Marking a transaction as a dispute when not satisfied with goods received?

pregnantmummy

Hi everyone,
I wondered what my position would be if I marked a pending transaction on my barclaycard bill as in dispute because I am not happy with the service I received from my local garage. I went immediately back to the garage to complain as they didn't fix the fault it went in with and they refuse to discuss the problem. I suspect they may not have done any work on the car as they told me they changed an alternator bush but the battery had not been disconnected. Also they fitted a new alternator two years ago. The fault with the car was a noise it was making which was obviously not from the alternator as confirmed within ten minutes of two other separate engineers examining the car for second opinions.

I intend writing to the garage to complain and refusing to pay for the £60 bill on my barclaycard by marking it as a fraud/disputed transaction. Anyone know what the legal side would be if I did this?

mo786uk

I am not sure 'marking' it as a dispute would achieve anything

however if it was a credit card and over £100 you can do a section 75 claim - there is more to this on the main website/internet.

pregnantmummy

I paid on a credit card but the amount was £60 so less than the £100 requirement. Does that mean I have no option but to pay up? I notice you can do a charge back but this seems to relate to a debit card. The credit card bill this payment is on isn't due for another 3 or 4 weeks.

Voyager2002

I suggest you contact trading standards: do what they tell you to do, and keep Barclaycard informed.

cr1mson

No as you authorised the transaction so the actual transaction is not disputed or fraudulent. If it was over £100 then yes could look at Section 75. Agree with Voyager2002 would speak to Trading Standards.

C

YorkshireBoy

cr1mson wrote: »

No as you authorised the transaction so the actual transaction is not disputed or fraudulent.

Chargeback is an option. However, OP will need to provide evidence that there has been a breach of contract.

Could cost the OP more than £60 to gather?...if second opinions are sought and have to be paid for.

http://www.which.co.uk/consumer-rights/sale-of-goods/your-rights-when-paying-by-credit-card/chargeback-on-credit-and-debit-cards

mo786uk

Chargeback can be done on credit card but i daresay you need to evidence a good reason for it

http://www.which.co.uk/consumer-rights/sale-of-goods/your-rights-when-paying-by-credit-card/chargeback-on-credit-and-debit-cards

meer53

YorkshireBoy wrote: »

Chargeback is an option. However, OP will need to provide evidence that there has been a breach of contract.

Could cost the OP more than £60 to gather?...if second opinions are sought and have to be paid for.

http://www.which.co.uk/consumer-rights/sale-of-goods/your-rights-when-paying-by-credit-card/chargeback-on-credit-and-debit-cards

The OP should ask Barclaycard to look at a chargeback for non receipt of service but she will need evidence from an independant source to prove that the work has not been carried out. You don't need to establish breach of contract for a Visa chargeback. You can't refuse to pay the item on your bill but Barclays can place it into dispute if they're going to charge it back for you.
Depending on how much an independant report is going to cost, might not be worth it for the OP.

chattychappy

If all else fails you could consider a small claim in the county court. The fee (from memory) is around £25 if you kick it off online. If you win, the garage has to pay this. If you lose, you have only very limited exposure to their costs. They may not even bothering defending it.

But agree to involve Trading Standards first.

pregnantmummy

Thank you for all your replies. Getting an independent report and spending a lot of time on this is probably not worth it for £60. However, I am writing a letter to the garage and copying it to Barclaycard and I will also contact Trading Standards as I strongly feel this garage has let me down and their customer service is appalling.

I have had to go to another garage and of course will have to pay again to get the necessary work done. I now realise any competent garage would have known the fault was not with the alternator and that the fault is in fact the water pump which is due to be replaced on Wednesday.

Time will tell as to whether I manage to reclaim my £60. I may just have to chalk this up to experience.