Chargeback- Trader changed written terms and i pointed out. Now they are ghosting me

Tree10

Thanks to all. It is difficult to come to terms with this, as i believed the advice from Consumerline, that Chargeback was the answer to my issue. 
It is also hard to get my head around it. Everyone that applies for chargeback has a dispute, otherwise they would be happy with the goods and not looking for the money back. you are also supposed to try to resolve things with the company first. You can see a lot of posts of chargeback about people who have breach of contracts (did not arrive on time, or ghosting) complain first to the seller, communication breakdown is then apply for a chargeback and get it. 
I have being told that if the company goes into administration, small claims cannot do anything to recover money (Owner has 6 companies with similar names over the last 10 years). i am also very anxious about going to court and have this at the back (or front!) of my mind for a year or more.

eskbanker

Tree10 said:

Thanks to all. It is difficult to come to terms with this, as i believed the advice from Consumerline, that Chargeback was the answer to my issue. 
It is also hard to get my head around it. Everyone that applies for chargeback has a dispute, otherwise they would be happy with the goods and not looking for the money back. you are also supposed to try to resolve things with the company first. You can see a lot of posts of chargeback about people who have breach of contracts (did not arrive on time, or ghosting) complain first to the seller, communication breakdown is then apply for a chargeback and get it.

Unfortunately the devil is in the detail, and chargeback is a non-statutory scheme with its own rules, which aren't particularly clear to the lay person, so it remains critically important to identify the exact grounds on which a chargeback can be raised, given its unrepeatable nature - as covered already, it's not for 'breach of contract' as such but a variety of specific use cases.

Your independent consumer advice service might not be familiar with its intricacies - did they offer any advice about this in writing?

Tree10 said:

I have being told that if the company goes into administration, small claims cannot do anything to recover money (Owner has 6 companies with similar names over the last 10 years). i am also very anxious about going to court and have this at the back (or front!) of my mind for a year or more.

Yes, there's a significant difference between establishing in court that a company owes you money and actually seeing that money after enforcement of the judgment, so if you've established some history of collapsing companies and phoenixing then you're right to be sceptical.

Tree10

Thank you. The annoying thing is that my husband had a credit card but did not use it because the debit card was at hand at the time. 
Consumerline advice was over the phone, but is ok, they probably didnt know the difference and i dont think it makes much difference (other than to my crushed expectations XD ).

Maybe im just too negative today but dont even see the point in spending 155 to make a small court claim (this is what it would cost me). i wouldn't be very good at representing myself either.