Credit Card Dispute

harding1985

Hi Everyone, im after some advice.

I spent £165.00 with a online store but i've only received £105.00 worth as 4 of the items were not in stock, I have paid £165.00 and have not seen any refund that the company agreed to pay me back.

The purchase was made on the 19th October 2009, so im owed a refund of around £50.00 but have yet to see it, I've chased the company in question and said they have passed it to the finance department but still not seen anything tried calling and it just rings and rings, now i've paid fully on my credit card, am I covered in any way?

Cheers
Lee :T

Stinkybell

You're not covered under Section 75 as each individual item must be more than £100. If you used a Visa card you may be able to do a chargeback

harding1985

so im not covered at all then? They can take my money and be gone with it lol

McKneff

Dont think youre correct there Stinkybell,
If the whole transaction was over £100 then i would have thought it would be covered. As long as the goods werent paid for singly.

No doubt someone will come along who knows for definite.

opinions4u

harding1985 wrote: »

I spent £165.00 with a online store but i've only received £105.00 worth as 4 of the items were not in stock, I have paid £165.00 and have not seen any refund that the company agreed to pay me back.

At what point in time have they agreed to refund you?

You really need to allow a week from then to see the money re-appear on your account.

The purchase was made on the 19th October 2009, so im owed a refund of around £50.00 but have yet to see it

Patience is a virtue. If the refund was agreed on the 19th, then fine, you have a point. If a few days later then wait.

I've chased the company in question and said they have passed it to the finance department but still not seen anything tried calling and it just rings and rings, now i've paid fully on my credit card, am I covered in any way?

No credit card company will do anything until your retailer has had reasonable chance to act.

harding1985

Cheers opinions4u, i'll give it another week

The agreement was to refund mid last week.

In being abit too impatient, quick enough to take your money though, slow to give it back, always the way....

Stinkybell

McKneff wrote: »

Dont think youre correct there Stinkybell,
If the whole transaction was over £100 then i would have thought it would be covered. As long as the goods werent paid for singly.

No doubt someone will come along who knows for definite.

If you've bought single items then they count as seperate transactions for Section 75 http://www.moneysavingexpert.com/shopping/section75-protect-your-purchases#bill

If you were sold the items as a bundle then you can claim, but based on OP I don't think that's the case

TFD_2

harding1985 wrote: »

Cheers opinions4u, i'll give it another week

The agreement was to refund mid last week.

In being abit too impatient, quick enough to take your money though, slow to give it back, always the way....

Even if they processed it mid last week, you wouldn't see it on your card yet.

Usually you should give a "reasonable amount of time" before taking further steps, which is ususally see to be 14 days or so.