Credit car protection on faulty imported goods

Marksfish

I purchased some LED aquarium lights from China on the recommendation of some people I know. The lights are faulty. I purchased with Paypal, but using my Nationwide credit card as the funding source. The cost was $600 US, so above the £100 required for protection in this country.

Paypal won't play as it is now more than 45 days since payment date. My next thought is to approach Nationwide because the seller isn't playing ball with me. I keep a £0 balance on my Paypal account, so every transaction is funded by my credit card and I have had success in the past disputing transactions made in the UK. I am lead to believe that this cover should protect me no matter where I purchase. Would that be correct?

Thanks

Mark

CKhalvashi

There are some transactions where the company that deals with your credit card payment is not the same as the one that provides the goods or service - such as Paypal.
If you use your credit card to pay for something through PayPal and the funds go direct to the seller, then as long as the company you're buying from has a 'Commercial Entity Agreement' with Paypal you may still be able to claim under Section 75 for any misrepresentation or breach of contract.
PayPal offers its own buyer protection scheme, called PayPal Buyer Protection, so it's worth checking if you'd be covered by that if you have a problem with your purchase.

I've pulled this off Which, and there's no mention of it being restricted to the UK, whether that be in law or otherwise.


CK

jonesMUFCforever

If you paid through Paypal then there is no s75 protection at all.

You would have needed to pay direct with your Nationwide card to get the protection.

bengalknights

Just do a chargeback to the paypal transaction stating goods not received

Marksfish

The 45 days timescale has lapsed for me to open a dispute, hence trying to recourse through the Nationwide.

dalesrider

If the lights are faulty. That has to be from when you received and not devolped.
Then there would be a chargeback right. But you do need to return them at your expense. (can not claim that back)
Only issue again is using paypal..... As they have not supplied the goods and any chargeback with nationwide is just claiming the money back from paypal.
They can reject on the basis that they did what was required. just move the money.

Time that people when paying for large purchases stopped using 3rd party money movement co and went direct to the company...

Marksfish

Problem was it was Paypal, bank transfer or Western Union!! Paypal was the safest option.

jonesMUFCforever

Marksfish wrote: »

Problem was it was Paypal, bank transfer or Western Union!! Paypal was the safest option.

You what?
You seem to be $600 down - how is that safe?

None of the options were safe -I wonder why they didn't take cards?

DCFC79

Marksfish wrote: »

Problem was it was Paypal, bank transfer or Western Union!! Paypal was the safest option.

Safest option would have been to run a mile.

bris

Why don't you just send them back for a refund or exchange, all the Chinese companies I have dealt with offered this option.

If you are worried about the cost of sending them back to China well thats your problem for buying them from there in the first place, but the fact is even with a S75 claim you need to give the retailer the chance to put it right. You can't just start a S75 or paypay claim because they are faulty, the retailer has the right to sort the problem out first.

opinions4u

bris wrote: »

you need to give the retailer the chance to put it right. You can't just start a S75 or paypay claim because they are faulty, the retailer has the right to sort the problem out first.

While what you said is likely to be the most effective way of dealing with the matter, where the credit card company has a joint liability under S75 you don't have to go via he retailer first.