Car dealer adding 3% for Credit Card use

onlyfoolsandparking

Why would you want your money back?


Have they not provided the service you requested?


If so then this becomes a different matter and the card 'surcharge' becomes secondary. There are always courses of action one can take when not receiving goods/services you have paid for, why are having such problems it doesn't have to be that way.

eddddy

If it's only the deposit you've paid so far, I guess you could pay part of the balance on your credit card - perhaps just a nominal amount.


(... and if it's just a nominal amount, you can decide whether it's worth the hassle of arguing over the 3%.)

buglawton

onlyfoolsandparking wrote: »

Why would you want your money back?

Have they not provided the service you requested?

If so then this becomes a different matter and the card 'surcharge' becomes secondary. There are always courses of action one can take when not receiving goods/services you have paid for, why are having such problems it doesn't have to be that way.

If you read MSE threads passim on the topic of pre ordered cars, plenty of disputes around where the dealer digs in heels. Of course they should be resolved nicely, but Section 75 is the big stick you need to hold so that you can speak quietly.

Pemberton01

Just to report back, I applied to my bank for a Chargeback and am pleased to say it's been granted and the deposit is now back in my account. Thanks again for the helpful advice I originally received.

chattychappy

Pemberton01 wrote: »

Just to report back, I applied to my bank for a Chargeback and am pleased to say it's been granted and the deposit is now back in my account. Thanks again for the helpful advice I originally received.

Well, you might well find it gets re-charged if the dealer disputes it.

From what you've said, you've got no grounds to dispute this transaction.

onlyfoolsandparking

buglawton wrote: »

If you read MSE threads passim on the topic of pre ordered cars, plenty of disputes around where the dealer digs in heels. Of course they should be resolved nicely, but Section 75 is the big stick you need to hold so that you can speak quietly.

But nobody is FORCED into buying goods/services without being given the option to pull out (I'm thinking 14 day cooling off period)


I guess some people just cant deal with the simplest of tasks!

etienneg

onlyfoolsandparking wrote: »

But nobody is FORCED into buying goods/services without being given the option to pull out (I'm thinking 14 day cooling off period)

Wherever did you get that from! There is a 14 day cooling off period for ONLINE purchases. There are other provisions for specific cases (such as salesmen in your own home). But in general if you enter a contract you have NO right to pull out just because you change your mind. Of course, if the other party doesn't stick to their part of the bargain (e.g. the car is not fit for purpose) you can return it for a refund. But on what we've been told so far there are no grounds for the OP to pull out.

Terry_Towelling

Just wondering what grounds were used to make a Chargeback. You need to prepare yourself for the charge to be represented and to actually have a strategy for what you may have to do next.

Did you actually sign a contract with the garage to buy the car? - if not, you may be entitled to your deposit back (in law at least, if not through a Chargeback).

It's also a bit odd that you chose to back out of the deal. If you'd never had the row about the credit card surcharge, you'd have gone through with the deal because it was what you wanted. Why do you not want it now? Is it just the nasty taste left in the mouth after the row, or are you having doubts about the car?

Being kind, I would imagine the dealer is not untrustworthy but simply ignorant of the law change. There is some evidence (in previous threads on this forum) that DVLA is still using 'old' stationery that carries the surcharge warning but I believe their website does not mention it in relation to personal credit card use.

onlyfoolsandparking

etienneg wrote: »

Wherever did you get that from! There is a 14 day cooling off period for ONLINE purchases. There are other provisions for specific cases (such as salesmen in your own home). But in general if you enter a contract you have NO right to pull out just because you change your mind. Of course, if the other party doesn't stick to their part of the bargain (e.g. the car is not fit for purpose) you can return it for a refund. But on what we've been told so far there are no grounds for the OP to pull out.

It was a guess like my earlier guess that some people just cant deal with the simplest of tasks :beer:

Biscuit_Tin

chattychappy wrote: »

Well, you might well find it gets re-charged if the dealer disputes it.

From what you've said, you've got no grounds to dispute this transaction.

Whilst I don't dispute the sentiments of your post, I'm not sure this is how chargebacks work in practise.

I thought chargebacks (as opposed to claims under S75 of a consumer credit act) were only paid when the trader's bank agrees to refund ... and that is usually only when the trader agrees. (unless the trader has gone bust, etc)

This link explains more
http://www.theukcardsassociation.org.uk/individual/chargeback-for-credit-and-debit-card-purchases.asp

It seems the trader would have agreed to refund probably thinking its not worth the hassle of arguing further with the customer over what is arguably a case of buyers remorse. (can't see why else anyone would get so annoyed over what amounts to less than the price of a gallon of fuel over a large, considered purchase - a cost the buyer had worked out a way not to pay anyway)

In any case, the buyer/seller relationship appears to have irretrievably broken down even before the supply of goods. If the trader has found another buyer for the vehicle at the same, or even possibly a higher price, I'm sure they would rather sell to them and secure a happy customer who may then come back again maybe for servicing or eventually another car