DOA Cross Trainer

Qwiksilver

Thank you for the explanation. I thought chargeback was debit card related and section 75 was credit card related. I am a hairy arsed construction worker so not the brightest bulb in the chandalier!

Will provide an update when I have one.

Thanks again all who assisted.

Manxman_in_exile

born_again said:

Qwiksilver said:

born_again said:

I can't see S75 getting anywhere as the bank will want to do a chargeback 1st for faulty goods, but for that either the goods have to be back with the retailer, or you need proof that they will not take them back.

So you are saying i should not have made a section 75 claim?

Bank will decide the best way forward.
Given S75 payouts come from the bank, not retailer & chargebacks funds come from retailer. Bank will come back to you with the way forward.
I would also say given the short timeframe involved the bank will be wanting to wait and see what the retailer does.

So you have not done anything wrong. Not everyone knows about chargebacks (much quicker) and it is down to bank staff to advise you of the best course of action.👍

Don't want to be a pain (I know you know a lot about s75 and chargebacks!) but if a customer tells their bank that they want to make a s75 claim - and the claim is a valid one - can the bank simply refuse and say that they will do a chargeback instead?

s75 is a statutory right - if the customer says that is what they want, how can the bank say no?

(I understand your point that a chargeback may be quicker, but ignore that for the time being.  I'm sure there are other circumstances where s75 is more advantageous to the customer than a chargeback.  eg I think you've pointed out before that a chargeback is not possible where goods have been delivered - even though they've been delivered to someone other than they should have been... )

I'm also sure I've read other threads here where people think they've made a s75 claim but the bank has proceeded with a chargeback instead - without telling them.  The chargeback has then failed and the customer is not aware that they may still have a s75 remedy because they thought that was what they were doing anyway.

born_again

Manxman_in_exile said:

Don't want to be a pain (I know you know a lot about s75 and chargebacks!) but if a customer tells their bank that they want to make a s75 claim - and the claim is a valid one - can the bank simply refuse and say that they will do a chargeback instead?

@Manxman_in_exile
Not being a pain at all

It's not a refusal as such, as bank will do what is best for the customer. Chargeback is a lot quicker, and if it fails it would then migrate onto a S75 claim. 
Even amongst long standing staff. S75 is not something that you can say Yes or No on the back of a call. As it requires physical evidence & are usually looked at by a separate team. TBH, there is no such thing as a straight forward S75 case. Front line will assess the case & if a chargeback is the best option & will tell the customer that, explaining why, as well as. If it fails then S75 will look at it. If not they will be told what they need to send in for a S75 claim.

As per OP's comment. A lot of people do not know that chargeback apply to both cards (and why should they) all they need to know is if the bank can help them. 
Too many people simply see S75 via the web & think that is all I need to say to get it sorted. Sadly not.

mattyprice4004

Qwiksilver said:

Is it possible to give them a timeframe before disposal  as I need the space for the new one I will purchase once I receive my money back.(for clarity I do not want it. It does not work and therfore worthless)

You need to be careful, as while it's worthless to you they certainly won't view it that way (with the part and knowledge, they could probably have it up and running in a few minutes). 
I'd hold fire and await instructions from the bank for now.