Think you have purchase protection with your credit card?

[TheFaQQer]

If you get nowhere, it's worth writing to the press - seriously.

The Guardian does a good money section on a Saturday, which has a "problem page" as well.

They helped my sister get £4k+ from the people she bought her house through for their negligence (previous offer was £150), and also helped me get my £400 from BA when they cancelled my flight (I had to sue them for it, but it was on their advice, and I won, and they mentioned me in the article that weekend).

Heartily recommended, though I hope it doesn't come to that.

[xoggoth]

I agree with above that unless you complain and threatening action you don't get anywhere. Actually remarkable (before current climate anyway) what some companies will give you you following a first polite complaint.

[Sysman]

I agree with above that unless you complain and threatening action you don't get anywhere. Actually remarkable (before current climate anyway) what some companies will give you you following a first polite complaint.

Before the credit crunch mind you, but a retired neighbour of mine used to delight in complaining about shoddy service and products, and he got tons of complimentary gifts. The tone of his letters was "polite, trying to help, but quite cutting too".

[BolshieBastard]

Believe it or not(!), I've been nothing but polite even though it was extremely frustrating talking to the card co. Seems to me you get nowhere unless you are abusive on the phone.

Also phoned the pc manufacturer as the card co said they had them on the other line while I was on to the card co. The pc manufacturer was 'ready to accept my call! Yeah right!

Phoned them and asked to speak to this muir guy. Strangely he wasnt available again but I was told he'd phone me back at 3pm. By 3.45, he hadnt phoned back. So I phoned again and got an answer machine

Oh, btw, the manufacturer is called PC Option. No ******* option if you ask me.

[Cyberman]

Just got off the phone with my locat Trading Standards.

They said to send recorded delivery letter to manufacturer sating under Sale of Goods Act, goods are not of merchantable quality, fit for purpose etc and that I have verbally accepted their offer of collection and full refund. Inform them they have 7 days to comply. If they dont do this after 7 days to contact TS again.

They said credit card co's are bing hit hard by all the failed companies but they are correct in that they can just take word for it, it needs to be in writing.



Yes, but try getting them to do it! They want everything in writing and if the trader goes into administration, you could be waiting years.

In my case, the manufacturer has verbally agreed to collect and a full refund. Try getting them to put that in writing when they wont come and collect. The card co says they wont get involved unless its in writing so basically, you're ****ed!

If the trader goes bust that is not your problem. The credit card company is liable under the Credit Card Act 1974.
I have had many cases where I have claimed directly from Visa.... Mastercard may not be so reliable but they are still liable.
I just phone them up, send evidence and I have had automatic refunds on many occasions.... never had a refusal to comply.

[tim123]

What does Section 75 say?

http://www.financial-ombudsman.org.u...itcards-31.htm

[BolshieBastard]

http://www.financial-ombudsman.org.u...itcards-31.htm

Yep, thanks for this. Im going to complain to the ombudsman about RBS' shyte attitude.

I've also found acouple of templates for letters regarding claiming under Section 75 so will be completing one of these and sending off to RBS. I may also phone them and say I will be claiming ubder Section 75 to see what they have to say!

[Spartacus]

I mentioned this to them about a charge back but they werent interested. 'Got to have an independent report that the goods are faulty.'

That is complete bollox and they are trying to fob you off. The Sale of Goods Act makes it quite clear that the onus is on the seller to prove that the goods were not faulty...

"...for the first six months the consumer need not produce any evidence that a product was inherently faulty at the time of sale. If a consumer is seeking any other remedy the burden of proof remains with him/her.

In such a case, the retailer will either accept there was an inherent fault, and will offer a remedy, or he will dispute that it was inherently flawed. If the latter, when he inspects the product to analyse the cause, he may, for example, point out impact damage or stains that would be consistent with it having been mistreated in such a way as to bring about the fault."

[BolshieBastard]

That is complete bollox and they are trying to fob you off. The Sale of Goods Act makes it quite clear that the onus is on the seller to prove that the goods were not faulty...

"...for the first six months the consumer need not produce any evidence that a product was inherently faulty at the time of sale. If a consumer is seeking any other remedy the burden of proof remains with him/her.

In such a case, the retailer will either accept there was an inherent fault, and will offer a remedy, or he will dispute that it was inherently flawed. If the latter, when he inspects the product to analyse the cause, he may, for example, point out impact damage or stains that would be consistent with it having been mistreated in such a way as to bring about the fault."

Thanks for this info, I'll use it in my claim.

Its pretty clear to me now after searching the net and finding a few other forums that credit card companies are trying to duck their responsibilities under S75.

Im also in two minds whether to not pay the money on the card for the pc and inform them as such. I've actually cut up the card now and dont intend using the account ever again. So, if I do pay the amount for the pc and they eventually refund the card, is there any way to get the money back or transferred to another card? This wont be a balance transfer as such because it would be a credit not a debit which was being transferred.

Any ideas?

[TykeMerc]

Thanks for this info, I'll use it in my claim.

Its pretty clear to me now after searching the net and finding a few other forums that credit card companies are trying to duck their responsibilities under S75.

Im also in two minds whether to not pay the money on the card for the pc and inform them as such. I've actually cut up the card now and dont intend using the account ever again. So, if I do pay the amount for the pc and they eventually refund the card, is there any way to get the money back or transferred to another card? This wont be a balance transfer as such because it would be a credit not a debit which was being transferred.

Any ideas?

If you default on payment they will register that with the Credit Agencies, they do that even if you're late on the payment, it would be understandable since you're naturally annoyed as all hell, but very unwise to withold payment.

If you close the account in credit they will simply send you a cheque for the balance they owe.