No Cover for Quality

AmIBeingRobbed

I am considering paying for an online training cost about $1200. There is a possibility the quality of course may not be good or the web site is too slow, in which case I may want the money returned.

I spoke to Nat West Credit who tell me their credit card offers no protection whatsoever for quality of a product or service. Compensation is only given if goods are not delivered.

Is this correct and can anyone think of a way of payment where I could have some protection?

meer53

Natwest are correct.

grumbler

I don't think that there could be any easy way.
It's up to regulating bodies or courts to make judgements on quality, not to financial institutions and payment processors.

However, if you go to a court you can claim against both the company and the CC provider.

thenudeone

meer53 wrote: »

Natwest are correct.

Rubbish.

Natwest are jointly liable for any breach of contract or misrepresentation under s75 CCA 1974

Are you saying that the quality of a service or purchased item isn't part of the contract?????

Having said that, however, convincing a court (or Natwest) that the quality of a training course falls so low that it constitutes a breach of contract, is never going to be easy.

meer53

thenudeone wrote: »

Rubbish.

Natwest are jointly liable for any breach of contract or misrepresentation under s75 CCA 1974

Are you saying that the quality of a service or purchased item isn't part of the contract?????

Having said that, however, convincing a court (or Natwest) that the quality of a training course falls so low that it constitutes a breach of contract, is never going to be easy.

There is no protection under Visa Chargeback regulations for "quality of goods or services" which is probably what they were referring to as they have mentioned "non receipt of goods"

The fact that a website is slow or that the purchaser feels that the course isn't "good enough" is something that the OP could look at under S75, but as long as the service is being supplied, any claim would more than likely fail.

grumbler

Indeed, any claim to Natwest under s75 is more than likely to fail.
However there are no any grounds for saying this about a court claim.

AmIBeingRobbed

Quite few opinions here.

This is the opinion I am starting to form:

• Section 75 of the 1974 Credit Act makes the card company liable for defects under sale of goods and services acts as if they were the vendor. (So Nat West was wrong on that count.)
• The site terms and conditions mean the vendor responsible for not very much in terms of quality - but this does not over ride any rights a consumer may arising from the Sale if Goods and Services Acts....

So I think I will go ahead and bite the bullet. The difficult part could be proving defective quality....but a video cam would help with site speed and probably also quality.

dalesrider

AmIBeingRobbed wrote: »

Quite few opinions here.


This is the opinion I am starting to form:

• Section 75 of the 1974 Credit Act makes the card company liable for defects under sale of goods and services acts as if they were the vendor. (So Nat West was wrong on that count.)
• The site terms and conditions mean the vendor responsible for not very much in terms of quality - but this does not over ride any rights a consumer may arising from the Sale if Goods and Services Acts....

So I think I will go ahead and bite the bullet. The difficult part could be proving defective quality....but a video cam would help with site speed and probably also quality.

So the OP has to prove to NW that the course was poor quality...
How are they going to do that?????
A video of the couse is only of any use if you then had the same of another course of exactly the same content.

Burden of proof lies with the OP in this case.

Quality is a very subjective matter, which is why it is not covered in chargeback and most S75 claims on something like a course are destined to failure.

jonesMUFCforever

OP what kind of course is it?

You quoted a $ price which suggests overseas??

Will the qualification be valid or any use in UK.

Others have advised you not to proceed I am of the same opinion.
Have you got any feedback from others who have done the course?