Joint liability refused by HSBC on credit card

mrudula_2

Can anyone advice on how to procure my deposit back - deposit paid
by Credit Card for a new car. My bank has refused to help and say
that under Section 75 I have to provide them with evidence.

I have repeated informed the bank that I paid the deposit on verbal
assurance that I had 14 day cooling off period. Can anyone tell me
how do I proceed?

Thanks.

Thrugelmir

mrudula wrote: »

Can anyone advice on how to procure my deposit back - deposit paid
by Credit Card for a new car. My bank has refused to help and say
that under Section 75 I have to provide them with evidence.

I have repeated informed the bank that I paid the deposit on verbal
assurance that I had 14 day cooling off period. Can anyone tell me
how do I proceed?

Thanks.

Verbal assurance is worthless in a court of law.

You'll need to provide documentary evidence. Which will be contained in the order form you signed.

InsideInsurance

mrudula wrote: »

Can anyone advice on how to procure my deposit back - deposit paid
by Credit Card for a new car. My bank has refused to help and say
that under Section 75 I have to provide them with evidence.

I have repeated informed the bank that I paid the deposit on verbal
assurance that I had 14 day cooling off period. Can anyone tell me
how do I proceed?

Thanks.

S75 makes the credit provider jointly liable with the merchant for any breach of contract/ laws etc. That doesnt mean that they payout anything just on your say so, they are perfectly entitled to defend the claim in exactly the same way the merchant will

As S75 is paid out of the banks own pocket in the first instance and there is no automatic way of recovering the money from the merchant they understandably do defend claims unlike a chargeback.

You need to provide evidence of the agreement and evidence that the agreement has been breached. The problem with verbal contracts is that they arent even worth the paper they are written

Contrary to Thrugelmir's comment verbal contracts and assurances are perfectly submissable in court but without any evidence to back them up it simply comes down to if the judge believes its more likely the assurance was or wasnt given.