pip claim refused 30 January 2015 at 11:18PM edited 30 November -1 at 1:00AM in Credit Cards 19 replies 4.4K views

orangeglow1

Please can you advise me ,paid for daughters implants with my cc.CC company refused to refund me as purchase was not for myself.Implants ruptured and were faulty . CC company said i am a third party and there is no contact with me . Can i still get refund?

zx81

No. Not via the card. Have you pursued the company directly?

chattychappy

orangeglow1 wrote: »

refused to refund me as purchase was not for myself..... CC company said i am a third party and there is no contact with me .

The two are slightly different, but the CC is probably right.

If X has a CC and buys something "for Y", then Y is not a party. X is the cardholder and X has the contract with the merchant. This is a bit like buying a Christmas present that goes wrong. The person who bought it can go back to the CC. (Though some people have said you can't..)

This is different where Y buys something from a shop but X pays. I'm guessing this is the case here, your daughter would have contracted to have the implants, and you merely paid on your CC. You had no contract for the implants and your daughter didn't have the CC. So no help from S75.

jonesMUFCforever

Yeah...............first post...............?

grumbler

What's 'pip'?

If you think your daughter has the case against the CC company, then she can simply sue the company directly instead.

PeacefulWaters

grumbler wrote: »

What's 'pip'?

I was expecting a PPI thread.

If you thin your daughter has the case against the CC company, then she can simply sue the company directly instead.

Many of them were liquidated as soon as the dodgy implant scandal broke. The companies, that is.

McKneff

I was expecting a PIP (DLA) thread.

Nasqueron

grumbler wrote: »

What's 'pip'?

If you thin your daughter has the case against the CC company, then she can simply sue the company directly instead.

PIP were those dodgy implants from a French company who used cheap industrial grade silicone instead of the medical grade silicone or saline which were more prone to bursting.

The situation is quite complicated on removal and replacement in particular:

In England, the NHS will remove but will not replace PIP implants unless they were fitted by the NHS (e.g. mastectomy patients).

In Wales they will remove and replace PIP implants

There is nothing on the NHS site about Scotland for some reason.

People who used private firms who used PIP need to pursue the clinic - some will do it free, others charge - if there is no help or the firm is no longer trading, the NHS will remove - there are further exceptions if you went private but for medical reasons (including having one breast 2 sizes different to the other, no natural breast tissue or if the implant was related to mental health issues like body dysmorphia), in which case the GP can refer you for replacements.


The OP should approach the clinic - NHS advises the below will do it free if clinically necessary (e.g. a rupture)

BMI Healthcare
HCA International
Holly House
Highgate Hospitals
Make Yourself Amazing/MYA Cosmetic Surgery
Nuffield Health
Ramsay Health Care
Spire Healthcare

The below will charge to replace

Harley Medical Group
Transform
The Hospital Group

If no joy or the implant was done abroad, ask the GP to get them referred to have the implants removed (only). If in Wales they can do the above and get new implants

See

http://www.nhs.uk/Conditions/Breast-implants/Pages/Removal%20and%20replacement%20of%20PIP%20implants.aspx

jonesMUFCforever

24 hours later - no update from OP.

Nasqueron

jonesMUFCforever wrote: »

24 hours later - no update from OP.

Oh well, at least United have remembered how to score and are on MOTD second I think

eskbanker

Nasqueron wrote: »

Oh well, at least United have remembered how to score

....thereby averting a thread that starts with "I spent £24m on a Colombian striker and he's not scoring as many goals as I thought he would, do I have any rights under section 75?"