As a resident of Leiden, you can use chargeback for credit card or PayPal payments to get your money back if a seller fails to deliver or acts fraudulently. This is an essential consumer right that provides extra protection in the region.
What is Chargeback?
Chargeback means reversing a payment through your credit card issuer or payment provider. You file a request because the payment was not properly processed, for example, due to the seller's non-performance.
When Can You Request a Chargeback?
- The product was not delivered as promised
- The item significantly differs from the description
- Money was double-charged
- 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 a Chargeback?
- First, try to resolve the issue directly with the seller
- If unsuccessful, contact your credit card company or PayPal
- Provide a clear explanation of the problem and attach evidence, such as invoices or correspondence
- The payment service will investigate your complaint
- If the claim is valid, you will receive your money back
What is the Deadline?
Usually, you must file a chargeback within 120 days of the payment. For certain credit cards in the Netherlands, including those available in Leiden, this period may be longer – check your terms and conditions.
iDEAL and Direct Bank Transfers
Chargeback is not possible with iDEAL or regular bank transfers. You can approach your bank for advice, but success is not guaranteed. A credit card therefore offers better safeguards for Leiden residents shopping online.
Important Warnings
Misusing chargeback, such as filing an unjustified claim, is considered fraud and may result in your account being blocked. For complex cases in Leiden, we recommend contacting Het Juridisch Loket Leiden for free advice, or in case of escalation, consulting the Rechtbank Leiden via the Gemeente Leiden.
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.