Virgin Credit card/Section 75

potzerella

I have just made a claim to Virgin money under the section 75 act

I bought a Samsung LCD colour television in November 2011 cost £579 from Come and paid a deposit of £79.00 on my Virgin Credit Card

A couple of months ago it developed a dark shadow across the top right hand corner of the screen.

I contacted a television repair company who inspected the television and reported that the screen needed replacing at a replacement cost more than the original purchase price. They charged me £40.00 for the inspection.

As Comet no longer exist I contacted Samsung with this information and they refused to help saying that it was out of its years waranty.

Having read information about the section 75 act I sent a letter to Virgin (cribbed from one of the examples on this site) on the basis that the retailer was in administration and the goods I had bought were faulty.

The first letter was sent to the Virgin complaints department 6 weeks ago recorded delivery with all relevant receipts and documentation, a second recorded delivery letter was sent 2 weeks ago, again with all documentation enclosed. So far I have had no acknowledgement from them.

I am wondering has anyone else had problems with Virgin Credit Cards and how strong is my case on the basis that the goods I bought were not fit for purpose, i.e a £570 telly should not require a major repair after only 18 months.

Many thanks for any replies

Potzerella

Herbalus

I'm no expert, but it would seem you've done everything that people normally demand on this forum. You have a professional inspection report and the original company is in administration.

The question I would therefore ask is did you send it to the right address?

Phone them and ask for an acknowledgement that they are investigating.

InsideInsurance

Case will be reasonable, does the engineer state the probable cause of the failure? Ie does he rule out user error/ electrical surge etc all of which would make it your responsibility not the retailers/ CCs

The initial letter should have been a letter of claim. The second letter should have been a complaint that the first hadnt been responded to. Have you called them to see whats happened?

Ultimately they have 8 weeks from the complaint to respond and if they fail to respond then you can go to the FOS but given the FOS timescales its better to push things through with the company than sit back and just wait

potzerella

Thanks for both replies

I have definately sent the letters to the right address and have now emailed them as well with all documents.

They do not have a specific phone line for credit card complaints only insurance mortgages and savings. Reluctant to phone any of these as they are all 0845 numbers

potzerella

InsideInsurance

Use http://www.saynoto0870.com/search.php to get a better number to call if 0845 arent included in your bundled minutes.

Call the general customer service number and they'll pass you to complaints if necessary

bengal-stripe

potzerella wrote: »

......paid a deposit of £79.00 on my Virgin Credit Card

Any purchase to be covered under section 75 needs a minimum of £100 to be spent on a Credit Card. As you have spent less than the required minimum on your card, the purchase of the television is not covered under section 75.

If Virgin is not willing to cover you as a gesture of goodwill, there is nothing you can do about.

007stuart

bengal-stripe wrote: »

Any purchase to be covered under section 75 needs a minimum of £100 to be spent on a Credit Card. As you have spent less than the required minimum on your card, the purchase of the television is not covered under section 75.

If Virgin is not willing to cover you as a gesture of goodwill, there is nothing you can do about.

Wrong - Total amount of spend exceeded £100 therefore OP can pursue Virgin CC. However as it is more than 6 months since purchase, OP must be able to show the TV was inherently faulty. Otherwise Virgin CC is not liable. Even if OP can prove TV was inherently faulty, it is more than likely they will pro rata the claim

antrobus

bengal-stripe wrote: »

Any purchase to be covered under section 75 needs a minimum of £100 to be spent on a Credit Card. As you have spent less than the required minimum on your card, the purchase of the television is not covered under section 75.

If Virgin is not willing to cover you as a gesture of goodwill, there is nothing you can do about.

Martin says different.

Buy a £3,000 TV and pay just 10p on the credit card and, they'll hate us for telling you, but the card company's liable for the whole £3,000.

http://www.moneysavingexpert.com/credit-cards/credit-card-tips

Wywth

potzerella wrote: »

I have just made a claim to Virgin money under the section 75 act

I bought a Samsung LCD colour television in November 2011 cost £579 from Come and paid a deposit of £79.00 on my Virgin Credit Card

A couple of months ago it developed a dark shadow across the top right hand corner of the screen.

I contacted a television repair company who inspected the television and reported that the screen needed replacing at a replacement cost more than the original purchase price. They charged me £40.00 for the inspection.

As Comet no longer exist I contacted Samsung with this information and they refused to help saying that it was out of its years waranty.

Having read information about the section 75 act I sent a letter to Virgin (cribbed from one of the examples on this site) on the basis that the retailer was in administration and the goods I had bought were faulty.

The first letter was sent to the Virgin complaints department 6 weeks ago recorded delivery with all relevant receipts and documentation, a second recorded delivery letter was sent 2 weeks ago, again with all documentation enclosed. So far I have had no acknowledgement from them.

I am wondering has anyone else had problems with Virgin Credit Cards and how strong is my case on the basis that the goods I bought were not fit for purpose, i.e a £570 telly should not require a major repair after only 18 months.

Many thanks for any replies

Potzerella

They have up to 8 weeks to resolve your complaint, after which you can take the matter to the ombudsman

Have you checked on the RM site your letter was actually received? If so, I suggest you make a copy of the confirmation.

dalesrider

bengal-stripe wrote: »

Any purchase to be covered under section 75 needs a minimum of £100 to be spent on a Credit Card. As you have spent less than the required minimum on your card, the purchase of the television is not covered under section 75.

If Virgin is not willing to cover you as a gesture of goodwill, there is nothing you can do about.

WRONG :mad:

Purchase was more than £100.
Add in you would still be covered if you put 1P on a credit card.

OP.

Card servicing – 0800 015 0306
7am - 10pm, 7 days a week.

You also need to speak to the disputes team.

Can never understand why people send letters. When phoning up is going to get you the details of what you need to do straight away.
Could be that Disputes team work in another part of the country.

You are worried about a 0845 No. When you are looking at claiming £800.....

potzerella

Thals for all replies

I have just phoned the card service team and they have received my letters. I have been given a number to phone tommorow.
Watch this space!!!

Potzerella