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Nationwide don't know difference between Sec 75 and Chargeback or it me?

13

Comments

  • themull1
    themull1 Posts: 4,299 Forumite
    i used chargeback to claim a refund of a substandard room at a B and B, and for the night after which we didn't use because the room was so dirty, we got a full refund using chargeback but it took ages, approx 8 weeks.
  • themull1
    themull1 Posts: 4,299 Forumite
    So that was a dispute over the quality of service.
  • meer53
    meer53 Posts: 10,217 Forumite
    Tenth Anniversary 10,000 Posts Combo Breaker
    tomtontom wrote: »
    Yes, there is - a chargeback is possible where there is a dispute over quality of service.

    Perhaps you should read the chargeback guidelines issued by Visa? ;)

    I've read them, many times

    What chargeback code would be used for quality of service ?
  • tomtontom
    tomtontom Posts: 7,929 Forumite
    meer53 wrote: »
    I've read them, many times

    What chargeback code would be used for quality of service ?

    Reason code 53.

    Perhaps your version hasn't been updated since April? :p
  • miniphernalia
    miniphernalia Posts: 18 Forumite
    How do i find the visa chargeback guidelines?
  • boo_star
    boo_star Posts: 3,202 Forumite
    Part of the Furniture 1,000 Posts
    miniphernalia wrote: »
    How do i find the visa chargeback guidelines?

    https://www.barclaycard.co.uk/business/files/chargebacks-reason-codes-guide.pdf has the reason codes in an easy to read format.


    http://usa.visa.com/download/merchants/chargeback-management-guidelines-for-visa-merchants.pdf is more thorough but a little OTT if you're just interested in the codes.
  • meer53
    meer53 Posts: 10,217 Forumite
    Tenth Anniversary 10,000 Posts Combo Breaker
    tomtontom wrote: »
    Reason code 53.

    Perhaps your version hasn't been updated since April? :p

    I don't understand how the OP can claim the paint is defective. From what they've said it sounds more like bad workmanship. I can see why Nationwide are reluctant to dispute this, based on what the OP has said we wouldn't dispute it. I would class this as a quality of service issue which isn't covered by code 53. It would be different if the OP has proof the paint was defective.
  • tomtontom
    tomtontom Posts: 7,929 Forumite
    meer53 wrote: »
    I don't understand how the OP can claim the paint is defective. From what they've said it sounds more like bad workmanship. I can see why Nationwide are reluctant to dispute this, based on what the OP has said we wouldn't dispute it. I would class this as a quality of service issue which isn't covered by code 53. It would be different if the OP has proof the paint was defective.

    Honestly, just read the updated information. You're not helping the OP by keeping on with the misinformation, and it's a little bizarre when the reference material is right in front of you ;)
  • shaun_from_Africa
    shaun_from_Africa Posts: 12,858 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    meer53 wrote: »
    I would class this as a quality of service issue which isn't covered by code 53. It would be different if the OP has proof the paint was defective.

    Why wouldn't code 53 cover the quality of the service performed?

    M53 Not as described
    –    the cardholder is stating that the service/goods that they received were either
    defective or not what was originally described to them by the merchant,
  • The-Truth
    The-Truth Posts: 483 Forumite
    edited 15 September 2015 at 8:23AM
    shaun_from_Africa wrote: »
    Why wouldn't code 53 cover the quality of the service performed?






    IMO it's very much one word against another though. Who's to decide who's right?
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