Chargeback

rizla_king

FireWyrm wrote: »

Yes...and therefore providing another reason the OP can use to force a chargeback...

The goods were not as described. I'm assuming the OP can prove they were not labelled on the website as 'fake ugg boots' or similar. Having paid for genuine Ugg boots, I think we can safely say, they were not as described either.

Further to that, the goods have to be fit for purpose under several consumer regulations and one would expect (even fake) boots to last a lot longer than a month - therefore, defective when received.

Thirdly, the website is gone, that means the retailer is out of business or ceased to exist, providing yet another reason for a chargeback, the consumer could not return the goods if he wanted to. The OP knows that the website is gone therefore demonstrating a valid attempt to return the goods for a refund.

That's three reasons I can see right there.

OP, complain to the FOS and test it to see who is right. Dont just take Nationwide's word for it.

Exactly. There are more than enough grounds for chargeback in this case.

rizla_king

Similar case here.

http://www.consumeractiongroup.co.uk/forum/showthread.php?324303-Visa-debit-card-chargeback-Nationwide-refusing-to-help

meer53

rizla_king wrote: »

Similar case here.

http://www.consumeractiongroup.co.uk/forum/showthread.php?324303-Visa-debit-card-chargeback-Nationwide-refusing-to-help

It would be interesting to hear the outcome of that dispute. Don't think we will though as it was in 2011.

dalesrider

FireWyrm wrote: »

Really. That would be why Nationwide are not doing what they are supposed to be doing, inacurate information. The rules are quite specific and a chargeback is allowed when goods are faulty and when a company has gone into administration. A claim can be made any time up to 120 days and Visa do not specify that the goods have to have been returned at all....

We're a journalistic website and aim to provide the best MoneySaving guides, tips, tools and techniques, but can't guarantee to be perfect, so do note you use the information at your own risk and we can't accept liability if things go wrong.

From bottom of page......

What I want to know is what was the debit description on the statement?

Meer53 is right.
As someone else who works visa chargebacks. Faulty has to be from when goods recieved.
Also chargebacks do not cover quality of goods.

Now if the OP could prove they are fake, then there is a possibility of a 53 chargeback.
But the OP will need something in writing from a UGG retailer to say fake and also need to prove they cannot return the goods.

Personally in this case its a very weak one. Some will try it and tell the customer that may will fail. Others will simply say, unless they are sure that it will not even be tried.

Yes I would try it.


Also as far as FOS goes, they already admit that chargebacks are not a legal right and is nationwide feel that there is not enough to go on then it will fail.

As to going to branch and getting them to do it :rotfl:They will have no idea about how to even start doing one. Or even if they could....
OP needs to talk to the disputes team, not the front line guys.

will30

As Soon as the 2 Magic words - Financial Ombudsman are mentioned Nationwide phone me, apologise for the email they sent and have started to proceed with my claim.

I know it doesnt mean I will be successful, but its a start