[ronnie18]

Hi
I received the following message about my disputed transaction,

‘Your dispute has been processed and refunded to your account. The retailer has 45 days to challenge this, we will contact you if this happens. Thank you.’

It has been over 45 days and I have heard nothing about it being challenged, can I assume the refund is now secure and the money is mine to keep?

many thanks!

[25H]

Hi @ronnie18

The retailer has approximately 45 days to respond, if they wish to dispute it.
As it's now been over the 45 days the money is yours.

However, I suggest you send Tesco Bank a private message and ask them for confirmation.

Click on this link Tesco-Bank then scroll down, on the left hand side click 'Send Private Message'.
Complete it, click 'Submit Message' and this will send your message securely and privately.
Please include your full name, date of birth and postcode.

You will receive a reply to your private message, with the appropriate response.

Warm wishes, Caz @25H

[CSKBrambles]

Hi @ronnie18

Absolutely right ! ✅

If the merchant has not challenged within 45 days, the money is yours.

Best wishes, Chris, @CSKBrambles

[ronnie18]

Many thanks both for your responses. Just to confirm I wouldn’t have had any further communication from Tesco unless the dispute was contested?

[25H]

Hi @ronnie18

Tesco would only need to contact you if the retailer challenged the refund within the permitted 45 days.

Have a lovely weekend, Caz @25H

[ronnie18]

Many thanks Caz! @25H