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Section 75 claim how long does merchant have to reply/dispute

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Found 25th Jun 2013
I understood the merchant only has 45 days to respond if they take 6 months to respond and then dispute do they have a case?
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This 'might' enlighten you.
Edited by: "Captainbeavus" 25th Jun 2013
thanks for this the merchant actually replied within 4 weeks but the bank took 5 months to pass it on!
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