Mattress Purchase On CC.

tomxlisa

Bought a new mattress using my credit card but through klarna, I’ve had problems with the mattress which they replaced but the second one is having the exact same problem again but they are not offering to do anything else going forward despite the mattress having a 5 year warranty, I’ve called my credit card company and they say they can get my money back, I did point out it was paid using my card but through klarna and they said it’s still okay as klarna is signed up to the mastercard programme or something like that, they are putting the claim in this week they said it should take around 5 days and should hear for definite if the claim is accepted by today (wednesday) I always assumed the section 75 couldn’t be used if you go through a 3rd party and not direct, or will they be using a different way to get the money back for me?.

Grumpy_chap

tomxlisa said:

Bought a new mattress using my credit card but through klarna, I’ve had problems with the mattress which they replaced but the second one is having the exact same problem again but they are not offering to do anything else going forward despite the mattress having a 5 year warranty, I’ve called my credit card company and they say they can get my money back, I did point out it was paid using my card but through klarna and they said it’s still okay as klarna is signed up to the mastercard programme or something like that, they are putting the claim in this week they said it should take around 5 days and should hear for definite if the claim is accepted by today (wednesday) I always assumed the section 75 couldn’t be used if you go through a 3rd party and not direct, or will they be using a different way to get the money back for me?.

That sounds like chargeback and not S75.
Chargeback is the modern equivalent of stopping the cheque and can be contested or leaves the retailer with other debt recovery options.

What type of problems are the mattresses showing?

tomxlisa

The mattress is defect don’t really want to go into what issues here as no doubt I’ll get a bunch of people telling me it’s fine and I should leave it so that’s not the question here, just wanted to know how the credit card company was gonna deal with this, I assumed it might be a chargeback and not S75.