Natwest Refuses Chargeback

RadoJo

Just to clarify OP - did you actually pursue the matter with the retailer under the DSR? As I understand it, you have to specifically state that you want to reject the goods under the DSR within 7 days of either delivery or other equivalent event (e.g payment of the deposit/viewing the bike itself). If you didn't do this, then the bank could reasonably request that you pursue your consumer rights with the retailer before they entertain a claim that they have not fulfilled their responsibilities.

Visiondvd

Hope this helps.
I paid for a sofa through Visa.
The sofa came and was the wrong one, hence I did not like it.
After months of negotiations and getting nowhere,
I asked the retailer for a refund, he said no.
I asked for chargeback, RBS(Visa) said no because of lack of proof that I ordered a different sofa etc etc, any excuse at all they were looking.
After months of fighting RBS I asked RBS for my money under section 75 (look it up) and told them I was making a complaint to the FSA.
That was on a Friday, I had my money Monday 11 am.
Good luck

poppasmurf_bewdley

ILW wrote: »

I would wonder why a retailer would want a deposit if they are just going to refund it. Sort of defeats the point really.

I cannot for the life of me understand why anyone would put a deposit on an article by phone for an item that he or she has never even seen. It defies all logic and common sense.

I bought a £10k motor car this week from a reputable dealer (Black Horse), and when I rang to see if it was still for sale (it was in Autotrader on Friday) they said yes and to come on down. If they had asked me for a deposit, I would have told them to go fly a kite. I paid a £500 deposit when I had examined the car AND agreed to purchase it.

No reputable trader that I have ever dealt with would ask for a deposit before a customer (or prospective customer) had seen a vehicle unless they had obtained the vehicle especially for that customer.

Visiondvd

poppasmurf_bewdley wrote: »

I cannot for the life of me understand why anyone would put a deposit on an article by phone for an item that he or she has never even seen. It defies all logic and common sense.

All the big named sofa retailers, you go into store , they show you what you want, order it, they ask you for a deposit, but you dont actually see the product you ordered until you recieve it.
same would apply to buying a new car out of a showroom.
I dont know of any car dealers or sofa retailers that will let you order something unless you hand over a deposit.
And not all car dealers or sofa retailers deliver the said goods I am proof of that.
Suppose it boils down to reputation.

poppasmurf_bewdley

[QUOTE=Visiondvd;46727225
All the big named sofa retailers, you go into store , they show you what you want, order it, they ask you for a deposit, but you dont actually see the product you ordered until you recieve it.
same would apply to buying a new car out of a showroom.
I dont know of any car dealers or sofa retailers that will let you order something unless you hand over a deposit.
And not all car dealers or sofa retailers deliver the said goods I am proof of that.
Suppose it boils down to reputation.[/QUOTE]

But you don't ring them up, ask if they have a green leather suite, get told they have, and then be asked to pay a deposit before you even see the thing. You go to the showroom, see the product, and then decide whether you want it or not. If you do, then you pay a deposit. The same goes for a new car.

I once bought a dining room suite from a furniture dealer at Merry Hill. They didn't have it in stock and delivery was quoted at 6 weeks. I refused to pay more than £50 deposit (they wanted £200) as I told them I had no guarantee the company would still be in business in six weeks time. Ironically, they went out of business about 18 months later owing customers thousands.

chattychappy

In the case of a green leather suite, the procedure is:

1) Go into shop. Look at different brands. Speak to nice assistant. Try it out.Get the kids to bounce up and down on it. Decide what you want.

2) Go home and google around. Find a warehouse type operation with a lower price. Phone up, pay deposit and order for delivery later.

3) Brag to your mates about what a clever money saver you are.

4) Get suite.

5) Moan that the high street isn't what it was.

TheTruthMachine

chattychappy wrote: »

In the case of a green leather suite, the procedure is:

1) Go into shop. Look at different brands. Speak to nice assistant. Try it out.Get the kids to bounce up and down on it. Decide what you want.

2) Go home and google around. Find a warehouse type operation with a lower price. Phone up, pay deposit and order for delivery later.

3) Brag to your mates about what a clever money saver you are.

4) Get suite.

5) Moan that the high street isn't what it was.

You forgot to say

6) Contact the retailer and tell them how influential you are on here to scare them

guesswho2000

poppasmurf_bewdley wrote: »

No reputable trader that I have ever dealt with would ask for a deposit before a customer (or prospective customer) had seen a vehicle unless they had obtained the vehicle especially for that customer.

I disagree.

I've bought 5 cars now from main dealers (Renault & Mazda) over the years located at various locations around the country, each time I've paid a deposit via credit card to hold the vehicle and get them to remove it from sale.

Luckily I've never needed to go down the route of having to get the deposit back as I've completed the sale, but it makes sense, as they know you're not simply wasting their time getting them to remove from sale then not turning up.

Additionally, since car dealers generally prefer debit cards, due to the high interchange fees on big ticket items, a deposit via credit card provides the buyer with S75 protection, even a £1 deposit.

Obviously this isn't exactly the same as OPs issue, I can see the logic behind asking for the deposit. Similarly, I see no reason why OP shouldn't get the deposit back at all, they put down a refundable holding deposit prior to actually seeing the item, decided not to proceed, therefore the deposit should be refunded.