Originally Posted by Dr. G
It doesn't matter what 'institution' you have, legal or otherwise. Chargebacks are simply dispute cases within the payment network. There is no 'legal' rights here, its simply a function of visa, mc, disc, amex. If you had a million dollar lawyer, you still have to go through the dispute process if the merchant wants to fight you. He can represent this over and over, and if you slip and forget to reply to a single message, he will win. "