Credit card refund refused after unfulfilled contract.

unholyangel

wealdroam wrote: »

Is The Financial Ombudsman Service able to consider a "complaint" about a credit card company refusing to provide a refund because the "service provider" has become insolvent?

Surely it doesn't matter who that service provider is, does it?

If an additional card holder has the right to chargeback then OP could go to ombudsman about the card company. They could also appeal to the ombudsman about the banks decision not to pay out on a section 75 claim due to them not being the main cardholder but I have reason to believe the ombudsman would reject the section 75 claim also as they have previously stated the required chain (debtor > creditor > supplier) is broken when considering additional cardholders.

[Deleted User]

unholyangel wrote: »

If an additional card holder has the right to chargeback then OP could go to ombudsman about the card company.

That's not what you were referring to at post#9, of course.

unholyangel

Moneyineptitude wrote: »

That's not what you were referring to at post#9, of course.

No it was not - #9 was (for the sake of clarity) referring to making a complaint about the company who sold him the product rather than the card company/creditor who financed it.

But as I said in my earlier post (#6), I'm not entirely sure how fruitful complaining to the ombudsman would prove if the company have collapsed.

[Deleted User]

unholyangel wrote: »

I'm not entirely sure how fruitful complaining to the ombudsman would prove if the company have collapsed.

It won't be fruitful at all if the thread is (as I suspected all along) about a failed Claims Management Company. It's a different regulator (Legal Ombudsman rather than the Financial one) for a start.

No real point carrying on with this discussion until the OP clarifies exactly what was actually purchased.