Credit card refund problems

john.h

It wasn’t free, we had paid the deposit on another credit card which we never got refunded which was 25%. It’s just irritating that they can ignore me for months when I complain, but as soon as they want paying they are straight in touch with me.. 

bradders1983

Of course, but nothing stopping you dragging your feet also. Once they send you the Letter Before Action, pay them on the final day possible.

born_again

MattMattMattUK said:

It does not matter if the repairs were conducted by the manufacturer or the store, you now effectively have a carpet for free, it will need to be paid for. If you paid the manufacturer for the repair they you may be able to claim that amount back from the store, but if you did not pay then the full amount would still be due. 

The 45 days is 45 days, but the matter does not still end there, that us just for them to challenge the charge back. You still owe the money, their next move will be either debt collection via a debt collector, or to obtain a CCJ, which they will in all probability win.

Contact your card provider, explain to them what had happened, they can reverse the charge back.

A chargeback can only be contested by the retailer. A CC can not reverse a chargeback.

Given the OP has said refund was 17/09 then the 45 days to contest has passed. So sounds like retailer did not contest chargeback. So nothing the CC could do. But I would contact CC, just to make sure it has not been contested and it has not been picked up yet do the the number of chargebacks.
But just who got the manufacture involved? And just why do they want paying?
Or was the carpet purchased from the manufacture & not a shop?

john.h

The shop must of contacted the manufacturer to get the repair done. They may have done this when they seen my  credit card company had refunded me. 

MattMattMattUK

john.h said:

The shop must of contacted the manufacturer to get the repair done. They may have done this when they seen my  credit card company had refunded me. 

Or they could have requested this when you originally complained, but due to Covid delays in the process happened. 

Normally I give very little as excuses for bad service, but I understand that a lot of things that require an in-person service can be delayed a lot.

Either way you owe the balance 75%, it is in your own interest to settle this sooner rather than later.

john.h

MattMattMattUK said:

john.h said:

The shop must of contacted the manufacturer to get the repair done. They may have done this when they seen my  credit card company had refunded me. 

Or they could have requested this when you originally complained, but due to Covid delays in the process happened. 

Normally I give very little as excuses for bad service, but I understand that a lot of things that require an in-person service can be delayed a lot.

Either way you owe the balance 75%, it is in your own interest to settle this sooner rather than later.

They could of told me they had contacted the manufacturer, instead of not replying to emails and fobbing me of when I phoned them. 

MattMattMattUK

john.h said:

They could of told me they had contacted the manufacturer, instead of not replying to emails and fobbing me of when I phoned them. 

They could have, the person you spoke to might not have known, possibly with lack of ongoing work and much of the workforce furloughed they might have been struggling, no one will likely ever know exactly what went on.

Regardless of any of that, you owe the balance, it is likely their next step if you fail to pay will be debt collectors and/or obtaining a CCJ, so again, it is in your own interest to settle the balance.

Chino

MattMattMattUK said:

but if you did not pay then the full amount would still be due.

Well, that's not the case.
The OP paid for a defect-free carpet but instead received a defective carpet which put the OP to considerable trouble and inconvenience.
So no, the "full amount" is not due because the OP needs to deduct whatever sum they feel is due for the trouble and inconvenience the merchant's delivery of a sub-standard carpet put them to.

MalMonroe

john.h said:

It wasn’t free, we had paid the deposit on another credit card which we never got refunded which was 25%. It’s just irritating that they can ignore me for months when I complain, but as soon as they want paying they are straight in touch with me.. 

It's only been three months from the start to now. I think that's pretty good to have such a quick response of a refund like that. But I'd contact the credit card company by phone. Because you do have the carpet and you also have a refund. Which doesn't seem quite right, somehow. 

MattMattMattUK

Chino said:

MattMattMattUK said:

but if you did not pay then the full amount would still be due.

Well, that's not the case.
The OP paid for a defect-free carpet but instead received a defective carpet which put the OP to considerable trouble and inconvenience.
So no, the "full amount" is not due because the OP needs to deduct whatever sum they feel is due for the trouble and inconvenience the merchant's delivery of a sub-standard carpet put them to.

That is not how consumer law works.