Conditions of use for permanent tsb Visa Card

(i)where the payer’s bank and the payee’s bank are both located inthe EEA and the payment in question was or was to have beenin euro or the currency of a member state of the EEA outsidethe euro area.(ii)where you provided us with the correct Unique Identifiers for thepayment in question;(iii) where there is no undue delay on your part in notifying us of theincorrect or non executed payment. We will normally considerthat there has been undue delay in this regard if you fail to notifyus within 30 days of the relevant account statement or paymentadvice. In any event a failure to notify us within 13 months of theincorrect payment will always amount to undue delay.(iv) where none of the events detailed in Condition 10(c) preventedus from making the payment.We shall have no liability to you under this Condition 17(e) where wecan prove to you and, where relevant, the payee’s bank, that thepayment was received by the payee’s bank within the applicabletimeframe.When we are liable under this Condition 17(e) we will refund to you,without undue delay, the amount of the nonexecutedor incorrectlyexecuted payments that we have debited to your Account.Furthermore, where applicable we shall restore your Account to theposition it would have been in had the non-executed or incorrectlyexecuted payment not taken place.Regardless of the issue of liability, where you notify us of anincorrectly executed payment we will make immediate efforts to tracethe whereabouts of the defective payment and inform you of theresults of such efforts. If as a result of our investigation we establishthat the payment was correctly executed, we reserve the right todebit your Account with our charges and any fees or charges leviedor sought from us by any other banks involved in investigating thepayment.For the avoidance of doubt, we will be liable to you as payee or payerfor any charges for which we are responsible and any interest leviedby us to which you are subject as a result of our non-execution ordefective execution of a payment.Incorrectly executed and non executed payee initiated payments(f) Where you are a Consumer or, subject to Condition 17(g), a Micro-Enterprise, we will refund to you, within 10 Business Days of yourrequest, any amount debited to your Account by means of a payeeinitiated payment if:(i)(ii)the payer’s bank and the payee’s bank are both located in theEEA and the payment in question was or was to have been ineuro or the currency of a member state of the EEA outside theeuro area;we receive the refund request within eight weeks of the amountbeing debited to your Account; and(iii) you can show us that (i) the amount so debited exceeded theamount that you could reasonably have expected taking intoaccount your previous spending pattern, and (ii) you were notnotified by us or the payee of such amount at least four weeksbefore the due date .13