Section 75 refunds - article discussion

Bobbyashmore

I have ordered furniture from a company which seems to have disappeared, furnishyourhome.co.uk, I used my Halifax mastercard, I have raised a dispute with the card company, after a few calls to the card company I still am none the wiser as to if I'm covered or not, the last call all they said was it would go to the merchant bank to be looked at. I want to re order my furniture but don't know if I'll get my money back or how long it will take, any help much appreciated.

Optimist

Bobbyashmore wrote: »

I have ordered furniture from a company which seems to have disappeared, furnishyourhome.co.uk, I used my Halifax mastercard, I have raised a dispute with the card company, after a few calls to the card company I still am none the wiser as to if I'm covered or not, the last call all they said was it would go to the merchant bank to be looked at. I want to re order my furniture but don't know if I'll get my money back or how long it will take, any help much appreciated.

You do not say if you are trying to claim under Section 75 or just trying a chargeback Have a look at this article should give you a better idea.

Weddingdressdreamer1981

Hello
Was wondering if anyone has come up against this one before.....
My mum recently ordered my wedding dress without seeing a sample in the shop and paid 50% deposit on her lloyds tsb MasterCard. She did this for peace of mind. The dress arrived far too big looked completely different to the designers pictures online and we refused delivery. We tried to work with the shop for either an exchange or mutual resolution but the owner was vile and adamant all sales are final. I contacted the designer to not avail and finally turned to lloyds for a section 75 claim. I was originally told my claim had good chance of recovery as the shop owner emailed to say I could not expect the same look in a size 16 and the website was airbrushed.
Within 12 hours claim declined due to stock order and other rubbish excuses from the shop. Still no offer of help was forthcoming and the shop owner actually gave me 14 days to pay the remaining 50% and collect the hideous dress. Refusing I escalated my claim with lloyds and they said as mum had bought the dress as a gift for me the buyer-seller chain was broken and claim declined. Madness so every wedding dress shop in the country has a free reign over consumer rights..... It's tradition and ultimately mum is in debt for a dress we don't have. I have passed to FSA and they are looking into it but wedding in 15 days and jus feel so angry! Wish I had checked reviews of the shop first. Certainly not the first time!

jgwwba

hi there i recently opened a shop and thought i would buy childrens clothing from china i paid on my credit card but it was through western union but since i paid there email address is now cancelled and there web site has closed down can i claim under section 75 for the money i have lost? any help on this matter would be much appreciated thank you

abandonded

Made a section 75 claim more than 8 weeks ago. How long do I give my card holder time to respond one way or another? They have acknowledged the receipt of my claim.

Crabman

abandonded wrote: »

Made a section 75 claim more than 8 weeks ago. How long do I give my card holder time to respond one way or another? They have acknowledged the receipt of my claim.

If they've had 8 weeks & have acknowledged receipt, you can send the complaint to the Ombudsman. This will cost the card provider £500 (PDF).

You could also give the card provider a prod but they will put up a fight... don't expect them to just accept the claim and pay out. Many providers try their best to put customers off claiming as they know a proportion of customers will simply give up instead of following through with a referral to the Ombudsman.

abandonded

Crabman wrote: »

(PDF).

???????????

Crabman

abandonded wrote: »

???????????

That link is an Adobe PDF file. Some people prefer that this is stated on posts as older computers can get very slow when opening such files.

sirspendalot

I bought a laptop from Comet pretty much the day before the last shop closed down. When I got the laptop home it was faulty. I have now started a section 75 claim with MBNA and they have sent me a claim form with the information they require.
The question I want to put to you is that one of the points on the form says, "if the merchant has ceased trading, please provide proof that you contacted the administrators to register your claim." Why would I need to do this? I am making my claim through MBNA not the administrators, so why would MBNA need me to do this? I'm thinking maybe they are just trying to fob me off somehow and want me to claim the money from the administrators as a creditor.
I am thinking of putting on the claim form in this section something like, "under section 75 of the consumer credit act you are liable for my goods yourself and I am making this claim with you and not the administrators of Comet and would like the full amount from you."
Any thoughts would be much appreciated.

Optimist

sirspendalot wrote: »

I bought a laptop from Comet pretty much the day before the last shop closed down. When I got the laptop home it was faulty. I have now started a section 75 claim with MBNA and they have sent me a claim form with the information they require.
The question I want to put to you is that one of the points on the form says, "if the merchant has ceased trading, please provide proof that you contacted the administrators to register your claim." Why would I need to do this? I am making my claim through MBNA not the administrators, so why would MBNA need me to do this? I'm thinking maybe they are just trying to fob me off somehow and want me to claim the money from the administrators as a creditor.
I am thinking of putting on the claim form in this section something like, "under section 75 of the consumer credit act you are liable for my goods yourself and I am making this claim with you and not the administrators of Comet and would like the full amount from you."
Any thoughts would be much appreciated.

I would agree with you but the card companies would rather you try the supplier/administrator first.

You can choose to claim against the card company and/or, supplier or in this case administrator. Claiming against the administrator is obviously a waste of time.

Your response to their question is perfectly reasonably although it is "equal liability"

Persistence is the key and going to the ombudsman if they continue to procrastinate .