Does this fall under section 75?

Rebecca0406

Thanks for the advice everyone. 

As advised by the bank I have submitted the section 75 claim and also issued a letter before action to the trader. 

I will update when I hear anything back. 

DullGreyGuy

the_lunatic_is_in_my_head said:

DullGreyGuy said: certainly some customers would be happy to see their bank spending £5,000 for something to be fixed and be unaware of the £2,000 rebate received 9 months later than seeing their bank cheaped on the repairs having them done for £3,000

If the customer is seeking a repeat performance from the bank under their consumer rights I don't think it is the business of the consumer to even be aware of the costs. The consumer is simply entitled to the service to conform to the contract, whether the bank hires the biggest landscaping firm in the country for £20k or some bloke call Dave for £3k shouldn't matter to the consumer as long as in the end (whilst noting time/inconvenience) the service conforms.   

You haven't dealt directly with the general public/customers in a long time have you @the_lunatic_is_in_my_head? 

The problem isnt the "in the end", its the before the repeat performance commences where customers are told who'll be doing the work, look up Dave on TrustPilot or speak to the bloke down the pub who says how shoddy Dave's work was according to their neighbours friends, 2nd cousins dog walker etc. They therefore insist that only the biggest landscaping firm has got the skills to do the job. 

It's why we also have the phrase "reassuringly expensive". Show the same work to people, who dont have to contribute to the cost, and tell them it cost £10k and almost certainly they will say its of a higher standard than if you tell them it cost £5k. When people have other pay for it themselves the matter is different. 

Our call centre spend half their time convincing customers that the bodyshop will repair it as well as a BMW garage etc, which is often true because most of the big mark garages outsource bodywork to the same shop as we are proposing.

Rebecca0406

Does anyone know do I have to wait for the dispute result to pay someone to fix the issues?

Barclaycard have advised that it can take up to 12 weeks for a result. As the report states my home is at risk of damp due to the work that is a long time to leave it especially with it being so wet at the moment. 

If I pay someone to fix it will Barclays reimburse me later or do I have to wait to decide what they want to do?

sheramber

If Barclays haven't agreed to your requested amount you don't know how much they will pay out  or to whom. They may want o pay the new contractor direct.

The best people to ask are Barclays.

born_again

Rebecca0406 said:

Does anyone know do I have to wait for the dispute result to pay someone to fix the issues?

Barclaycard have advised that it can take up to 12 weeks for a result. As the report states my home is at risk of damp due to the work that is a long time to leave it especially with it being so wet at the moment. 

If I pay someone to fix it will Barclays reimburse me later or do I have to wait to decide what they want to do?

Would that not be something for house insurance?

the_lunatic_is_in_my_head

Risk of damp should be minimal OP, in the off chance there were consequences from Barclays dragging their feet you'd have to claim the cost of remedying those as damages from Barclays also. 

DullGreyGuy said:

You haven't dealt directly with the general public/customers in a long time have you @the_lunatic_is_in_my_head? 

The problem isnt the "in the end", its the before the repeat performance commences where customers are told who'll be doing the work, look up Dave on TrustPilot or speak to the bloke down the pub who says how shoddy Dave's work was according to their neighbours friends, 2nd cousins dog walker etc. They therefore insist that only the biggest landscaping firm has got the skills to do the job. 

It's why we also have the phrase "reassuringly expensive". Show the same work to people, who dont have to contribute to the cost, and tell them it cost £10k and almost certainly they will say its of a higher standard than if you tell them it cost £5k. When people have other pay for it themselves the matter is different. 

Our call centre spend half their time convincing customers that the bodyshop will repair it as well as a BMW garage etc, which is often true because most of the big mark garages outsource bodywork to the same shop as we are proposing.

Yes I guess but other than moaning at the bank what can the customer do? They could raise a complaint but I'm assuming the ombudsman is going to side with the bank as long as everything is remedied in the end?