Focus DIY section 75 claim

outofworksch

You could try phoning the number mentioned in this story http://www.thisismoney.co.uk/bargains-and-rip-offs/article.html?in_article_id=534990&in_page_id=5&position=moretopstories

meer53

getagrip83 wrote: »

thank you all !


if you are still around meer53 i thought that visa chargebacks only applied to debit cards?


Regrettably I do stress about these things as I always feel slightly like a fly on the side of an elephant when trying to resolve these kinds of disputes.


But I now feel calmer and thank you to whoever read the print properly. I will get my act together:D

thanks again

gag

Visa chargebacks apply to Visa cards, both debit and credit. Section 75 only applies to credit cards.

getagrip83

Thank you meer53 for your response.

I would be interested to know why the diiference between a Visa chargeback and a section 75 claim is causing so much angst (MSE is pro financial education after all!)


Would you feel happier if we were all asking for Visa chargebacks?

I am aware that no company will willingly accept a loss if there is any remedy.

The problem I have and what started this thread is being asked for documents to show Focus is in administration and (the fact after that that i read the letter wrongly,mea culpa)

The odd thing is that if I have understood you all correctly I could be one of the few who do have a genuine s75 claim.


The administration papers have stated from day 1 that "At this stage we cannot deliver goods where the customer has ordered goods for home delivery" which is what mine were and yes I did send the invoice to the CC company.

If I understand administration, I believe that the administrator has to hold all the money at the date of administration and then distribute it among the creditors, some of whom will be secured, which I am not!

AS an aside while I was mulling over how the CC companies had accepted S75 and it has to be that in general large companies tend to go bust on rare occasions and the losses from the smaller ones are easier to absorb.

The reason I suspect that people mention gonig to the FOS is because from the outside it does feel as if the companies are using delaying tactics, or failing in staff education, and the only way to have any support is to use the FOS as one is very aware that one is an individual taking on a company whose interest is best served by not paying out!

Thanks people

gag

pvt

getagrip83 wrote: »

If I understand administration, I believe that the administrator has to hold all the money at the date of administration and then distribute it among the creditors, some of whom will be secured, which I am not!

Gag,

You're describing there what a Receiver does. An Administrator is different.

An Administrator is appointed to stop the vultures killing a company that may be viable, but maybe just has a liquidity or cashflow problem. The Administrator's job is to decide the best course of action and run (administer) the company in the interests of the creditors. That action may be to cease trading and appoint a Receiver, but it may also be to keep operating the company (or part of the company) and improve the assets. An example might be where a company was contracted to build something and a very small amount of work still needs to be done to complete it and obtain payment - the administrator would obviously continue the work and get the payment on completion.

pvt

meer53

getagrip83 wrote: »

Thank you meer53 for your response.

I would be interested to know why the diiference between a Visa chargeback and a section 75 claim is causing so much angst (MSE is pro financial education after all!)


Would you feel happier if we were all asking for Visa chargebacks?

I am aware that no company will willingly accept a loss if there is any remedy.

The problem I have and what started this thread is being asked for documents to show Focus is in administration and (the fact after that that i read the letter wrongly,mea culpa)

The odd thing is that if I have understood you all correctly I could be one of the few who do have a genuine s75 claim.


The administration papers have stated from day 1 that "At this stage we cannot deliver goods where the customer has ordered goods for home delivery" which is what mine were and yes I did send the invoice to the CC company.

If I understand administration, I believe that the administrator has to hold all the money at the date of administration and then distribute it among the creditors, some of whom will be secured, which I am not!

AS an aside while I was mulling over how the CC companies had accepted S75 and it has to be that in general large companies tend to go bust on rare occasions and the losses from the smaller ones are easier to absorb.

The reason I suspect that people mention gonig to the FOS is because from the outside it does feel as if the companies are using delaying tactics, or failing in staff education, and the only way to have any support is to use the FOS as one is very aware that one is an individual taking on a company whose interest is best served by not paying out!

Thanks people

gag

If you've sent documents to your CC company, they should be actioning a chargeback and you'll be refunded. The only way you would be redebited again is if your goods are available for delivery and Focus (or the Administrators) represent the chargeback. Your CC company will let you know if this is the case, the chargeback can reject up to 60 days after it has been actioned.

DCFC79

meer53 wrote: »

Your card issuer should be dealing with this as a dispute under Visa regulations not as section 75 really. They can action a chargeback for non receipt of goods, all card issuers are aware that Focus are no longer trading. We're doing chargebacks at the moment without any documentation, it's not strictly necessary under Visa regulations. Some card issuers will ask for it though, in my opinion it's a waste of time. Are you confusing section 75 with a chargeback ? They're 2 completely separate things.

we wrote to the bank to get the refund and they told us to write to the administrators,

getagrip83

Credit card has refunded the money.

Thank you to every one for the encouragement.

gag

DCFC79

As we paid by visa debit the issuing bank have said to contact the administrators and the bank are in communication with the administrators, hopefully we will hear back soon