Help! Chargeback issue with Lloyds

Jacko2025

Hello everyone!

I purchased a beauty lamp on eBay in February using my credit card. Around 2 months later it had stopped working. I contacted the company through eBay and was asked to send videos etc of it not working which I did, I was then totally ignored.

I contacted Lloyds to discuss a chargeback, the said I needed to go back to the company advising that the item was available for collection and to allow (can’t remember exactly) a few weeks for them to respond.

Nothing happen so back to Lloyds I went to log a chargeback. This was the beginning of May.

Since then I have been back and forth with Lloyds providing evidence of what I have sent to the company but they are now asking me to get and independent report proving the fault.

My understanding was that as the item was less than 2 months old, the burden of proof is with the retailer to do this, not me? What’s more is that Lloyds have said they won’t reimburse me for the report?

Any advice would be grately appreciated!

born_again

Chargeback for faulty, does not cover a product that develops a fault, only faulty when received.

Chargebacks are also over & above your consumer rights. 

So below has nothing to do with the chargeback.
 My understanding was that as the item was less than 2 months old, the burden of proof is with the retailer to do this, not me? What’s more is that Lloyds have said they won’t reimburse me for the report?

S75 is out given it was bought via ebay & you paid ebay.

MattMattMattUK

Jacko2025 said:

Hello everyone!

I purchased a beauty lamp on eBay in February using my credit card. Around 2 months later it had stopped working. I contacted the company through eBay and was asked to send videos etc of it not working which I did, I was then totally ignored.

I contacted Lloyds to discuss a chargeback, the said I needed to go back to the company advising that the item was available for collection and to allow (can’t remember exactly) a few weeks for them to respond.

Nothing happen so back to Lloyds I went to log a chargeback. This was the beginning of May.

Since then I have been back and forth with Lloyds providing evidence of what I have sent to the company but they are now asking me to get and independent report proving the fault.

My understanding was that as the item was less than 2 months old, the burden of proof is with the retailer to do this, not me? What’s more is that Lloyds have said they won’t reimburse me for the report?

Any advice would be grately appreciated!

Chargeback is not applicable because the chain is broken. You did not purchase from eBay, you purchased from a seller on their marketplace, eBay processed the payment, Lloyds paid them, eBay are not a retailer. 

Is the seller on eBay UK based, are they a business seller or a private seller, are they still selling on eBay?

Jacko2025

Thanks for your replies - the item was £55 so been told it wont be covered on the S75. Its a business seller on ebay and are UK based

born_again

MattMattMattUK said:

Jacko2025 said:

Hello everyone!

I purchased a beauty lamp on eBay in February using my credit card. Around 2 months later it had stopped working. I contacted the company through eBay and was asked to send videos etc of it not working which I did, I was then totally ignored.

I contacted Lloyds to discuss a chargeback, the said I needed to go back to the company advising that the item was available for collection and to allow (can’t remember exactly) a few weeks for them to respond.

Nothing happen so back to Lloyds I went to log a chargeback. This was the beginning of May.

Since then I have been back and forth with Lloyds providing evidence of what I have sent to the company but they are now asking me to get and independent report proving the fault.

My understanding was that as the item was less than 2 months old, the burden of proof is with the retailer to do this, not me? What’s more is that Lloyds have said they won’t reimburse me for the report?

Any advice would be grately appreciated!

Chargeback is not applicable because the chain is broken. You did not purchase from eBay, you purchased from a seller on their marketplace, eBay processed the payment, Lloyds paid them, eBay are not a retailer. 

Is the seller on eBay UK based, are they a business seller or a private seller, are they still selling on eBay?

Chargeback does not work in that way. Like S75 does. Where a debtor/creditor link is a must.

Ebay could reject it on the basis they did not supply the goods. But like paypal, they now accept the chargeback & then chase the seller for the funds.

Grumpy_chap

Jacko2025 said:

I purchased a beauty lamp on eBay in February using my credit card. Around 2 months later it had stopped working. 

Hopefully this is not asking the obvious question, but has the bulb gone?

Jacko2025

No bulb is fine as ive tried it in another light, it seems to have no power to it, but the plug is lit up as if it has power