Requesting a chargeback for an enforcement payment

A chargeback is a contractual card-scheme process, not a court ruling that enforcement was unlawful. Availability and deadlines depend on the bank, scheme and facts.

Give the bank a complete and truthful account with the transaction, notice, receipt and correspondence. Do not describe a civil dispute as theft or fraud merely to obtain a reference number.

A reversal may not extinguish the debt or prevent further enforcement. Equally, a refused chargeback does not decide that the enforcement was lawful.

Sources and scope

This site concerns England and Wales. Principal sources include Schedule 12 to the Tribunals, Courts and Enforcement Act 2007, the Taking Control of Goods Regulations 2013, the Taking Control of Goods (Fees) Regulations 2014, CPR Part 84 and the GOV.UK bailiff guide.

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