HSBC - Section 75 doesnt cover our OPB with debit card payment???????????

DullGreyGuy

Why not do a chargeback on the debit card? It will be much quicker and less painful than a S75 via the credit card

born_again

DullGreyGuy said:

Why not do a chargeback on the debit card? It will be much quicker and less painful than a S75 via the credit card

Op mentioned that they had their current acc details for refund. In effect they should have OP debit card details.
As only chargeback here is going to be non receipt of refund. Which requires, date of refund, amount & last 4 of card number. So in effect a receipt like you would get at shop.

A fun one 

I taking this that the OP cancelled the sale (under retailers 14 days timeframe) due to not liking car & not that this was a faulty car.

sedge1997

HSBC said chargeback cannot be done.

We returned the car under the retailer's 14 day timeframe (they say we don't even need a reason anyway).

The car was not faulty, they led us to believe that it had full service history but wouldn't let us see the documents.  We were assured that there was a three year (from manufacture of car) manufacturer's warranty.  Only when we bought the vehicle did Vauxhall confirm that it had never been serviced so the warranty was not valid at all.  This now meant that we only had three month's warranty on the car which had already had a new clutch fitted (it is 72 plate, 9000 miles).

Their 14 day money back guarantee states:

'If you decide the car you've bought isn't right for you, then you can return it and get your money back within the first 14 days.'

We understand that they cannot start the process until they get the V5 from us, but they got that on 8th April which is why they agreed all the refunds on 9th April, but only partially refunded (the small credit card amounts).

They have all our details, as they took the payments and I have confirmed them by separate emails.

Has anybody got any experience of refunds from Carstore?

sedge1997

Tried a different approach.  Found another email for a department in Car Store where 'Reputation Executives' work.  Sent email and got a reply straight away.  They said they would contact the store I had been dealing with and within 1 hour I had a very polite reply (from the person I had spoke to on the phone who had been rude and arrogant amongst other thing) apologising and said the payment had failed and it would be resent. 

Guess what, had they payment the following day (today).

Still concerned that HSBC gave me the wrong answer regarding my claim so may contact them to clarify the situation for the future.

 Thanks to you all for helping me.