Used Car - Faulty Since Purchase - Visa Chargeback

Trypticon

Hi All,

I'll try and cut a long story short. Bought a car a month ago, found out rather quickly on receipt of it that the engine wasn't quite working as it should be. Car also had a host of other problems, which we got the dealer (rather begrudgingly) to fix.

Took it to a local mechanic who found it was misfiring. Recommended an auto electrics to confirm problem. Took it to an auto electricians who did a diagnostics and confirmed that it was misfiring as no compression in two cylinders.

I've rejected the car via email (and by recorded letter) and I am waiting to hear back. However dug up a load of information online about the dealer, physical threats of violence to others requesting refunds, setting up companies then closing them, offshore accounts, court fines for other businesses etc etc etc. You get the picture. So I'm not expecting anything beyond a wall of silence.

I've been onto my bank today as I paid via Visa Debit and their dispute team seems to be suggesting that 'Visa Regulations' state that a used car is "sold as seen" (irrespective of what any law says) and would be very unlikely to be issued a chargeback. I was told I'd need to have a Independent Report (which the diagnostic would count) but that it would be so unlikely that I'd be better off contacting Citizens Advice and going down the legal action route.

Surely this can't be right? I know the Visa regulations are as rare as hens teeth to get hold of, but 'voluntary' or not, a faulty good is a faulty good. If there's proof to back it up I'm not sure what the issue is? Surely it'll fall under Visa reason code 53?

Anyone with a bit more knowledge care to shed some light? Is my bank talking absolute garbage?

Thanks! :money: