credit card claims

sayzie

hi hope somebody can help, i have made a claim on my credit card for full amount of a suite i ordered from land of leather. i paid a deposit but didn't pay outstanding balance. can i claim full amount or only deposit. thanks sayzie.

normanmark

What was wrong with the suite? Is it a non-refundable deposit?

sayzie

company went bust. never received suite. credit card will pay back deposit but thought martin lewis said you can claim full amount.:money:

oscar52

sayzie wrote: »

company went bust. never received suite. credit card will pay back deposit but thought martin lewis said you can claim full amount.:money:

you can if you have paid the full amount - you cant claim the rest if you didnt pay it at all

sayzie

did you see martin lewis on gmtv in dec 2008 explaining about claiming under section 75 consumer act. he said if you only paid deposit on card still entitled for whole amount.

oscar52

you still have to have paid the rest off.

If what you were saying is true, I could go into town, pay £500 for three or four sofas (single deposists) then go and claim £5000 of my cc company when the comapny went bust?

sayzie

i know it sounds too good to be true, but log onto gmtv website and watch the video with martin lewis fiona phillips and ben sheperd dec 2008. i just want to be certain before i make claim. thanks

The_Plush_Doormat

Sayzie,

Click on this link and scroll half-way down to Martin's interpretation of "Savvy Salma's" dilemma. If I am reading it correctly, you are, in fact, right about claiming the whole amount back from the CC company.

http://www.moneysavingexpert.com/shopping/section75-protect-your-purchases

oscar52

The_Plush_Doormat wrote: »

Sayzie,

Click on this link and scroll half-way down to Martin's interpretation of "Savvy Salma's" dilemma. If I am reading it correctly, you are, in fact, right about claiming the whole amount back from the CC company.

http://www.moneysavingexpert.com/shopping/section75-protect-your-purchases

"Salma pays £10 on her credit card and the rest on her debit card"

not

Salma pays £10, company goes bust and Salma claims £500 or a nice tidy £490 profit.

The_Plush_Doormat

Oscar,

Martin says "yes she can claim the whole £500 from the credit card company". The debit card was given as an example, as Savvy Salma only had £10 limit on her CC. Please read the whole article. Then, if I am wrong in my understanding of what Martin is saying, I will apologise.

oscar52

The_Plush_Doormat wrote: »

Oscar,

Martin says "yes she can claim the whole £500 from the credit card company". The debit card was given as an example, as Savvy Salma only had £10 limit on her CC. Please read the whole article. Then, if I am wrong in my understanding of what Martin is saying, I will apologise.

I have read the article. Section 75 only allows you to claim for losses. If OP didnt pay the remainder of what was owing, she hasnt lost anything as the CC has already agreed to refund the deposits.

Do you know of any company, regardless of Sec 75 that would give a refund for something you never paid for?