A new battle, getting money back from Lloyds TSB &/or Wantglasses.co.uk

studioeng

Long story short, I purchased two pairs of prescription glasses from WantGlasses.co.uk Oct '08 after 6 or so weeks nothing arrived, unable to telephone them or get any response from emails, I contacted Loyds TSB my credit card company to start the Section 75 dispute, only to be led down a path which has led nowhere and now they are telling me there is nothing they can do as they have recieved the relevant documents 'too late'. I've telephoned Lloyds TSB about a dozen times as they kept sending me the wrong documents, and now they blame me for being 'too late' on sending the documents they needed; which THEY lost the first time round.

The glasses finally arrived after about 2 1/2 months, but they are completely wrong and not what I expected them to be, but I cannot get hold of anyone to get them replaced/refunded.

Does Mastercard have rules to govern the 'time limit' that you can claim, or is that a BS reason to get rid of me?

What would the best course of action be?

phlogeston

studioeng wrote: »

I purchased two pairs of prescription glasses from WantGlasses.co.uk Oct '08

Were the glasses priced at £100 or more?

Was WantGlasses the supplier, or were they providing a service on behalf of another party?

studioeng wrote: »

I contacted Loyds TSB my credit card company to start the Section 75 dispute

So you are claiming for breach of contract, therefore you have 6 years. Mastercard/Lloyds TSB don't get to make the rules.

If they are liable under the s.75 Consumer Credit Act 1974, then you can choose whether to claim against the supplier, the card issuer, or both.

In the past the Financial Ombudsman has penalised firms for denying their liability under the CCA 74.

FROM NOW ON ONLY DEAL WITH LLOYDS/TSB IN WRITING!

studioeng

Thank you very much phlogeston for your quick reply. The order of two pairs of glasses came to £105, does each item have to cost £100 or more, or the order as a whole?

I am in the process of writing a letter to Lloyds TSB.

phlogeston

studioeng wrote: »

The order of two pairs of glasses came to £105, does each item have to cost £100 or more, or the order as a whole?

I believe that the Act is worded in such a way as to apply to a 'single item' having a cash price over £100.

(http://www.statutelaw.gov.uk/content.aspx?activeTextDocId=436428)

In which case, you do not have cover under s.75 CCA '74.

If anyone knows different (and can give a reference) please feel free to correct me.