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    • angryparcel
    • By angryparcel 9th Jun 17, 2:41 PM
    • 910Posts
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    angryparcel
    Won section 75 and refunded by card provider then retailer refunds me
    • #1
    • 9th Jun 17, 2:41 PM
    Won section 75 and refunded by card provider then retailer refunds me 9th Jun 17 at 2:41 PM
    Hi
    I submitted a section 75 claim as a retailer would not refund me after cancelling my order.

    I won this and the card provider (capital one) put the money back on my card on 22-05-2017 as a PURCHASE ADJUSTMENT.

    I went to check my card balance today and noticed the retailer must have had a change of heart and refunded me on 07-06-2017.

    I know i cannot keep the second lot of money, so do i open a secure message with capital one or reply to the email from their disputes dept telling me a won the claim
    Last edited by angryparcel; 09-06-2017 at 2:44 PM.
Page 1
    • foxtrotoscar
    • By foxtrotoscar 9th Jun 17, 2:43 PM
    • 979 Posts
    • 1,418 Thanks
    foxtrotoscar
    • #2
    • 9th Jun 17, 2:43 PM
    • #2
    • 9th Jun 17, 2:43 PM
    Hi
    I submitted a section 75 claim as a retailer world not refund me after cancelling my order.
    I won this and the card provider (capital one) put the money back on my card on 22-05-2017 as a PURCHASE ADJUSTMENT.
    I went to check my card balance today and noticed the retailer must have had a change of heart and refunded me on 07-06-2017.

    I know i cannot keep the second lot of money, so do i open a secure message with capital one or reply to the email from their disputes dept telling me a won the claim
    Originally posted by angryparcel
    In English?
    • angryparcel
    • By angryparcel 9th Jun 17, 2:46 PM
    • 910 Posts
    • 516 Thanks
    angryparcel
    • #3
    • 9th Jun 17, 2:46 PM
    • #3
    • 9th Jun 17, 2:46 PM
    In English?
    Originally posted by foxtrotoscar
    it is clear

    I won a section 75 claim and got the money from card provider as retailer would not refund me

    now retailer has refunded me so i have 2 lots of money back on my card
    • sivs
    • By sivs 9th Jun 17, 2:59 PM
    • 217 Posts
    • 50 Thanks
    sivs
    • #4
    • 9th Jun 17, 2:59 PM
    • #4
    • 9th Jun 17, 2:59 PM
    I don't know why you have spent your time writing this, your time could have been used to send an email to capital one and notify them.

    What do you think people are going to say, don't let them know, keep it?
    • eddddy
    • By eddddy 9th Jun 17, 3:01 PM
    • 4,796 Posts
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    eddddy
    • #5
    • 9th Jun 17, 3:01 PM
    • #5
    • 9th Jun 17, 3:01 PM
    This could get messy...

    You could tell capital one that your account has been credited twice with a refund, and ask them how they want to handle it...

    ... but whilst that's going on, the retailer might realise that you have been refunded twice, and contact you to claim the money back from you directly.


    But on balance, it's probably best to just inform capital one, and let them decide how to sort it out.
    • angryparcel
    • By angryparcel 9th Jun 17, 3:01 PM
    • 910 Posts
    • 516 Thanks
    angryparcel
    • #6
    • 9th Jun 17, 3:01 PM
    • #6
    • 9th Jun 17, 3:01 PM
    I don't know why you have spent your time writing this, your time could have been used to send an email to capital one and notify them.

    What do you think people are going to say, don't let them know, keep it?
    Originally posted by sivs
    yes, but do i send a secure message in my account or reply to the dispute debt, as these goto different depts.

    If you read my post you will see i say i know i cant keep both
    • angryparcel
    • By angryparcel 9th Jun 17, 3:04 PM
    • 910 Posts
    • 516 Thanks
    angryparcel
    • #7
    • 9th Jun 17, 3:04 PM
    • #7
    • 9th Jun 17, 3:04 PM
    This could get messy...

    You could tell capital one that your account has been credited twice with a refund, and ask them how they want to handle it...

    ... but whilst that's going on, the retailer might realise that you have been refunded twice, and contact you to claim the money back from you directly.


    But on balance, it's probably best to just inform capital one, and let them decide how to sort it out.
    Originally posted by eddddy
    the section 75 money from capital one shows as PURCHASE ADJUSTMENT, so i would assume is from their own funds and not a direct refund from the retailer.
    I assume that when capital one made contact with the retailer they have had second thoughts and decided to refund me
    reading the trustpilot reviews for the retailer i am surprised they have refunded me as it is something they dont like doing along with providing goods
    • bigadaj
    • By bigadaj 9th Jun 17, 4:03 PM
    • 9,340 Posts
    • 5,971 Thanks
    bigadaj
    • #8
    • 9th Jun 17, 4:03 PM
    • #8
    • 9th Jun 17, 4:03 PM
    Notify capital one, and whichever kart you respond to state that you have had contact with the other department and tell them to liaise.

    If they !!!! that up you can look forward to a bit of compo.
    • Heng Leng
    • By Heng Leng 9th Jun 17, 7:31 PM
    • 3,935 Posts
    • 1,202 Thanks
    Heng Leng
    • #9
    • 9th Jun 17, 7:31 PM
    • #9
    • 9th Jun 17, 7:31 PM
    Why do you assume that Capital One refunded you via S75?

    Capital One could have easily charged back the transaction as company didn't deliver the goods. The company may then have also refunded the transaction on receipt of the charge-back notification.

    Who are they, out of interest?
    • angryparcel
    • By angryparcel 9th Jun 17, 7:48 PM
    • 910 Posts
    • 516 Thanks
    angryparcel
    Why do you assume that Capital One refunded you via S75?

    Capital One could have easily charged back the transaction as company didn't deliver the goods. The company may then have also refunded the transaction on receipt of the charge-back notification.

    Who are they, out of interest?
    Originally posted by Heng Leng
    I dont assume i was refunded by S75 i know i was as i have email from capital one telling me it was successful .
    the payment shows up as PURCHASE ADJUSTMENT, which would indicate they have not refunded from the retailer, but for their own funds or just removed the original transaction from my account.

    the retailer was https://pc-tec.co.uk/ and this is their trustpilot reviews https://uk.trustpilot.com/review/pc-tec.co.uk
    • IAmWales
    • By IAmWales 9th Jun 17, 8:21 PM
    • 933 Posts
    • 2,045 Thanks
    IAmWales
    You have contacted them now, haven't you?

    You don't need to ask random strangers whether to email or message. Either will reach them so do whichever is most convenient.
    • angryparcel
    • By angryparcel 9th Jun 17, 8:42 PM
    • 910 Posts
    • 516 Thanks
    angryparcel
    You have contacted them now, haven't you?

    You don't need to ask random strangers whether to email or message. Either will reach them so do whichever is most convenient.
    Originally posted by IAmWales
    yes contacted them. secure message reply says it will be handled by disputes to see the way forward
    • SnowTiger
    • By SnowTiger 9th Jun 17, 9:26 PM
    • 2,955 Posts
    • 1,937 Thanks
    SnowTiger
    I dont assume i was refunded by S75 i know i was as i have email from capital one telling me it was successful .
    the payment shows up as PURCHASE ADJUSTMENT, which would indicate they have not refunded from the retailer, but for their own funds or just removed the original transaction from my account.

    the retailer was https://pc-tec.co.uk/ and this is their trustpilot reviews https://uk.trustpilot.com/review/pc-tec.co.uk
    Originally posted by angryparcel
    It was probably done as a chargeback behind the scenes. Why would Capital One take the loss themselves if they didn't have to?

    I did a chargeback via Nationwide a few weeks ago and it's listed on my statement as an adjustment.

    And, like you, the organisation I made the original payment to has also given me a refund.

    I've had this happen before. Typically, the card provider will recharge the refund they gave back to your account.

    I guess retailers may incur a penalty for a successful chargeback, so make the refund themselves to avoid it.
    • angryparcel
    • By angryparcel 9th Jun 17, 9:41 PM
    • 910 Posts
    • 516 Thanks
    angryparcel
    It was probably done as a chargeback behind the scenes. Why would Capital One take the loss themselves if they didn't have to?

    I did a chargeback via Nationwide a few weeks ago and it's listed on my statement as an adjustment.

    And, like you, the organisation I made the original payment to has also given me a refund.

    I've had this happen before. Typically, the card provider will recharge the refund they gave back to your account.

    I guess retailers may incur a penalty for a successful chargeback, so make the refund themselves to avoid it.
    Originally posted by SnowTiger
    i was shocked by the refund from retailer if you look at their trustpilot reviews
    • SnowTiger
    • By SnowTiger 9th Jun 17, 10:35 PM
    • 2,955 Posts
    • 1,937 Thanks
    SnowTiger
    i was shocked by the refund from retailer if you look at their trustpilot reviews
    Originally posted by angryparcel
    I tend to take review sites with a pinch of Salt.

    Many of Capital One's Trustpilot reviews are dire.

    As are ones for First Direct, which is often rated highly here.
    • boo_star
    • By boo_star 10th Jun 17, 11:27 PM
    • 1,225 Posts
    • 609 Thanks
    boo_star
    The refund should be taken back by the card provider, not the retailer.

    Just let them know and let them deal with the aftermath.
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