Any chance of a refund

Mrsmoneypenny

I have posted this on another board, but didnt have some of the details before, I also think this is the more appropriate boards. I hope someone can tell me how to go about trying to get a refund.

My dughter has paid a £200 deposit for a christening party which was to take place later this year.

Last week a message was left on her home answer machine to say that the company was going into liquidation and they would send her a cheque.

She spoke to someone at the restaurant on the same day, they said to call back on Saturday (today) and the manager would give them a cheque.

She called round today, the place was closed so she went round the back and saw the owner/staff emptying the place.

The owner told her what had happened; no more money from the bank so it was in someone elses hands. Although i would have thought that if it was in someone elses hands they shouldnt have been emptying the place - but i am wandering now!

Anyway she paid by either her Lloyds or Halifax visa debit (forgot to ask which one). When I posted this on the other board i was told there was a thing called "chargeback" which might apply, I have since read on this and other sites about it and it looks as if she has to wait until after the date the party should have taken place and then make a claim. I havent seen anyone say that they were successful with Halifax Visa debit, has anyone had any luck?

Any help would be great.:beer:

HouseHuntr

VISA chargeback, that's the one, though there isn't any law to say they have to refund the monies. It's entirely at VISA's disrcretion unlike if a credit card had been used, then law applies.
Technically the contract would not have been broken til after the christening date so I suppose they could ask you to wait until after this time before claiming on the basis that the company may refund you prior to then or re-establish a business and provide you with what you've paid for.

cloudstrife_2

Yes if it was a Halifax debit card we can put in a claim however I would not be suprised if you went into a branch and asked about the Visa Chageback you would get blank looks. We can do a 'Debit Card Point of Sale Query Form (Non Fraudulant)' (i think thats what its called from memory). If I was filling out the form I would normally make a note with reference to the Visa Chargeback scheme.

I know its too late now but I always suggest to customers to use a Credit Card for such things, basically anything over £100 where you don't have the goods or service there and then use a Credit Card, its much easier to claim.

Cloud