Section 75 Claim

markyk

Hi all

I'd like to tap into everyones knowledge and experience and ask your opinion on whether we might be being fobbed off a little by our credit card company.

We have recently made a claim from c/c company under section 75 for a faulty dining room table & chairs. The retailer would not refund us because they have gone into liquidation.

We have sent the c/c company every piece of correspondence between us and the retailer and also the liquidators. This info includes who the liquidators are, how much we are claiming, when we received the goods and all efforts to resolve the issue.

We received a reply from the c/c company this morning saying they need this info:

-supply the date that we received the faulty goods
-liquidation document
- we need to tender return the incorrect goods to the retailer- which means we need to email the retailer to advise the goods are available for collection at a mutually convenient time. Natwest need copy of the email
-they need us to confirm in writing attempts to resolve this issue with the liquidatory eg telephone calls or emails. We need to request a full refund to enable the bank to pursue claim


What are your thoughts? They have much of this information and I am of the opinion they do not need some of what they are asking for.

meer53

markyk wrote: »

Hi all

I'd like to tap into everyones knowledge and experience and ask your opinion on whether we might be being fobbed off a little by our credit card company.

We have recently made a claim from c/c company under section 75 for a faulty dining room table & chairs. The retailer would not refund us because they have gone into liquidation.

We have sent the c/c company every piece of correspondence between us and the retailer and also the liquidators. This info includes who the liquidators are, how much we are claiming, when we received the goods and all efforts to resolve the issue.

We received a reply from the c/c company this morning saying they need this info:

-supply the date that we received the faulty goods
-liquidation document
- we need to tender return the incorrect goods to the retailer- which means we need to email the retailer to advise the goods are available for collection at a mutually convenient time. Natwest need copy of the email
-they need us to confirm in writing attempts to resolve this issue with the liquidatory eg telephone calls or emails. We need to request a full refund to enable the bank to pursue claim


What are your thoughts? They have much of this information and I am of the opinion they do not need some of what they are asking for.

Natwest have to supply info to either Visa or Mastercard if they are disputing this (via chargeback rights) for you. It sounds more as if they are doing this rather than dealing with a Section 75 claim to me. If i were you, i'd supply them with what they're asking for, otherwise your claim will not be processed, why don't you want to send it to them ? Your opinion doesn't really matter in this case i'm afraid, without the documentation you won't be looking at a refund.

markyk

Thanks for the reply.

It's not that I don't want to provide it. My point is that we have already provided it and to provide it again would be a further delay.

Our claim is for a partial refund because other items we purchased are fine and we are keeping. Natwest are trying to tell us we need to make a claim for a full refund??

By 'my opinion' I meant that using information gained from advice on sites such as these about section 75 claims, my opinion is that Natwest do not need to ask for anything further than what we have already provided.

Optimist

I would suggest that you have provided the required documentation and Natwest are, to use your term fobbing you off. I find it surprising that they are looking at a full refund when you are only asking for a partial refund and it does seem that they are not treating it as a Section 75 claim.

I think you need to start the banks complaints process, documenting everything doneso far . You can not go to the ombudsman until this complaints process is done but it will ensure the bank start to take you seriously

arcon5

You say you sent every piece of correspondance... could it be a case of whoever dealt with it didn't have time to go through it all to find the bits of information they want? So instead are in effect asking for a summary...