NAB Cardholder Disputes

GPO Box 2965DD, Melbourne VIC 3001

T 03 9208 5435 F 1300 788 350
Email: cardholder.disputes@nab.com.au

14 June 2017

MR PAUL BERNARD WILLIAMS

28 APPLEYARD CRESCENT
MEADOWBANK AUCKLAND
NEW ZEALAND 1072

Our Ref: Case ID0005647207

Dear Mr Williams
We've looked into your dispute.
We wanted to let you know as soon as we could that because we're guided by credit card scheme
rules, unfortunately we couldn't dispute this transaction for you:
Card Number: 4017954082597759
Transaction Amount: $482.47
Merchant Details: MT SecureTrade Limited
Date of Transaction: 24/05/2017
Why not?
The transaction was processed in a 'card present' environment. Basically, this means that your
physical card was there for the transaction (either the card was swiped, your PIN was entered or
payWave was used).
The Credit Card Scheme rules - which, as a bank, we must follow - state that under these
circumstances, you're liable for the transaction.

Want to talk this over with us?

We'll be happy to explain this in more detail and answer your questions. Give us a call on 03 9208
5435 (8:30am - 5:00pm Monday to Friday) or email card.disputes@nab.com.au, quoting the reference
number above.

Regards,

NAB
L9107/165DLM11/E-2200/ S-2301/ I-2301

National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686 L9107