Woolworths

Daytona_nev

baddiebasher wrote: »

As it's Panto season....
Oh yes you can (depending on cost).

Oh Dear,

you seem to have an issue?

Daytona_nev

The CC company will generally not get involved over face to face transactions as the issue is between the store and the customer. The transaction itself would not be in dispute from the CC company's perspective.

They however tend to where distance selling regulations come into the equasion.

alwaysonthego_2

Daytona_nev wrote: »

The CC company will generally not get involved over face to face transactions as the issue is between the store and the customer. The transaction itself would not be in dispute from the CC company's perspective.

They however tend to where distance selling regulations come into the equasion.

This is wrong under the Consumer credit act 1975 the cc company is jointly liable for faulty goods etc


http://www.adviceguide.org.uk/index/your_world/consumer_affairs/buying_goods_your_rights.htm#how_to_deal_with_a_problem_with_goods
Making a claim against the credit company or the bank



If you paid for your goods by credit card, you may be able to make a claim against the credit card company, instead of the trader. The goods must have cost more than £100 and less than £30,000. This can be useful where the trader has gone out of business or has no money to compensate you.


Even if you have used a debit card rather than a credit card, or if you used a credit card but the goods cost less than £100, you may be able to use your bank's chargeback scheme. You may want to ask for a chargeback if:

• you have paid for goods that have not arrived or have arrived damaged
• the goods that you receive don't match their description
• the transaction wasn't authorised by you.

A chargeback is not an automatic right and you should contact your card provider to find out if you can make a claim under a chargeback scheme. For example, if you used a credit card (for goods costing less than £100) or a debit card issued by visa, you can apply under the Visa chargeback scheme. Claims under this scheme must be made within 120 days.


For more information about how to resolve

baddiebasher

Daytona_nev wrote: »

Oh Dear,

you seem to have an issue?

No, merely knowledge of the Consumer Credit Act 1974. See s. 75 as pointed out above.

Do not mistake a corrective point with some "attitude problem". I do not have one. If you think that everyone who disagrees with you has such a problem then I would suggest that the problme lies closer to home than you think

KILL_BILL

as you have brought the item within the past 30 days and it has an inherent faault as long as you have the receipt you can return it for a replacment or refund - get the refund - dont leave the store until you get your refund even if you hold the rest of the queue up

if they say tech support said no then tell them to get tech support in to the store now to look at the phone rather than talk a load of old crap over the phone.

as they have gone into administration as people have mentioned the less money that they can fob people off with the better for them

marleyboy

Daytona_nev

baddiebasher wrote: »

No, merely knowledge of the Consumer Credit Act 1974. See s. 75 as pointed out above.

Do not mistake a corrective point with some "attitude problem". I do not have one. If you think that everyone who disagrees with you has such a problem then I would suggest that the problme lies closer to home than you think

Pot, kettle, black.

Daytona_nev

alwaysonthego wrote: »

This is wrong under the Consumer credit act 1975 the cc company is jointly liable for faulty goods etc


http://www.adviceguide.org.uk/index/your_world/consumer_affairs/buying_goods_your_rights.htm#how_to_deal_with_a_problem_with_goods
Making a claim against the credit company or the bank



If you paid for your goods by credit card, you may be able to make a claim against the credit card company, instead of the trader. The goods must have cost more than £100 and less than £30,000. This can be useful where the trader has gone out of business or has no money to compensate you.


Even if you have used a debit card rather than a credit card, or if you used a credit card but the goods cost less than £100, you may be able to use your bank's chargeback scheme. You may want to ask for a chargeback if:

• you have paid for goods that have not arrived or have arrived damaged
• the goods that you receive don't match their description
• the transaction wasn't authorised by you.

A chargeback is not an automatic right and you should contact your card provider to find out if you can make a claim under a chargeback scheme. For example, if you used a credit card (for goods costing less than £100) or a debit card issued by visa, you can apply under the Visa chargeback scheme. Claims under this scheme must be made within 120 days.


For more information about how to resolve

Correct. However in practice CC companies are very reluctant to get involved where the transaction has been face to face and the consumer is still in possession of the goods as the customer has rights with respect to faulty goods under these circumstances.

The chargeback criteria are more easily applied to distance transactions and are mainly used in this respect. The chargeback system is expensive for the bank that the decision goes against.

The chargeback rules are laid out by Visa & MasterCard operating regulations which are nothing to do with the consumer credit act. Hence, "Charegbacks are not an automatic right" ( The Visa & MC regulations being a set of international rules for all transactions processed by the respective scheme).

The consumer credit may well state the CC company is liable, however it doesn't mean the CC will agree to initiate a chargeback. If it doesn't feel the chargeback decision will necessarily go their way they will be very reluctant to get involved and will point the customer back to dealing with the merchant using their statutary rights as a consumer.

There used to be an 'arbitration' state where a rejected chargeback could be refused by the card issuer for arbitration by MC/Visa. However, since the '3rd chargeback' rule has been removed, in effect making the rejection of a chargeback final and binding, card issuers are now only tend to initiate chargebacks when they are unlikely to be rejected.

Ben_Bryant

I have been in contact recently with a solicitor from the West Country because he had written an article about charge backs.He told me that the banks tend to throw out charge backs and hope that the customer does not complain any further.He went on to say that arbitration and hearings take place in Switzerland and cost both parties at least $500.
Has anybody else heard of this and can they offer any more information?

vikingaero

Ben_Bryant wrote: »

I have been in contact recently with a solicitor from the West Country because he had written an article about charge backs.He told me that the banks tend to throw out charge backs and hope that the customer does not complain any further.He went on to say that arbitration and hearings take place in Switzerland and cost both parties at least $500.
Has anybody else heard of this and can they offer any more information?

Sounds like major scaremongering to me. The CC companies are probably claiming to use Visa International arbitration process. But you don't need to do that. The process in the UK is quite simple:

(1) Write to your card issuer claiming a chargeback and request forms if they require it.
(2) Fill in forms and supply receipts and return.
(3) If you get fobbed off, write another letter escalating it to a complaint.
(4) If they fob you off, write and ask for a deadlock letter.
(5) Make a complaint to the Financial Ombudsman. http://www.financial-ombudsman.org.uk/

If the bank is a levy member of the FOS scheme then the number of complaints will increase their levy the following year. If the bank is a pay per case member then they will be required to pay around £400 for your case to be heard. Note that the bank pays, not you. You do not pay irrespective of the outcome of the complaint by the FOS.