Who Communicates with Who? 6 April at 11:22AM in Reclaim Bank & Credit Card Charges 3 replies 74 views

Kipper22

Hi,

I have opened a credit dispute with TSB against a windows and doors company who have provided us with a terrible service and then failed to turn up multiple times to rectify issues. Long story short I wondered who communicates with who? TSB said they will raise it with the companys bank however, I have just recieved a email from the windows company basically threatening legal action if we dont let them in to rectify the issues. Can they do this???

I put in writing to them previously (after 4 visits from them and 3 no shows when they were booked) that if it couldnt be fixed we would raise the dispute. They booked a date to fix it, then failed to turn up.

We personally feel they have had enough chances and no longer want to give up anymore of our time/holiday/work time to deal with them. 

Where do I stand? Do I have to let them in?Can they threaten me directly or should they now be communicating between the banks?

Many thanks

Farfetch

TSB will have initiated a chargeback against the firm, hence they have been told by their bank that the money is being taken back, hence legal action threat. You should probably speak to someone like citizen's advice but you might have to allow the firm to rectify it but you might need to be careful with this as you can't have a 100% chargeback if you have had a service, but there are snags

Kipper22

Thankyou for your reply. The company have now upped the threats and apparently will refer me to their solicitors and debt collection service. As far as I am aware we are waiting for a responce from their bank as to how to proceed. How can they threaten with debt collection when a dispute is still ongoing?

Farfetch

Kipper22 said:

Thankyou for your reply. The company have now upped the threats and apparently will refer me to their solicitors and debt collection service. As far as I am aware we are waiting for a responce from their bank as to how to proceed. How can they threaten with debt collection when a dispute is still ongoing?

You said you've "initiated a credit dispute" - if by that you mean you did a chargeback, that means your bank takes the money back from their bank leaving them out of pocket, so logically they are unhappy and threatening you with debt collectors as you've had their service (even if it was shoddy) AND now have all your money back