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Think you have purchase protection with your credit card?

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    #21
    Whooo-Hoo! Result (or so I thought!)

    After a few letters to the supplier who promptly ignored them, I spoke with Trading Standards again. It came out during the discussion that I had a right to cancel and, because the supplier had not supplied these in writing (or other durable medium as required by the Distance Selling Regs), this right is extended to 3 months and 7 working days!

    So I wrote to the supplier and told him I was exercising my RTC and refund me my money. Again PC Desktop Option ignored my letter so straight onto the RBS Chargeback & Disputes Section.

    After more correspondence, they finally agreed to my claim under S75. I also asked for the interest put on my account for the amount of the pc I withheld from my usual payments, to be credited back to the account.

    In a telephone call they confirmed all this would be done.

    Great stuff so I binned the fecking useless pc. Now, RBS have written to me confirming they have agreed to my S75 claim but have referred it to Visa \ Mastercard International for them to 'assess my claim'! WTF! S75 makes RBS liable not Visa or Mastercard!

    Seems like these batsrads will do anything to try and wriggle out of their responsibilities. I've mailed them again and told them I dont accept Visa \ NC have any input into this and confirm in writing the amount credited to my account and more importantly, the whole matter is finalised. Twats!
    I couldn't give two fornicators! Yes, really!

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      #22
      Originally posted by BolshieBastard View Post
      Seems like these batsrads will do anything to try and wriggle out of their responsibilities. I've mailed them again and told them I dont accept Visa \ NC have any input into this and confirm in writing the amount credited to my account and more importantly, the whole matter is finalised. Twats!
      Yep. That sums them up. They're in the business of making money and they don't want to let a silly little thing like the law get in the way of that.

      If push comes to shove, they will always pay up, but they clearly don't make it easy for you.

      And if you decide to take your business elsewhere... well that's another debt off the balance sheet and another clued up customer that will go any cause a loss for one of their competitors.

      Remember, in the credit card business, good customers are not smart, clued-up people that pay their bills on time..

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