Refunded twice - do I have to repay it?

Ganga

michael1234 said:

LaHostessAvecLaMostess said:

michael1234 said:

TR were good in the end by refunding you in full However, their communication seemed awful as you were unable to contact them.

If it was me I would mention this to debt chasers and anything else you're not happy about and say because of that you will make a final offer of 80% and pay within 7 days if agreed by Silverman and they agree not to impact your credit reference agency record. Good chance they'll agree and perhaps they'll pick up the phone next time.

Daniels Silverman are debt collectors, not debt buyers so will almost certainly have little to no leeway in negotiating this.  It's not like they have bought the debt for tuppence in the pound.

They also have no ability to report anything to the OPs credit file as this is not a credit or service agreement.  The only way they could impact this is by getting a CCJ against the OP and the OP not paying within 30 days.

Yes that's true they are but they are also the authorised representative and the customer facing side of the debt reovery operation. The OP has the cash and as such are in the driving seat. A modest reduction of 10% would certainly be passed back to Silverman's client who would likely accept (along with a no-impact agreement on the borrower's credit reference history).

Why wouldn't they agree to that? The alternative is a much more costly and long drawn out court process. These are businesses that want to maximise their return. They are not interested in a "Just" outcome. Furthermore, any court might take a dim view of a party who threw out an offer of nearly all that was owed.

Why would it be  " a long drawn out court process " ,if they say pay the outstanding amount or we will mark your credit file as a late payment or even worse could end up with a CCJ.

LaHostessAvecLaMostess

michael1234 said:

LaHostessAvecLaMostess said:

michael1234 said:

TR were good in the end by refunding you in full However, their communication seemed awful as you were unable to contact them.

If it was me I would mention this to debt chasers and anything else you're not happy about and say because of that you will make a final offer of 80% and pay within 7 days if agreed by Silverman and they agree not to impact your credit reference agency record. Good chance they'll agree and perhaps they'll pick up the phone next time.

Daniels Silverman are debt collectors, not debt buyers so will almost certainly have little to no leeway in negotiating this.  It's not like they have bought the debt for tuppence in the pound.

They also have no ability to report anything to the OPs credit file as this is not a credit or service agreement.  The only way they could impact this is by getting a CCJ against the OP and the OP not paying within 30 days.

Yes that's true they are but they are also the authorised representative and the customer facing side of the debt reovery operation. The OP has the cash and as such are in the driving seat. A modest reduction of 10% would certainly be passed back to Silverman's client who would likely accept (along with a no-impact agreement on the borrower's credit reference history).

Why wouldn't they agree to that? The alternative is a much more costly and long drawn out court process. These are businesses that want to maximise their return. They are not interested in a "Just" outcome. Furthermore, any court might take a dim view of a party who threw out an offer of nearly all that was owed.

You have no idea what the client is likely to accept. Given they've already offered a 10% reduction there is no indication, other than pure supposition, that there is any more on the cards than that.

And the OP isn't in the driving seat at all. TR have them bang to rights and would completely nail them in court if it boiled down to it, and as Ganga says it's not a long drawn-out process at all.  They'd be wise to grab the generous reduction with both hands.

superbigal

Seems rather odd the credit card company did not match the refund to the previous claim.  It was the exact amount.
My experience with a similar situation and Nationwide, was that they reversed my successful claim within a couple of days of a very late supplier refund hitting my card.

Sandtree

superbigal said:

Seems rather odd the credit card company did not match the refund to the previous claim.  It was the exact amount.
My experience with a similar situation and Nationwide, was that they reversed my successful claim within a couple of days of a very late supplier refund hitting my card.

Was your claim a S75 or Chargeback?

I'd be surprised for chargebacks if it wasnt all automated given the multiparty involvement. Can see how S75 could slip through the net

superbigal

Sandtree said:

superbigal said:

Seems rather odd the credit card company did not match the refund to the previous claim.  It was the exact amount.
My experience with a similar situation and Nationwide, was that they reversed my successful claim within a couple of days of a very late supplier refund hitting my card.

Was your claim a S75 or Chargeback?

I'd be surprised for chargebacks if it wasnt all automated given the multiparty involvement. Can see how S75 could slip through the net

To be honest no idea.  Just phoned up Nationwide explaing and ended up showing proof that supplier should be refunding.  They simply refunded me but it did not show whether S75 or chargeback.  My statements just show Disputes and Disputes reversal.