authorised it and the amount of the payment ends up exceeding the amount you could reasonably have expected to pay, we will correct it. We will refund your account with the full amount of the payment providing you ask for a refund within 8 weeks of the payment being charged to your credit card account. We will not make a refund if you have given consent directly to us for the particular payment to be made and, where appropriate, details of the payment are provided or made available to you by any means at least 4 weeks before the payment is made from your account. You must provide us with any information we request which is reasonably required to allow us to check that the transaction is of a type described in this Term 12.
12.2 If you ask for a refund under this Term 12, we will either make it or provide you with our reasons for refusing to do so within 10 Metro Bank working days of either receiving your request or the information we may request under Term 12.1. If you do not accept the reasons for our refusal, you may take the matter further under the procedures described in Term 30.
12.3 You are not entitled to a refund under this Term 12 if the reason why the payment exceeded the amount you reasonably expected to pay is due to any change in the exchange rate applied to the payment in accordance with Term 8.4.
Refunding Transactions. 15.1. You/Your Employer may be entitled to claim a refund in relation to Transactions where:
15.1.1. You did not authorise the Transaction;
15.1.2. We are responsible for a Transaction which was incorrectly executed and such Transaction has been notified us in accordance with section 16 below;
15.1.3. A pre-authorised Transaction did not specify the exact amount at the time of its authorisation and the amount charged by a supplier is more than you could reasonably have expected taking into account normal spending patterns on the Card or the circumstances of the Transaction.
15.2. A claim for a refund by your Employer in the circumstances set out above will not be accepted if;
15.2.1. the amount of the Transaction was made available to you at least 4 weeks before the Transaction date or it is made more than 8 weeks after being debited to your Card; or
15.2.2. we were not notified of the unauthorised/incorrectly executed Transaction within 13 months after the debit date.
Refunding Transactions. 19.1. The Cardholder, or the Customer ĂĐƚŝŶŐ ŽŶ ƚŚĞ maĂy ƌbeĚeŚntiŽtleůd Ěto Ğclaƌim͛aƐ ďĞŚĂůĨ͕ refund from the e-money Issuer in relation to Transactions where:
19.1.1. The Transaction was not authorised under this Agreement;
19.1.2. The e-money Issuer was responsible for a Transaction which was incorrectly executed and such Transaction was notified to the e-money Issuer in accordance with section 20 below;
19.1.3. 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 the Customer could reasonably have expected taking into account normal spending patterns on the Card or the circumstances of the Transaction.
19.2. A claim for a refund in the circumstances set out above will not be accepted by the e-money Issuer if
19.2.1. the amount of the Transaction was made available to the Cardholder at least 4 weeks before the Transaction date or it is made more than 8 weeks after being debited to the relevant Card; or
19.2.2. the e-money Issuer was not notified of the unauthorised/incorrectly executed Transaction within 13 months of the debit date.
19.3. The Company excludes any liability in respect of any refund claim made to the e-money Issuer by the Cardholder and/or the Customer save where the refund claim arose as a result of the ŽŵƉĂŶLJ͛Ɛ ďƌĞĂĐŚ ŽĨ ƚŚŝƐ ŐƌĞĞŵĞŶƚ͘
