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Visa dispute help please

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  • meer53
    meer53 Posts: 10,217 Forumite
    Tenth Anniversary 10,000 Posts Combo Breaker
    They would do a chargeback for non receipt of goods.
  • grumbler
    grumbler Posts: 58,629 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    If no returns label turns up you will be out of pocket after paying return postage so make sure you claim this back.
    Don't forget to send it 'signed for' and pay for the postage with your card. Then add the cost of the return postage to the amount you are claiming back via Nationwide.
    I don't think that chargerback can be bigger than the original payment.
  • grumbler wrote: »
    I don't think that chargerback can be bigger than the original payment.
    You could argue that as the wine bottle received was unsolicited - he could keep it for a reasonable time until either the merchant collected it (in contract law OP does not have to return even with a returns label) or told OP to keep it.
  • meer53
    meer53 Posts: 10,217 Forumite
    Tenth Anniversary 10,000 Posts Combo Breaker
    The chargeback is done against the original transaction so has to be for the original amount.
  • tomtontom
    tomtontom Posts: 7,929 Forumite
    You could argue that as the wine bottle received was unsolicited - he could keep it for a reasonable time until either the merchant collected it (in contract law OP does not have to return even with a returns label) or told OP to keep it.

    It was not unsolicited in the legal sense, it was an error. Also contract law is not relevant to truly unsolicited goods, there can be no contract where goods have not been ordered/ requested.

    OP needs to return the goods at their convenience and at the expense of the retailer.
  • dzug1
    dzug1 Posts: 13,535 Forumite
    10,000 Posts Combo Breaker
    Cyberman60 wrote: »
    Try quoting to Nationwide that you should be entitled to cover under section 75 Consumer Credit Act 1974.


    Did the wine cost over £100? If not section 75 doesn't apply
  • tomtontom wrote: »
    It was not unsolicited in the legal sense, it was an error. Also contract law is not relevant to truly unsolicited goods, there can be no contract where goods have not been ordered/ requested.

    OP needs to return the goods at their convenience and at the expense of the retailer.
    This is why the legal profession is so well paid - its a minefield to ordinary people.
  • NiftyDigits
    NiftyDigits Posts: 10,459 Forumite
    Reviews look similar...apart from the fake one.
    Domain name:
    winememories.co.uk

    Registrant:
    tony richardson

    Registrant type:
    UK Individual

    Registrant's address:
    The registrant is a non-trading individual who has opted to have their
    address omitted from the WHOIS service.

    Data validation:
    Registrant contact details validated by registrar on 21-Jun-2014

    Registrar:
    Fasthosts Internet Ltd [Tag = LIVEDOMAINS]
    URL: http://www.fasthosts.co.uk

    Relevant dates:
    Registered on: 12-Jun-2014
    Expiry date: 12-Jun-2016
    Last updated: 21-Jun-2014

    Registration status:
    Registered until expiry date.

    Name servers:
    ns1.livedns.co.uk 213.171.192.250
    ns2.livedns.co.uk 213.171.193.250
    ns3.livedns.co.uk 213.171.192.254

    WHOIS lookup made at 00:03:03 12-Aug-2014

    The fake review was written one day after the website was registered. They must have offered super-fast delivery.

    I'm wondering why people insist on using their debit cards to make orders online. Especially on websites of which they have no knowledge.

    Perhaps the OP can forward the link to the review website as evidence, to Nationwide.

    In addition, they should write to FastNet at abuse@fasthosts.co.uk or call them to report that the registrant is trading and worse still, not supplying the correct goods. Perhaps they can supply you with the correct contact details.


    Dodgy.
  • *LolaB*
    *LolaB* Posts: 51 Forumite
    Nationwide would not do non receipt of goods on the transaction as you have received something & the chargeback rules state the merchant can correctly reject the claim with proof of delivery only not proof that they sent the right item.

    The claim they will be looking at is not as described & part of this states that the goods must be returned to the merchant before the claim is made (also a minimum timeframe to wait after the goods are sent, 15 days iirc). The claim can only be done for the transaction value not the return costs but you could ask nationwide to refund these on a goodwill basis.

    For a dispute you have 120 days fron the transaction or delivery date.

    Hth x
  • chanz4
    chanz4 Posts: 11,057 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    Reviews look similar...apart from the fake one.



    The fake review was written one day after the website was registered. They must have offered super-fast delivery.

    I'm wondering why people insist on using their debit cards to make orders online. Especially on websites of which they have no knowledge.

    Perhaps the OP can forward the link to the review website as evidence, to Nationwide.

    In addition, they should write to FastNet at [EMAIL="abuse@fasthosts.co.uk"]abuse@fasthosts.co.uk[/EMAIL] or call them to report that the registrant is trading and worse still, not supplying the correct goods. Perhaps they can supply you with the correct contact details.


    Dodgy.



    fast hosts wouldn't get involved, it would need to be nominet
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
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