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How much will my credit card cover me for?
Bob33
Posts: 3 Newbie
in Credit cards
Hi all,
Last month I purchased a 1996 mobilehome from a garage on the understanding it was in good condition, had a new MOT and had a 12 month warranty. I paid £1000 deposit with Visa and the balance of £7995 plus £200 for delivery by banker's draft. The van was delivered on 9th July 2010. On 28th July 2010 it broke down and the RAC had to be called, it was an electric fault and they jump-started the van. I phoned the seller and explained the problem, they had me check fuses etc but I couldn't find out what was wrong. A few days later it wouldn't start again and I noticed oil on my drive. I complained to them again and they finally approved me to take it to a garage to check what could be done under the warranty. The garage (a main dealer for my type of van) found numerous electrical faults and a number of oil leaks from the engine (main one being a rusty sump) The warranty covered the electrics and they were done but not the leaks. The garage did a 'health check' and warned me that the cross-member which supports engine components was rusted excessively and was an MOT failure. Components meant to sit on said member were just hanging by upper bolts, nothing secured their bottom parts. There were other MOT failures highlighted such as wheel bearings/ball joints/one tyre/exhaust mounts. All in all the other repairs would cost nearly £1,400.
I contacted the sellers who said main-dealers inflate problems and prices and that the MOT they obtained was valid. I took the van to another (small, local) MOT station and they agreed the cross-member was rusted through and needed replacing.
I contacted Trading Standards who advised me to send a registered letter of rejection of goods straightaway to the sellers (especially as I have just found out they are changing hands, not good.) They also advised I contact Visa through whom I paid the deposit as they would be able to help.
I have just spoken to Visa who said they could help with the £1000 deposit but were not liable to help get a refund of the balance of £7995. I thought Trading Standards said that the whole amount could be recoverable through Visa even though just £1000 had been used on their card. Who is right?
Welcome to my nightmare! :eek:
Bob
Last month I purchased a 1996 mobilehome from a garage on the understanding it was in good condition, had a new MOT and had a 12 month warranty. I paid £1000 deposit with Visa and the balance of £7995 plus £200 for delivery by banker's draft. The van was delivered on 9th July 2010. On 28th July 2010 it broke down and the RAC had to be called, it was an electric fault and they jump-started the van. I phoned the seller and explained the problem, they had me check fuses etc but I couldn't find out what was wrong. A few days later it wouldn't start again and I noticed oil on my drive. I complained to them again and they finally approved me to take it to a garage to check what could be done under the warranty. The garage (a main dealer for my type of van) found numerous electrical faults and a number of oil leaks from the engine (main one being a rusty sump) The warranty covered the electrics and they were done but not the leaks. The garage did a 'health check' and warned me that the cross-member which supports engine components was rusted excessively and was an MOT failure. Components meant to sit on said member were just hanging by upper bolts, nothing secured their bottom parts. There were other MOT failures highlighted such as wheel bearings/ball joints/one tyre/exhaust mounts. All in all the other repairs would cost nearly £1,400.
I contacted the sellers who said main-dealers inflate problems and prices and that the MOT they obtained was valid. I took the van to another (small, local) MOT station and they agreed the cross-member was rusted through and needed replacing.
I contacted Trading Standards who advised me to send a registered letter of rejection of goods straightaway to the sellers (especially as I have just found out they are changing hands, not good.) They also advised I contact Visa through whom I paid the deposit as they would be able to help.
I have just spoken to Visa who said they could help with the £1000 deposit but were not liable to help get a refund of the balance of £7995. I thought Trading Standards said that the whole amount could be recoverable through Visa even though just £1000 had been used on their card. Who is right?
Welcome to my nightmare! :eek:
Bob
0
Comments
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If you can prove liability, Visa credit cards are liable for the full amount.
http://www.moneysavingexpert.com/shopping/section75-protect-your-purchases
Edited in response to the excel1966 post below (silly me making assumptions in the Credit Card section)!0 -
But only if it's a VISA credit card rather than a debit card. The OP's post doesn't refer to what it is.
Not all is quite what it seems;) (I'll explain later)0 -
opinions4u wrote: »If you can prove liability, Visa credit cards are liable for the full amount.
http://www.moneysavingexpert.com/shopping/section75-protect-your-purchases
Edited in response to the excel1966 post below (silly me making assumptions in the Credit Card section)!
In fact SILLY me as the title does say Credit card !Apologies.0
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