What am I entitled to claim for if the seller breaches their contract with me?

In case of a breach of contract, you can claim back the amount you paid with your card’s credit facility in full or in part. Please note that you are only entitled to claim for the amount of your card transaction, not other costs. Your card issuer’s statutory liability does not extend to any costs related to the rescissions of contracts, for example.

How soon after a breach of contract should I dispute the transaction?

The Consumer Protection Act does not lay down a specific time limit within which you need to raise a dispute with your card issuer if the seller has breached their contract with you. However, we kindly ask you to raise a dispute within a reasonable time.

What does the card issuer’s and the seller’s joint liability mean?

It means that under chapter 7, section 39 of the Finnish Consumer Protection Act your right to receive a refund from the seller or the service provider on the basis of a breach of contract also applies in respect of the creditor who has financed the purchase or service. A breach of contract occurs if you don’t receive an item or service you purchased in the time agreed, for example.

The Finnish Consumer Protection Act in credit cards

Paying your purchases with a credit card enables you to claim a refund from your card issuer if something goes wrong.

Did you know that your credit card purchases are protected under the Consumer Protection Act?

When you pay with the credit facility of your card, your card issuer is jointly liable with the seller if the item purchased doesn’t correspond to what was agreed. This means you may be able to claim a refund from your card issuer if:

your order didn’t arrive or a service you paid for was not provided
an item you bought has a defect for which the seller is liable but the seller refuses to refund your purchase
the seller or service provider has filed for bankruptcy.

You won’t be refunded twice for the same purchase, so if you have received a refund from the seller already, you can’t make a claim from your card issuer.

Don’t forget your credit card insurance

Did you know that many credit cards include complimentary insurance? For example, with Nordea Gold you get insurance cover for trips abroad and items you buy for your home when you pay for your purchase with the credit facility.

What to do if something goes wrong with your credit card purchase

First contact the seller or service provider. If you can’t settle the issue with them, raise a transaction dispute with Nordea:

First check that you have paid for your purchase with the credit facility of your card.
Detail in your dispute what has happened, what you are claiming for and on what grounds. Include your original order confirmation and, if possible, evidence of your communication with the seller as attachments.

Note:

If you have already paid your credit card invoice, you can claim back the amount your dispute relates to.
If you haven’t paid your credit card invoice yet, you can leave the amount your dispute relates to unpaid until your dispute has been processed. If your dispute only relates to a part of the invoice, please pay the rest of the invoice by the due date.

Once you have raised your dispute, we will review it and determine whether your claim can be resolved successfully. We will let you know when we start processing your claim (usually within 10 days). We will contact you if we need more information from you.

Filing a card complaint with the bank