As a resident of Utrecht, you can use chargeback for credit card or PayPal payments to get your money back if a seller fails to deliver or commits fraud. This is an essential right for consumers in Utrecht, supported by local assistance agencies such as Het Juridisch Loket Utrecht.
What does chargeback mean for Utrecht residents?
Chargeback means having your credit card issuer or payment platform like PayPal reverse a payment. You do this when the purchase doesn't go as expected, and it provides strong protection for residents in the Utrecht area.
When can you request chargeback in Utrecht?
- The product was not delivered, for example with an online order from Utrecht
- The item significantly differs from the description
- Money was double-charged from your account
- The transaction is fraudulent, such as in case of a hack
- The seller refuses a refund after the statutory cooling-off period
How do you request chargeback as a Utrecht resident?
- First try to resolve the issue directly with the seller
- If that fails, call or email your credit card company or PayPal
- Describe the problem in detail and attach evidence, such as invoices or correspondence
- The provider will initiate an investigation into your complaint
- If the claim is valid, you will get your money back, often within a few weeks
For extra support in Utrecht, you can turn to Het Juridisch Loket Utrecht, which offers free advice on consumer rights. In case of escalation, the Utrecht District Court may get involved.
What is the deadline for chargeback?
Usually, you must file a chargeback within 120 days of the payment. Some credit cards in the Netherlands, including for Utrecht residents, allow up to 540 days—check your terms and conditions.
No chargeback for iDEAL or bank transfers in Utrecht
For iDEAL payments or direct bank transfers, commonly used in Utrecht shops and online stores, there is no standard chargeback. Ask your bank for help, but success is not guaranteed. A credit card therefore offers better safeguards for local transactions, for example purchases in the Municipality of Utrecht.
Important warning for Utrecht consumers
Misusing chargeback by filing false claims is punishable as fraud and may result in a blocked card or legal action via the Utrecht District Court. Use it only for genuine issues and seek advice from Het Juridisch Loket Utrecht if in doubt.
Veelgestelde vragen
Wat is mijn retourrecht?
Bij online aankopen heb je 14 dagen retourrecht zonder opgaaf van reden, tenzij de wettelijke uitzonderingen gelden.
Hoe lang geldt de wettelijke garantie?
Goederen moeten minimaal 2 jaar meewerken. Defecten die binnen 6 maanden ontstaan worden verondersteld al aanwezig te zijn.
Kan ik rente eisen over schulden?
Ja, je kunt wettelijke rente eisen (momenteel ongeveer 8% per jaar) over het openstaande bedrag.
Wat kan ik doen tegen oneerlijke handelspraktijken?
Je kunt klacht indienen bij de consumentenbond, de overheid of naar de rechter gaan.
Wat is een kredietovereenkomst?
Een kredietovereenkomst regelt hoe je geld leent, wat de rente is, en hoe je dit terugbetaalt.