Charge back

sithmaster

Hi all I contacted my credit card company to do a section 75 a few months following a garage door installation.

The door was installed poorly, unsafe and unfinished.

The company has many opportunities to rectify the issue and I issued a letter before action via email two weeks before I raised the depute however all attempts were ignored.

The credit card decided to do a Mastercard chargeback instead and the decision was made on 17th December 25 in my favour and I was refunded.

Now today (24 Feb 26) the company is chasing me for payment.

What is the best course of action?

Thank you

elsien

the company can challenge the outcome of the charge back with the credit card company. Have they done that?
When you say they are chasing you for payment, what exactly do you mean? Standard debt collector letters? They have no enforcement power. You would need to wait to see if the company decides to issue a formal court claim against you.

sithmaster

They have contacted me directly to chase payment just over the phone

elsien

stop answering the calls. Wait to see if they start doing things properly.

born_again

 I issued a letter before action via email two weeks before I raised the depute however all attempts were ignored.

Why did you not follow through on LBA?

Sounds like they are now going that route, as they are free to do. You can let it go to court & counter claim.

sithmaster

https://forums.moneysavingexpert.com/discussion/comment/81897944#Comment_81897944

My action was always to go to the cc but I thought it may have got there attention but sadly not.

However I won the dispute or they never challenged it.

I know to can challenge the finding but is there a time period for that?

elsien

I think it varies with each credit card provider – MasterCard, Visa et cetera

I believe MasterCard is usually 45 days although that can be an extended if more information is requested.

born_again

https://forums.moneysavingexpert.com/discussion/comment/81897952#Comment_81897952

Chargebacks have no legal standing, they are simply visa/mastercard card regulations retailers & banks agree to. So while a retailer has a right to contest within 45 days. Many do not & then go the legal route to reclaim the money.

It is pointless threatening LBA & then not following through.

sithmaster

So to save a headache i should just pay them back?

elsien

No, not at all. Not if you think you’ve got a good case. You gave them a letter before action which implied you were ready to go to court because of that.
So see if they take court action themselves (which they may well not do) and then defend it in the same way you would’ve done anyway.

Grumpy_chap

https://forums.moneysavingexpert.com/discussion/comment/81897957#Comment_81897957

The OP cannot now follow through the LBA as the OP has received the refund (via chargeback) which seems not to have been contested (via chargeback) but the supplier is challenging non-payment via other processes.

The OP needs to understand that chargeback is the equivalent of stopping the cheque.

In what ways was the garage door installation poor, unsafe and not finished? Does the extent of the deficiency truly warrant a full refund?