Goods bought by Credit Card not turned up. My rights ?
Discussion
Right to keep it short, I've traded now and again with said one man Company over the years, he trades in the U.S.A with corvette parts and operates several ways of paying including Credit Cards. Trading with him has always been OK, if a little slow on delivery but recently I've had a couple of years break from buying from him.
Earlier this year I resumed trading with him and I bought a part of him using Paypal to pay him. I waited six weeks, unusually long even for him, and queeried him on the time it was taking. In the end he disclosed he had mislaid the part and refunded my money in full. Just a misunderstanding I thought - so no problem.
At the time I was dealing with this I noticed he had some parts I needed for an engine rebuild and we agreed a price of $3,200 for the parts plus another sum for some head bolts. He asked me to pay into a paypal account in his Polish wifes name, which I promptly refused. Instead I paid by Credit Card, that was on June the 10th, I still haven't recieved the parts or the reciept, although it's on my statement. It's been nearly eleven weeks and in that time I have spoken to him once, after around five weeks, in which he told me the parts were on their way. Since then I have rung him regulalry over the last 3 weeks and left messages, but have had no reply. I've also e-mailed him but have had no reply. I've also left messages for him on motoring forums and other owners have informed me his ebay feedback is also poor.
So today I have rung the Credit Card Company, who are sending me some forms to fill in so I can make a claim. I have also recieved my third statement from them which will need a payment soon, I intend to keep paying the minimum till this is sorted out, although I am not sure of my rights.
Any advice, I don't want to harm my credit rating but what are my rights ?
Earlier this year I resumed trading with him and I bought a part of him using Paypal to pay him. I waited six weeks, unusually long even for him, and queeried him on the time it was taking. In the end he disclosed he had mislaid the part and refunded my money in full. Just a misunderstanding I thought - so no problem.
At the time I was dealing with this I noticed he had some parts I needed for an engine rebuild and we agreed a price of $3,200 for the parts plus another sum for some head bolts. He asked me to pay into a paypal account in his Polish wifes name, which I promptly refused. Instead I paid by Credit Card, that was on June the 10th, I still haven't recieved the parts or the reciept, although it's on my statement. It's been nearly eleven weeks and in that time I have spoken to him once, after around five weeks, in which he told me the parts were on their way. Since then I have rung him regulalry over the last 3 weeks and left messages, but have had no reply. I've also e-mailed him but have had no reply. I've also left messages for him on motoring forums and other owners have informed me his ebay feedback is also poor.
So today I have rung the Credit Card Company, who are sending me some forms to fill in so I can make a claim. I have also recieved my third statement from them which will need a payment soon, I intend to keep paying the minimum till this is sorted out, although I am not sure of my rights.
Any advice, I don't want to harm my credit rating but what are my rights ?
Thanks, I wasn't sure if there were any little rules that I may have missed even though the guy was obviously approved by the CC company in order to use their transaction system. I guess I should have listened to the alarm bells when he suggested the 'Polish wife's paypal route' 
I always use a CC for large payments but I think in future I wall use a CC for all payments.
I always use a CC for large payments but I think in future I wall use a CC for all payments.I've been leaving messages on a couple of vette forums and at last today I get a response.....remember these parts were paid for on the 10th of June around 11 weeks ago.
Bullsh*t or what ? What would be the appropriate action now.
Hi Cliff,
I hve contacted the freight forwarder co. advising them it has been 6 weeks since this was shipped and that we need tracking info, they advised me today that they are awaiting the shipping info from the ocean carrier & that that is the delay in getting this, it seems they areslow to respond with this info, i advised them we must have this by Friday!
I will email or call you Friday with the shipper info as requested.
Bullsh*t or what ? What would be the appropriate action now.
Hi Cliff,
I hve contacted the freight forwarder co. advising them it has been 6 weeks since this was shipped and that we need tracking info, they advised me today that they are awaiting the shipping info from the ocean carrier & that that is the delay in getting this, it seems they areslow to respond with this info, i advised them we must have this by Friday!
I will email or call you Friday with the shipper info as requested.
t, he didn't have the capital to buy your bits - and your money got him out of a situation?To be honest with you I don't care about the parts now, the fiasco has ruined the enjoyment. I will press on reguardless with the claim and if they turn up after the claim is resolved he will get the payment, although I won't be holding my breath. This is the problem with hard to source parts, the dealer knows they've got you by the gonads, makes you want to sell the car and get something that's easier to find parts for.
Update; My CC Company have claimed back the funds from MasterCard and reinbused my account, the claim back is based on a statutory 30 day delivery period of not recieving the goods. Since I made the payment over 3 months ago this was never going to be in doubt. Although the CC Company and I have been reinbursed there is now a 35 day appeal time for any of the parties, I take it that's the seller or Mastercard, to counter the argument.
Update 2; Although the CC company reimbursed all the funds I noticed on the October statement they claimed back £158.When I contacted them they informed me it was for part of the sellers postage. The sellers agent had made accusations that I shared some of the blame as I was hard to contact, which of course I wasn't as I had always given contact numbers. Thankfully I had kept all the details of the transaction and not discarded them thinking the case was closed. I copied and re-presented all the information to the CC company stating I would be taking legal action if the £158 wasn't paid back. Today I've recieved back a letter stating the £158 has been credited back into my account. Hopefully that should see the end of the dispute but it's worth keeping hold of all the relevant paperwork. Cheeky buggers.
Boosted LS1 said:
Nice one Cliff. I'm getting very wary of buying stock from the US at the moment in case a supplier folds. What I am buying is paid for using plastic!
All the time Mike, I wouldn't use anything else after this little experience. I'm also wary of spending at the moment, desperate times breed desperate measures so I'm holding on to my money now, but it must be hard for you guys in business who need to trust suppliers.Gassing Station | Business | Top of Page | What's New | My Stuff