Faulty Product - LLoyds Pharmacy ignoring contact

Manxman_in_exile

The OP hasn't said, but assuming there is some kind of fault that means there has been a breach of contract, shouldn't they just ask their bank for a chargeback if Lloyds are playing hard to get?

(I'm not particularly keen on chargebacks as the rules seem too arbitrary and daft, but the OP has no choice if a debit card.  And it's approaching 6 months from purchase...)

tightauldgit

Manxman_in_exile said:

The OP hasn't said, but assuming there is some kind of fault that means there has been a breach of contract, shouldn't they just ask their bank for a chargeback if Lloyds are playing hard to get?

(I'm not particularly keen on chargebacks as the rules seem too arbitrary and daft, but the OP has no choice if a debit card.  And it's approaching 6 months from purchase...)

Wouldn't the bank want to know that you've contacted the retailer and hear their response though? I'm not sure I would recommend a chargeback before they simply make a trip to the store. 

born_again

Chargeback for faulty has to be faulty when received. NOT on a fault developed later.

Manxman_in_exile

tightauldgit said:

Manxman_in_exile said:

The OP hasn't said, but assuming there is some kind of fault that means there has been a breach of contract, shouldn't they just ask their bank for a chargeback if Lloyds are playing hard to get?

(I'm not particularly keen on chargebacks as the rules seem too arbitrary and daft, but the OP has no choice if a debit card.  And it's approaching 6 months from purchase...)

Wouldn't the bank want to know that you've contacted the retailer and hear their response though? I'm not sure I would recommend a chargeback before they simply make a trip to the store. 

I wouldn't disagree with you but it sounds like the OP can provide ample evidence that they've tried to do so but Lloyds won't answer.

The OP hasn't explained (I don't think?) whether bought instore or online, but I agree that they could try complaining instore (assuming it's convenient) and see if that gets anywhere.  But if - for whatever reason (inconvenience or it was bought online) - the OP can't visit a store then I'd try a chargeback and explain to the bank that I can't get through to Lloyds or visit a store.

Not that I think that chargeback is particularly "fit for purpose" itself.  Anything that won't allow a claim if there is proof of delivery (even if it's proof of delivery to the wrong address!) is about as much use as a chocolate teapot.

If buying anything >£100 use a credit card every time.  And if the trader won't accept a credit card, go somewhere else.

photome

SavvySaver24 said:

It's not as easy as going into a store as they've closed down our local one in Sainsburys so it's now a 30 minute drive.

thats an hour of your time and about a fiver in fuel, isnt that better than all the frustration you have encountered?

do you ever go that way and call in when you do

SavvySaver24

I bought it online not in store.

I phoned the bank who told me because it wasn't immediately faulty I can't do a chargeback? Is this true?

They also told me I should contact the manufacturer for a refund not Lloyd's - i tried to explain that seems bonkers as the manufacturer isn't the one who took the money from me. But that's why I'm doubting if what she told me about the chargeback is even true?

born_again

SavvySaver24 said:

I bought it online not in store.

I phoned the bank who told me because it wasn't immediately faulty I can't do a chargeback? Is this true?

They also told me I should contact the manufacturer for a refund not Lloyd's - i tried to explain that seems bonkers as the manufacturer isn't the one who took the money from me. But that's why I'm doubting if what she told me about the chargeback is even true?

As I said @ 18 April at 1:10PM
It is correct.

tightauldgit

SavvySaver24 said:

I bought it online not in store.

I phoned the bank who told me because it wasn't immediately faulty I can't do a chargeback? Is this true?

They also told me I should contact the manufacturer for a refund not Lloyd's - i tried to explain that seems bonkers as the manufacturer isn't the one who took the money from me. But that's why I'm doubting if what she told me about the chargeback is even true?

Well there's probably a manufacturer's warranty on it so in theory they should help you, but I imagine they would say return it to the store where you bought it. 

eskbanker

SavvySaver24 said:

I purchased an electrical item that cost over £100 back in November...

Just to add to the above discussion about chargeback, even if a claim for a faulty item could be raised beyond initial inspection, it's now beyond the 120 day chargeback window anyway, so it would fail on that too....

Manxman_in_exile

eskbanker said:

SavvySaver24 said:

I purchased an electrical item that cost over £100 back in November...

Just to add to the above discussion about chargeback, even if a claim for a faulty item could be raised beyond initial inspection, it's now beyond the 120 day chargeback window anyway, so it would fail on that too....

Thanks.  I knew there was a time limit but for some reason I thought it was 180 days so that OP would still qualify.  Plus they hadn't used a credit card.

(My excuse is I think chargeback is rubbish, so I try to know as little about it as possible...   )