Durable
Closures
*Due to recent frauds, please make sure you are being contacted by our support team only at support@guardianltd.co.uk*
Who we are?
We, Guardian Limited, are a global financial services company that specializes in complicated card-not-present transaction disputes with a proven strategies which helped people from all around the globe against frauds such as Binary Options frauds, CFDs Frauds, Cryptocurrencies Frauds, Diamond & Jewelry Frauds, Property & Investment Frauds, Forex Frauds, Ponzi Schemes, Share & Bond Frauds, Student Loan Fraud and more.
We rapidly became an industry leader in helping customers who want to submit a dispute over a complicated card-not-present transactions.
Furthermore, we have successfully worked with and developed partnerships with over 800 banking institutions in over 100 countries worldwide.
As a consequence, we have managed to recover millions of dollars in disputed claims for our customers.
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How to get started?
Simply fill out our form at the 'Home' page with the required information (Firm's name, amount stolen, payment method etc.) or send us an email to support@guardianltd.co.uk and our team will get back to you as soon as possible for a free consultation!
How the procedure works?
Companies have 20 days, 30 days, or 45 days to reply when issuing banks raise issues, they do this by presenting a document called a representation.
If the merchant fails to submit a representation, your temporary credit will be converted to permanent credit after the deadline has passed.
If you did not get a temporary credit, the money will be transferred into your account without any further delay.
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In the case of a reverse chargeback, your bank will get a representation from the merchant, your bank will then either ask you to react directly to the representation or will answer on your behalf.
It’s conceivable it’ll do so without telling you, It also has the authority to conclude the matter on its own initiative.
If you used a Visa card to pay, the retailer may opt to reply with a second representation, In such scenario, a new 30-day pre-arbitration period starts.
If the acquiring bank still refuses to accept the chargeback, the issuing bank may take the matter to arbitration.
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Mastercard has given the business 45 days to reply, the cardholder has 45 days to protest if the merchant makes a representation.
If the cardholder is given the chance to reply to the representation, the acquiring bank may choose to bypass the chargeback arbitration step.
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Both American Express and Discover have an internal chargeback mechanism, Merchants have a 20-day deadline to reply.
Understanding Chargeback Reason Codes
Many customers have come to us after attempting to initiate a chargeback on their own but failing due to utilizing the incorrect reason code. They often discover the hard way that they only had one opportunity to obtain a chargeback, and they blew it by selecting a reason code that did not correspond to their claim.
It’s just one more reason to depend on Guardian Limited knowledge and competence.
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As an example, can you tell the difference between Fraud and Unreceived Goods or Services? What about Cardholder Dispute of a Recurring Transaction vs. Cardholder Debited Multiple Times for the Same Goods or Services? Even if you have a strong command of the English language, you will struggle to comprehend and apply the professional jargon used by banks and credit card firms.
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Furthermore, each card network publishes its own set of these codes and has its own method of stylizing them, making them incompatible. Visa chargeback cause codes, for example, are decimal numbers. Mastercard chargeback cause codes are four digits with no decimal points, American Express, Discover (and its subsidiary Diners Club International) utilize a mix of numbers and letters.
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Clients often come to us after using two or more credit cards or debit cards to make a payment to a business.
In such situations, we must prepare each case individually, each with its own ‘reason code’ and according to its own schedule.
Card networks use their own unique language throughout the chargeback process, as our clients will find.
Visa, for example, uses the word “dispute,” while Mastercard uses the term “chargeback” (and to remain neutral we use both on this page and throughout this website).
Networks Criteria's and Deadlines
This table compares several of the main card networks chargeback filing criteria and deadlines.
These deadlines, however, are not always relevant, Each reason code is distinct, and each has its own set of deadlines.
The Cost of using Guardian Limited
Upfront Fee - In certain instances, an initial fee may be necessary depending on the labor and effort required to effectively establish the case.
The fee may vary based on the complexity of the claim or the amount involved, just as it does when you contact a lawyer for any issue.
If you refuse to pay the fee for any reason, you may terminate the case after your free consultation and won’t be charged a dime.
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Success Fee - When your case has been successful, and your money has been recovered into your bank account, you will be invoiced a success fee representing a percentage of the recovered amount.
The percentage may vary depending on the complexity of your case. In most cases, this fee will represent between 12-17% of the recovered amount.
This is essentially a win-win scenario since you will not be charged this cost in case of failure, which is rare.
What are the benefits of our services?
Guardian Limited offers the finest chargeback solution in the industry.
We offer excellent customer service, a simple and fast procedure and powerful chargeback cases.
Guardian Limited is the greatest method to get your money back from businesses who have duped you.
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If your bank is refusing to reimburse you for stolen money, Guardian Limited can assist you, we are a cutting-edge service that assists victims of internet frauds in recovering their funds for nearly 20 years.
Guardian Limited is always on the lookout for new scams, so if you are a victim, you may file a complaint on our website, and we will contact your bank and the scammer directly to negotiate a refund.