Chargeback or Section 75 claim

Idpullthecurtain

Looking for advice or thoughts?  Thanks

I bought an item, and its been received incomplete.

Does anyone have experience of Halifax Mastercard (or any credit cards) and trying to recover money?  

I have contacted retailer and asked them to collect the item.  But before I send it back to them,  Im worried they will dispute and argue that the item was complete.  It was for £810 and I cant afford to lose out on that money. TIA

km1500

the first question is how did you buy it was it online or did you go to a shop to buy it

CliveOfIndia

In what way was it incomplete?  You need to get the supplier to confirm they're happy for you to return the item, and that they will issue a refund.

A chargeback or S75 can only be requested when the supplier has breached the terms of their contract with you - so you need to try and resolve the issue with the supplier in the first instance.

Generally a card issuer will prefer a chargeback, since a successful S75 claim means they'll be paying you out of their own pocket, rather than getting the supplier to refund you.

Idpullthecurtain

km1500 said:

the first question is how did you buy it was it online or did you go to a shop to buy it

It was bought online.  Retailer is dismissive and isnt resolving. 

DullGreyGuy

Idpullthecurtain said:

Looking for advice or thoughts?  Thanks

I bought an item, and its been received incomplete.

Does anyone have experience of Halifax Mastercard (or any credit cards) and trying to recover money?  

I have contacted retailer and asked them to collect the item.  But before I send it back to them,  Im worried they will dispute and argue that the item was complete.  It was for £810 and I cant afford to lose out on that money. TIA

With most banks you "raise a dispute" and they will choose if to initially process it as a chargeback or S75 claim with a strong favour towards the former unless you are beyond the timelimits for it. 

For a chargeback, assuming it's a single item and therefore the missing part cannot be priced separately, you will have needed to return the goods and allowed the merchant reasonable time to refund before a claim will possibly be successful. 

Idpullthecurtain

CliveOfIndia said:

In what way was it incomplete?  You need to get the supplier to confirm they're happy for you to return the item, and that they will issue a refund.

A chargeback or S75 can only be requested when the supplier has breached the terms of their contract with you - so you need to try and resolve the issue with the supplier in the first instance.

Generally a card issuer will prefer a chargeback, since a successful S75 claim means they'll be paying you out of their own pocket, rather than getting the supplier to refund you.

Large boxed item, upon opening some parts are missing.
Retailer is dismissive, just apologises, says parts are no longer available.  Issued me a tiny refund of 3% of total item.
Ive been messaging multiple times for over a month now.
Ive informed them its available for them to arrange collection, since item is not as described.  Wasnt aware retailer had to be happy about return.  I thought they have little choice.

CliveOfIndia

Idpullthecurtain said:

CliveOfIndia said:

In what way was it incomplete?  You need to get the supplier to confirm they're happy for you to return the item, and that they will issue a refund.

A chargeback or S75 can only be requested when the supplier has breached the terms of their contract with you - so you need to try and resolve the issue with the supplier in the first instance.

Generally a card issuer will prefer a chargeback, since a successful S75 claim means they'll be paying you out of their own pocket, rather than getting the supplier to refund you.

Wasnt aware retailer had to be happy about return.  I thought they have little choice.

Sorry, what I meant by that was in reference to your initial worry "Im worried they will dispute and argue that the item was complete".  I was just meaning that the simplest resolution is to get them to agree that the fault lies with them, and that if you return it they will issue a refund.

If they're not playing ball then yes, raise a dispute with your card issuer.  It sounds like you've already tried to resolve the issue with the supplier, so either a chargeback or S75 claim is the next logical step.

Nasqueron

On your general question, albeit different circumstances, I ordered a t-shirt from a legitimate shop, order placed fine and emails received etc, then nothing. Chased shop a couple of times by email and their contact form but no response. Eventually gave up and did a chargeback, Halifax refunded the amount and seller never disputed it

born_again

Idpullthecurtain said:

CliveOfIndia said:

In what way was it incomplete?  You need to get the supplier to confirm they're happy for you to return the item, and that they will issue a refund.

A chargeback or S75 can only be requested when the supplier has breached the terms of their contract with you - so you need to try and resolve the issue with the supplier in the first instance.

Generally a card issuer will prefer a chargeback, since a successful S75 claim means they'll be paying you out of their own pocket, rather than getting the supplier to refund you.

Large boxed item, upon opening some parts are missing.
Retailer is dismissive, just apologises, says parts are no longer available.  Issued me a tiny refund of 3% of total item.
Ive been messaging multiple times for over a month now.
Ive informed them its available for them to arrange collection, since item is not as described.  Wasnt aware retailer had to be happy about return.  I thought they have little choice.

You will need to prove what was ordered & what arrived.
As incomplete, if is a possible partial chargeback for this, if each item ordered is priced separately.

Is this a UK retalier (website?) .co.uk does not mean they are UK retailer.

Idpullthecurtain

CliveOfIndia said:

Idpullthecurtain said:

CliveOfIndia said:

In what way was it incomplete?  You need to get the supplier to confirm they're happy for you to return the item, and that they will issue a refund.

A chargeback or S75 can only be requested when the supplier has breached the terms of their contract with you - so you need to try and resolve the issue with the supplier in the first instance.

Generally a card issuer will prefer a chargeback, since a successful S75 claim means they'll be paying you out of their own pocket, rather than getting the supplier to refund you.

Wasnt aware retailer had to be happy about return.  I thought they have little choice.

Sorry, what I meant by that was in reference to your initial worry "Im worried they will dispute and argue that the item was complete".  I was just meaning that the simplest resolution is to get them to agree that the fault lies with them, and that if you return it they will issue a refund.

If they're not playing ball then yes, raise a dispute with your card issuer.  It sounds like you've already tried to resolve the issue with the supplier, so either a chargeback or S75 claim is the next logical step.

Yeah, they are pretty uncooperative and dismissive.  Im actually shocked how dismissive they are.  And that makes me think they will challenge the claim.  That worries me.

Idpullthecurtain

born_again said:

Idpullthecurtain said:

CliveOfIndia said:

In what way was it incomplete?  You need to get the supplier to confirm they're happy for you to return the item, and that they will issue a refund.

A chargeback or S75 can only be requested when the supplier has breached the terms of their contract with you - so you need to try and resolve the issue with the supplier in the first instance.

Generally a card issuer will prefer a chargeback, since a successful S75 claim means they'll be paying you out of their own pocket, rather than getting the supplier to refund you.

Large boxed item, upon opening some parts are missing.
Retailer is dismissive, just apologises, says parts are no longer available.  Issued me a tiny refund of 3% of total item.
Ive been messaging multiple times for over a month now.
Ive informed them its available for them to arrange collection, since item is not as described.  Wasnt aware retailer had to be happy about return.  I thought they have little choice.

You will need to prove what was ordered & what arrived.
As incomplete, if is a possible partial chargeback for this, if each item ordered is priced separately.

Is this a UK retalier (website?) .co.uk does not mean they are UK retailer.

Its a US retailer.
Its 1 product, not multiple.

No problem proving whats ordered.  But thats my issue, proving whats arrived!