Martin Lewis

Chargeback is an internal process at Visa, Mastercard and Amex that basically says if you've paid for something and haven't got what you paid for, you can ask your card company to go to the vendor's card company, ask it to be frozen and ask you to get the money because you've been charged for something you didn't get.

That seems to be the perfect circumstance for what happened to you.

Okay.

So, but...

Often, unless you specifically say, I want you to do a chargeback on their company, it won't happen.

Well, things have all just changed of a sudden because at that moment, Adrian interrupted me to say that the Secretary of State for Defence, John Healey, had just resigned, making the extraordinary statement in a letter to the prime minister of since then you have been unable and the Treasury has been unwilling to commit the resources that the nation needs to defend the country at this time of rising threats.

So quite understandably, Five Live have moved to rolling coverage of that story and we have swiftly moved to going into a pod only.

And I've got podcast producer Simon with me.

PPS, are you there?

Hi, I am here.

I've not resigned yet, no.

That's good.

So here's what we're going to do.

Just to finish what I was talking to Adrian about on chargeback.

So, yeah, the key is if you want to do a chargeback, if you've not got something, and this is especially important for any credit or debit card transactions under £100 and any debit card transactions over £100, because debit card doesn't have Section 75, you need to specifically ask them to do a chargeback.

That's the point I was making.

And this is just a little note from a more relaxed Martin who's finished recording the podcast, interrupting the Martin who suddenly had to change the whole programme because we were no longer on air on Five Live and we were suddenly doing it podcast only.

And the note is to say, well done, podcast producer Simon.

What a hero.

You sorted it all out.