When does your 30 day to reject start from?

born_again

neilmcl said:

DB1904 said:

neilmcl said:

born_again said:

Never sure why the dealer is not the one being chased through the courts before S75 is being considered.

Given that S75 funds come from the card company (read other users).

Because the CC company are equally and severally liable as the dealer.

I think born agains point was why should the dealer keep the money when selling a pup and other pay. 

That kind of depends if they actually do in the end or if the CC company then goes after the seller to recover the funds they've paid out.

They don't as it would cost more than claim is worth to take the dealer to court for the funds...

Just because your CC is jointly liable does not mean you should go after then 1st. Tackle the root cause 1st

qwertyasdfgh

Thank you so much for your help. I thought I knew the answers reference when the clock starts ticking regarding ownership but wanted to double check.

 Just writing to the credit card company again now to formally ask them to review the evidence again and reconsider their decision. I’ve also used some of the ideas given to me from this forum.

@ neilmcl – thank you so much for the detailed information you provided.  

The invoice clearly states that I took delivery of the vehicle on the 1st July so I can’t see they really have a leg to stand on but suspect it will be a bit of a game/battle to get them to part with £10,800 which I understand.

 @ born_again. I take your point and in an ideal world I’d love the dealer to feel the pain of what they have done. However, all communication with them has broken down despite offering to work with an independent resolution specialist/ombudsman etc. They are now ignoring my letters, calls etc.

I have threatened to take the dealer to court but given that it is over £10,0000 it isn’t something that can be dealt with by the small claims court. Given the complexity & cost of trying to recover my money from the car dealer it felt more sensible to use the section 75 protection offered by the credit card company. 

I do however hope that they look to recover all the costs from the dealer, and I’d be glad to help them do so if I can.

neilmcl

born_again said:

neilmcl said:

DB1904 said:

neilmcl said:

born_again said:

Never sure why the dealer is not the one being chased through the courts before S75 is being considered.

Given that S75 funds come from the card company (read other users).

Because the CC company are equally and severally liable as the dealer.

I think born agains point was why should the dealer keep the money when selling a pup and other pay. 

That kind of depends if they actually do in the end or if the CC company then goes after the seller to recover the funds they've paid out.

They don't as it would cost more than claim is worth to take the dealer to court for the funds...

Just because your CC is jointly liable does not mean you should go after then 1st. Tackle the root cause 1st

You don't "go after" one or the other party, you proceed against them both at the same time. That's the whole point of them being equally and severally liable.