Members will have 120 days to dispute a transaction on their Debit Card for the following reasons: Duplicated transaction Goods not received Cancelled subscription not actioned Received goods not as described Refund not processed after 30 days Transaction not recognised Free Trials Car Rentals If you have identified a transaction that you are suspicious of on your Debit Card, you must contact your Credit Union or Credit Union Card Services team immediately on +353 (1) 6933333 In the first instance, you should contact the Retailer and request a refund. If the Retailer refuses to refund your money and you paid using your debit card, you should contact your Credit Union who may initiate a dispute with the Retailer to reverse the transaction. This is called a “Chargeback”. Members must complete and return a ‘Disputed Transaction’ form along with copies of any: Detailed cover letter advising the nature of the dispute Proof of purchase Evidence of the transaction Interactions with the company (emails/letters) To be returned to their Credit Union to complete a ‘chargeback’ request.