Master card dispute, Independent report and tender

jonahyk

Hi Grumbler

I'm not trying to take advantage of anything here. I was stucked with computer retailer not responding to emails and phone calls, so left with no choice but to call the bank credit card. However, the bank had omitted several procedures from the beginning and my OP was to that they NOW wanted an Independent Report and I need to foot the bill myself.

In all, the computer retailer is more than welcome to come collect the damaged computer back. As for the bank, in my original OP I wasn't asking the bank to pay me - I was informed that they will put a temporary credit to my CC account while they sort out the issues with the retailer. Think there is a bit of misunderstanding here.

grumbler

Start with making it clear for yourself first what exactly you want. Then make it clear to the CC company.

You have 2 options.

1. Section 75 claim. In this case you pay for the report, send the item to the supplier at your expense, then claim everything from the CC company. Possibly, you'll need to sue them if they refuse to pay voluntarily. ETA: I am not sure, possibly you can claim without sending, but it's unreasonable to expect being able to both keep the item and get the refund.
2. Chargeback. Unless it's absolutely impossible to send the item back* it's your problem to return the item and to prove to the CC company that you have done this. The CC company will pay you only what you paid originally. You can claim P&P only from the supplier.

* Visa dispute help please
* Fraud - How can I claim my money back?


MSE articles:

• Visa, Mastercard & Amex Chargeback Protection
• Section 75 refunds

Dr._Shoe

If the goods were damaged in transit, why did you not think of lodging a claim against the courier?

It seems to me that it's their fault not the vendor or the credit card company!

I would assume that the goods were sent "compensation fee" or, in layman's terms insured...

grumbler

Firstly, it's an old thread. There is no point in asking.
Secondly, the recipient, unlike the sender, has no contractual relations with the courier and can't claim anything against the courier.
If the goods were insured, they were insured by the sender, not by the recipient.