Chargeback on debit card for criminal builder

ItsComingRome

Bailey33 said:

They will and have helped a lot of people get their money back, read the cases on their website, otherwise please don't say that I am stuffed.

No, they won't.  I'm fully aware of how the FOS operates.  They will not force the bank to reimburse the customer out of their own pockets over a bank transfer to a shoddy tradesperson.

If it was paid by debit card the bank will be happy to do a chargeback if you're eligible but as I said, it doesn't sound like you paid by debit card. No "criminal" tradesperson worth their salt would take a card payment.

[Deleted User]

If you paid him by cheque, cash or directly into his account via the account number/sort code then your come-back will be limited. 

Can you clarify how paid him? 

Bailey33

I paid him from my online banking, and he was standing over me when I did it.  He is a criminal and I am frightened he will come back

[Deleted User]

Bailey33 said:

I paid him from my online banking

Which brings us all the way back round to the very first reply.

No chargeback, no s75.

ItsComingRome

Bailey33 said:

I paid him from my online banking, and he was standing over me when I did it.  He is a criminal and I am frightened he will come back

Then call the police.

Bailey33

I already have a harassment order out against him, and a crime number, but trading standards are investigating him, as he is known to them

MalMonroe

Bailey33 said:

I have had building work done that cost me £12,500, and have since found out that the builder is a criminal and has a record of conning people out of money.
Now the building work has started leaking water, obviously we have been told a wall should have drainage holes, ours has not, plus the job isn't finished, and we will have to claim off our insurance.
I have made a complaint to trading standards and because the builder kept coming back for more money, I had to let the police know, and he is forbidden to come to my door or ring me.  The money that I paid out was my retirement lump sum and it was for building work that my home needs to keep it in good condition.
Could I get my money back through Section 75 Chargeback, has anyone tried this.  
I paid it into his personal account, but I had no choice as he wouldn't even move the rubbish or tarmac the driveway.  It has left us with absolutely nothing to repair the house or repair the job that he messed up.

Hi, coming at this from a different angle, have you managed to get some quotes for putting right what is wrong? That is to say, you do need someone professional to come and inspect and advise exactly what work is good and what isn't and what exactly needs repairing. You will not be able to claim for anything if you don't have any details of what exactly to claim for. You may not be able to claim for the whole amount if some of the work is viable but I do honestly believe that you may be able to get some help from the Financial Ombudsman. You can complete a form on their website, costs nothing - only your time.

Rather than spending time arguing on this site about whether or not you're stuffed (which only makes you feel worse, obviously), that'd be something that may reap better rewards for you.

I'm a great believer in not giving up before you've tried everything. I have successfully used Section 75 in the past when a credit card purchase turned out to be a load of rubbish - it did take some time but it was worth it - but your case is not eligible since you paid by bank transfer. It doesn't mean that all is lost. And you're right, you're not stuffed yet.

Do start your Financial Ombudsman application as soon as possible though because they have a backlog and these things usually do take time so it may take longer. But if you don't give up, you could very well get something back. 

ItsComingRome

MalMonroe said:

Bailey33 said:

I have had building work done that cost me £12,500, and have since found out that the builder is a criminal and has a record of conning people out of money.
Now the building work has started leaking water, obviously we have been told a wall should have drainage holes, ours has not, plus the job isn't finished, and we will have to claim off our insurance.
I have made a complaint to trading standards and because the builder kept coming back for more money, I had to let the police know, and he is forbidden to come to my door or ring me.  The money that I paid out was my retirement lump sum and it was for building work that my home needs to keep it in good condition.
Could I get my money back through Section 75 Chargeback, has anyone tried this.  
I paid it into his personal account, but I had no choice as he wouldn't even move the rubbish or tarmac the driveway.  It has left us with absolutely nothing to repair the house or repair the job that he messed up.

Hi, coming at this from a different angle, have you managed to get some quotes for putting right what is wrong? That is to say, you do need someone professional to come and inspect and advise exactly what work is good and what isn't and what exactly needs repairing. You will not be able to claim for anything if you don't have any details of what exactly to claim for. You may not be able to claim for the whole amount if some of the work is viable but I do honestly believe that you may be able to get some help from the Financial Ombudsman. You can complete a form on their website, costs nothing - only your time.

Rather than spending time arguing on this site about whether or not you're stuffed (which only makes you feel worse, obviously), that'd be something that may reap better rewards for you.

I'm a great believer in not giving up before you've tried everything. I have successfully used Section 75 in the past when a credit card purchase turned out to be a load of rubbish - it did take some time but it was worth it - but your case is not eligible since you paid by bank transfer. It doesn't mean that all is lost. And you're right, you're not stuffed yet.

Do start your Financial Ombudsman application as soon as possible though because they have a backlog and these things usually do take time so it may take longer. But if you don't give up, you could very well get something back. 

Even IF the FOS would do anything here (they won't) why on earth are you advising them to faff around with the FOS before they've even asked the bank to help them out?  Seems a bit OTT to make a complaint about the bank before they've even spoken to them, doesn't it?

And did you even read the OP's post?  What is this about you using S75?  We've already ascertained that the OP made a bank transfer, they're not covered by S75.

Bailey33

I have sent a letter and got a reply on Saturday, to say they couldn't help, so will probably have to see if the trading standards will prosecute and get compensation from him, through the courts.
We did have to spend money on a drain specialist who came out and did a report.  
Thank you 

ItsComingRome

Bailey33 said:

I have sent a letter and got a reply on Saturday, to say they couldn't help, so will probably have to see if the trading standards will prosecute and get compensation from him, through the courts.
We did have to spend money on a drain specialist who came out and did a report.  
Thank you 

If trading standards prosecute him you'll almost certainly have to start your own civil action to recover the funds.

You might want to start doing that now, although bear in mind these people know what they're doing, and are quite good at evading enforcement action by the courts.