charge back through credit card

harrys_nan

problem now sorted, thanks for the help

tykesi

You need to make your mind up, either you want to claim on your credit card (it's Section 75 claim, chargeback is for debit cards) or you want an exchange. Which is it?

KeithP

tykesi wrote: »

chargeback is for debit cards...

Chargeback is also for credit cards.

Particularly useful when the purchase price is under £100 where Section 75 of the Consumer Credit Act does not apply.

shaun_from_Africa

tykesi wrote: »

You need to make your mind up, either you want to claim on your credit card (it's Section 75 claim, chargeback is for debit cards) or you want an exchange. Which is it?

That's incorrect.
S75 claims are for credit cards and a chargeback is possible for either credit or debit cards.
The difference is that the S75 process is enshrined in law but a chargeback relies on whatever process the card issuer has in place for these and it is not a legal right.

harrys_nan

I am only asking because the insurers haven't come back to me as yet., I was only asking so I had some info in my head to argue the point if they say I cannot have a replacement

harrys_nan

tykesi wrote: »

You need to make your mind up, either you want to claim on your credit card (it's Section 75 claim, chargeback is for debit cards) or you want an exchange. Which is it?

If they don't agree to a replacement then in an ideal world I would like our money back, is that clear? That's my mind made up.

tykesi

Apologies all for the incorrect info, I didn't realise chargeback could be used on credit cards as well.

harrys_nan wrote: »

If they don't agree to a replacement then in an ideal world I would like our money back, is that clear? That's my mind made up.

Please bear in mind that if they choose to refund, they are within their rights to reduce that refund to take into account the use you've had from the machine.

SuperHan

Isn't there a 120 day limit on a chargeback? Which has now passed?


You're not entitled to a refund under law - you bought pre October 2015, which means the purchase is under the SoGA. The retailer just has to repair, refund or replace - essentially at their discretion. Unfortunately, there's nothing to arm yourself with to demand a replacement or refund.


With regard to fire risk - don't run the dishwasher while you are out (I bet the instructions say something like that anyway) or while you are sleeping. A repair should put it back in to good, safe working condition anyway.

harrys_nan

We don't run it if we are out or in bed,just didn't like the fact he could smell burning. Too many white good fires lately, already had a problem with the tumble dryer, which has been fixed.

theonlywayisup

I hate deleted posts, especially when people have given/offered assistance.

Hi,
does anyone know how long you have to make a claim through charge back on credit card?

We bought a dishwasher in Jan 2015 and had to have the heating element repaired 27th July this year. Th same fault has happened again on Sat 12th August, Repair people came out today and said we cannot use it at all, they need to order some more parts but the worrying thing he said was the insulation is dangerously low, and he can smell burning.
It is insured through domestic and general but I don't want a repair, I want an exchange, there have been too many fires caused by white goods, we leave our dog in the house if we go out for any reason.
Does anyone know what our rights would be?

KeithP

harrys_nan wrote: »

Treat other's how you like to be treated.

That's a good idea.

Why did you delete your opening post after people had taken the time to help you?