Section 75 Claims

Rumpole_of_the_Bailey

I wish to make claims against four Credit Card Companies for financial services paid for with their credit cards as I have not received the services. The payments total £4765. In essence the Credit Card Companies made payment to Companies seeking to have outstanding credit card debts (including their own) declared unenforceable due to errors in the contract, Both companies have since become insolvent. I cannot find a specimen template letter to send to the Credit Companies concerned.The payments made by the Credit Card Companies were in March 2009. The two Companies concerned were Connect Services Group Ltd and My Claims Supermarket For Introducers Ltd. In respect of Connect Services, Administrators were appointed on 2nd February 2011. My Claims was dissolved on 31st August 2010. At present I have entered into a Debt Repayment Plan through Stepchange and have included the Credit Card Companies amongst the creditors, all of whom are Credit Card Companies. Could you please advise me generally and point me two the relevant template letters.

meer53

You should call the card issuers to discuss your disputes. There are timescales for disputes for non receipt of services, transactions from 2009 will be way out of these timecales.

What happened with these companies ? Did you receive anything from them at all ?

You can ask them about both chargebacks and Section 75 which would cover breach of contract. More info is needed to offer any further advice.

Tixy

There is a link to a template letter for a section 75 claim on this article http://www.moneysavingexpert.com/shopping/section75-protect-your-purchases

[STRIKE]However given the dates you are probably outside the time limits for a section
75 claim - the time from which you could have claimed would have started no
later than the date the companies entered insolvency I would think.[/STRIKE]

I have seen someone posting a similar query to yourself.
In that instance I believe that it was argued that the claims company had in fact fulfilled the service they had been paid for, because of fairly vague wording in the service being provided.

InsideInsurance

Chargebacks are way out of the window given the timescales.

You will need to move quickly on a S75 claim however as you potentially become statute barred in March if the payments were made back in March 2009

There are many template S75 letters out there for you to use. Given there were 2 companies involved I am not sure why you paid for the services on 4 credit cards? Presumably the cost of the services were each over £100?

grumbler

Rumpole_of_the_Bailey wrote: »

...In essence the Credit Card Companies made payment to Companies seeking to have outstanding credit card debts (including their own) declared unenforceable due to errors in the contract...

What an irony! I feel really sorry for the poor "Credit Card Companies"

chanz4

haha this is funny, explain when you try and raise a section 75 that you were trying to do them also out of money lol

bris

Talk about karma, this has to be a wind up.

chattychappy

InsideInsurance wrote: »

You will need to move quickly on a S75 claim however as you potentially become statute barred in March if the payments were made back in March 2009

Yep, though as you probably know it's 6 years from date of breach which might be a little later in the OP's case.

InsideInsurance

chattychappy wrote: »

Yep, though as you probably know it's 6 years from date of breach which might be a little later in the OP's case.

At a minimum it creates a possible argument which would be best avoided if possible