Visa Chargeback

grumbler

MSE article:

• Visa, Mastercard & Amex Chargeback

120 days start from the delivery (collection in your case?), not from the deposit.

MrBlue's_Dad

I will give the CAB a call as I have a case number and try and check this out.
Thank you for your help.

Ben8282

The OP ignores requests to state if debit card or credit card so I think it must be assumed it was a debit card.
I really can't see any grounds for a chargeback here. The OP purchased a used car costing around £10K but obviously made no attempt to have the condition of the vehicle or it's value checked, drove it around for almost 6 months and then, apparently without making any complaint to the dealer or giving the dealer any reasonable opportunity to sort the problem out, decided to try a chargeback.
There is no evidence that it was the dealer who changed the engine. It could have been the previous owner(s). The dealer, if accused, will say it was you.
'Corrosion issues' are very subjective. The dealer will say the condition of the vehicle was taken into account when determining the sale price.

MrBlue's_Dad

Hello Ben,
Thank you for the reply.
The deposit for the car was paid on 24/07, this is what is in dispute at the moment even though the claim was lodged at 118 days.
Regarding the actual purchase this was until 28/09. 10 days later we started to be moment aware of the numerous problems with the car starting with the nearside front caliper falling off while driving.

The undisclosed chang of engine by the dealer is a fact, I have an email from them admitting they changed the engine as part of repair work. Therefore this car was bought and one of the factors was it had a mileage of 55k. The fact is now this car with its replacement second hand oil and water leaking engine has an unknown mileage.

It is now exactly two months since we bought this car and 6 weeks since we were were told it was too dangerous due to major defects with the brakes to be used.

Perhaps now that you know the facts you may have a different point of view regarding the plight we are in.
Regards.

SnowTiger

This is what the FOS has to say about Chargeback and card providers who drag their feet:

Chargeback attempts are not guaranteed to succeed, and card issuers cannot force suppliers' banks to refund money paid by plastic card. Although card issuers will sometimes make an interim refund to their customer's account, pending the outcome of the chargeback, this is likely to be removed if the chargeback is unsuccessful. So it is important that the card issuer makes it clear to the consumer that their card account may be re-debited if the supplier's bank does not agree to the chargeback.

There are time limits for attempting a chargeback, and we would expect the card issuer to bear that in mind if a consumer contacts it about a situation that might entail a chargeback request. If, in a particular case, the card issuer fails to act within the time limit, and we conclude that a timely chargeback attempt would probably have been successful, then we may say the card issuer should compensate the consumer for its failure to act in time.