Tough Mudder Refund Rights

DoaM

Doesn't matter ... it's not the total price of all items that matters, it's the individual item price that needs to be >£100 for S75 to apply.

born_again

DoaM said:

Chargeback against whom? The company that was paid and no longer exists?

The fact they are no longer trading makes no difference. A chargeback is made against the amount/company on the statement. 

Or how do you think people get refunds from their banks on all the travel co's & other companies that go bust?

edgex

Tough Mudder UK
https://beta.companieshouse.gov.uk/company/07202563/officers

OCR UK Holdings
https://beta.companieshouse.gov.uk/company/12413755/officers

There's a director in common, & he was a director until just before the administrators turned up.
The Tough Mudder UK accounts, presented in May 2019, state "Tough Mudder Ltd, wholly owned by the parent company Tough Mudder Incorporated..."
Unfortunately TM Inc were put into administration as well.

sheramber

born_again said:

DoaM said:

Chargeback against whom? The company that was paid and no longer exists?

The fact they are no longer trading makes no difference. A chargeback is made against the amount/company on the statement. 

Or how do you think people get refunds from their banks on all the travel co's & other companies that go bust?

  There will be no account to withdraw the money from.

Chargeback doesn't mean there is joint liability on the card company. Claims must be addressed to the bank that provides your debit or credit card, which in turn will put in a request to the merchant's bank.

As a result, you could get your money back from the merchant's bank if the money is there to be recovered.

But, there are no guarantees your bank will be able to recover the money through chargeback,

https://www.which.co.uk/consumer-rights/advice/how-do-i-use-chargeback

A Section 75 claim is different as the card provider is equally liable

 

forgotmyname

Being able to stick your company into administration and then carry on is totally wrong in my eyes.

If a business goes bump all assets should be offered to everyone that is owed something.  Company name
and website etc.  Being sold on to a family member or the family pet for virtually nothing so they can
carry on as if nothing happened..  

A creditor should be able to object to someone buying the name/website etc etc.  OK they can startup again but they wont
have the business already setup ready to go that cost nothing.

Too many threads where companies rip people off and carry on trading.

Whinge button:  OFF

Hermione_Granger

born_again said:

The fact they are no longer trading makes no difference. A chargeback is made against the amount/company on the statement. 

Or how do you think people get refunds from their banks on all the travel co's & other companies that go bust?

Surely a chargeback is as its name suggests, the taking back of the original payment. If the funds are no longer available, how can they be taken back?
According to this website:
https://thechargebackcompany.com/chargebacks/
A chargeback involves the disputed payment being removed from the bank account of the company concerned. 

A chargeback voids a card transaction, withdrawing funds that were previously deposited into the merchant’s bank account and applying credit to the consumer’s card statement.

Chargebacks differ from traditional refunds in one simple way: rather than contact the business for a refund, the consumer goes over the merchant’s head and asks the bank to forcibly remove funds from the business’s bank account. If the bank feels the cardholder’s request is valid, the funds will be removed from the merchant’s account and returned to the consumer.

born_again

sheramber said:

born_again said:

DoaM said:

Chargeback against whom? The company that was paid and no longer exists?

The fact they are no longer trading makes no difference. A chargeback is made against the amount/company on the statement. 

Or how do you think people get refunds from their banks on all the travel co's & other companies that go bust?

  There will be no account to withdraw the money from.

Chargeback doesn't mean there is joint liability on the card company. Claims must be addressed to the bank that provides your debit or credit card, which in turn will put in a request to the merchant's bank.

As a result, you could get your money back from the merchant's bank if the money is there to be recovered.

But, there are no guarantees your bank will be able to recover the money through chargeback,

https://www.which.co.uk/consumer-rights/advice/how-do-i-use-chargeback

A Section 75 claim is different as the card provider is equally liable

 

Perhaps I need to stop doing my disputes job then? 
Never had a chargeback rejected in my (long) time doing the role on the basis that the company is no longer trading.

Ah, Which that lovely consumer (they say protector) rights company yet who charge people different prices for exactly the same product, using a payment method they have campaigned against.....

davidmcn

forgotmyname said:

If a business goes bump all assets should be offered to everyone that is owed something.  Company name
and website etc.  Being sold on to a family member or the family pet for virtually nothing so they can
carry on as if nothing happened..  

A creditor should be able to object to someone buying the name/website etc etc.  OK they can startup again but they wont
have the business already setup ready to go that cost nothing.

That sounds a bit potty. If the company's intellectual property is worth anything, the administrators etc should be getting as much as they can for it, for the benefit of the creditors as a whole. I wouldn't be sure that the company which went bust even owns the rights to the brand anyway.