ordered/paid for stuff, shop now closed down
Discussion
Only 85 quids worth of chrome light switches and power points. paid on my credit card 2 weeks ago in the shop. Shop now closed down and phone just rings out. Found out they shut shop 2 days after I'd been in.
So it looks like I'm not getting my gear but I heard I might be able to get a refund off my card company.
Anyone ever done anything like this and succeeded?
So it looks like I'm not getting my gear but I heard I might be able to get a refund off my card company.
Anyone ever done anything like this and succeeded?
ironv8 said:
Only 85 quids worth of chrome light switches and power points. paid on my credit card 2 weeks ago in the shop. Shop now closed down and phone just rings out. Found out they shut shop 2 days after I'd been in.
So it looks like I'm not getting my gear but I heard I might be able to get a refund off my card company.
Anyone ever done anything like this and succeeded?
Should be straight forward for your card people to charge it back and return your money!!So it looks like I'm not getting my gear but I heard I might be able to get a refund off my card company.
Anyone ever done anything like this and succeeded?
You've already tried to contact the business to resolve, but had no response so contact your card company and lodge a dispute.
You technically aren't covered under section 75 of the Consumer Credit Act, but usually most credit card companies are pretty good and will refund you anyway as a good will gesture.
If they don't refund you, lodge a complaint and don't be dismayed if they say no first time. A long time ago I worked for a credit card company, and as part of their complaints process depending on the circumstances(if we were in the wrong or not) the first response was 'no sorry', second was 'sorry we think we're right still, but here is a good will gesture', and third and final response before escalating to the ombudsman was 'actually sorry we were wrong, here is a partial or full refund'
You technically aren't covered under section 75 of the Consumer Credit Act, but usually most credit card companies are pretty good and will refund you anyway as a good will gesture.
If they don't refund you, lodge a complaint and don't be dismayed if they say no first time. A long time ago I worked for a credit card company, and as part of their complaints process depending on the circumstances(if we were in the wrong or not) the first response was 'no sorry', second was 'sorry we think we're right still, but here is a good will gesture', and third and final response before escalating to the ombudsman was 'actually sorry we were wrong, here is a partial or full refund'
From Which:
'However, to claim under Section 75 you don't have to have paid more than £100 or the full amount on your credit card – the card company is liable even if you made only part of the payment (a deposit, say) on your card.
It's the value of the goods you're buying that is key - not the amount paid on the card.
For example, if you ordered a new sofa from a furniture store and paid a £60 deposit with your credit card and the balance of £600 by cheque, you would be covered for the whole £660 if the dealer went out of business and you didn't get your sofa.
Section 75 gives you the same rights against the card company as you have against the retailer.
So if your claim against the trader is for the cost of fixing or repairing an item, this would be the claim you could bring under Section 75 against the card provider.
However, if you bought two items that together cost more than £100, but each cost less than £100, Section 75 would not apply and the card company wouldn't usually be liable.
Remember that you can make a claim even if an account is closed and that Section 75 can apply to credit card transactions made abroad.
If the item or service you've bought was under £100, you may still be covered by chargeback.''
'However, to claim under Section 75 you don't have to have paid more than £100 or the full amount on your credit card – the card company is liable even if you made only part of the payment (a deposit, say) on your card.
It's the value of the goods you're buying that is key - not the amount paid on the card.
For example, if you ordered a new sofa from a furniture store and paid a £60 deposit with your credit card and the balance of £600 by cheque, you would be covered for the whole £660 if the dealer went out of business and you didn't get your sofa.
Section 75 gives you the same rights against the card company as you have against the retailer.
So if your claim against the trader is for the cost of fixing or repairing an item, this would be the claim you could bring under Section 75 against the card provider.
However, if you bought two items that together cost more than £100, but each cost less than £100, Section 75 would not apply and the card company wouldn't usually be liable.
Remember that you can make a claim even if an account is closed and that Section 75 can apply to credit card transactions made abroad.
If the item or service you've bought was under £100, you may still be covered by chargeback.''
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