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Camcorder faulty, company bust.
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To your first point, if you had read my post that is what I basically said, that the op could use one or the other but not a combination of both!
As for your 2nd point, please explain "flaky". There is nothing flaky about it, the CC company has joint liability with the original retailer, if the retailer wont sort it out (which if they no longer exist they cant) then the responsibility lies with the CC company.
I ain't going to get into a debate about the sematics of 'flaky'.
However, here's an illustration,
It's ok harping on about responsibilities and consumer credit acts, but one must remain practical about these things. In practice, the CC company won't just roll over. The advice with the CCA includes withholding money from the CC company if they don't agree.... which is stepping into a potential minefield and potentially creating a great deal of hassle for oneself.
late payment charges, accruing interest on money not paid, possible Credit reference/score implications etc etc etc
Since in this instance Canon have already engaged the customer in advising the OP to send the camcorder to them, the CC won't touch it. That's the practicalities of it. If Canon come back and say it's wear & tear, neglect, accidental damage, whatever, again the CC won't touch as they will stand firm on the fact this isn't a case of faulty goods and the onus will be on the OP to prove otherwise.
In this instance the OP is claiming defective goods, The only realistic outcome where the OP gets a working camcorder is if Canon accept this is faulty. I they refuse, the OP is unlikely to have a leg to stand on with the CC company as the onus is on them to prove breach of contract by way of defective goods which Canon will have already disputed!
I think you also need to note that the potential responsibility with the CC is about cost, and not 'sorting it out'0
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