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  • FIRST POST
    • JoBrano
    • By JoBrano 10th Mar 18, 2:48 PM
    • 1Posts
    • 0Thanks
    JoBrano
    Declined section 75 claim - help!
    • #1
    • 10th Mar 18, 2:48 PM
    Declined section 75 claim - help! 10th Mar 18 at 2:48 PM
    Hi all.
    I have been battling with getting a refund for an online course I paid for back in August. It had a 90 day money back guarantee which I tried getting through the merchant without any luck. I then went through my bank, and it's taken 6 no the to get a big fat no.
    It's 769 and their reason for declining is that it was intended to help with my business.
    It was a course on writing an eBook and how to market it.
    I need help here! Have I got ANY chance of getting my money back???
Page 1
    • Blackbeard of Perranporth
    • By Blackbeard of Perranporth 10th Mar 18, 3:05 PM
    • 5,926 Posts
    • 34,454 Thanks
    Blackbeard of Perranporth
    • #2
    • 10th Mar 18, 3:05 PM
    • #2
    • 10th Mar 18, 3:05 PM
    Hi all.
    I have been battling with getting a refund for an online course I paid for back in August. It had a 90 day money back guarantee which I tried getting through the merchant without any luck. I then went through my bank, and it's taken 6 no the to get a big fat no.
    It's 769 and their reason for declining is that it was intended to help with my business.
    It was a course on writing an eBook and how to market it.
    I need help here! Have I got ANY chance of getting my money back???
    Originally posted by JoBrano
    I have highlighted the answer for you. As a B2B Transaction, you have top use due diligence.
    Cardiac Arrest - Electrical - Patient unconscious! Heart Attack - Plumbing - Patient conscious!
    Defibrillators Cannot Cure a Heart Attack!
    • DCFC79
    • By DCFC79 10th Mar 18, 3:20 PM
    • 33,836 Posts
    • 21,333 Thanks
    DCFC79
    • #3
    • 10th Mar 18, 3:20 PM
    • #3
    • 10th Mar 18, 3:20 PM
    Hi all.
    I have been battling with getting a refund for an online course I paid for back in August. It had a 90 day money back guarantee which I tried getting through the merchant without any luck. I then went through my bank, and it's taken 6 no the to get a big fat no.
    It's 769 and their reason for declining is that it was intended to help with my business.
    It was a course on writing an eBook and how to market it.
    I need help here! Have I got ANY chance of getting my money back???
    Originally posted by JoBrano
    Whats wrong with the course ?

    Dont know if you will have any luck since its now 6 months since you paid for it, there might be a time limit.
    • dj1471
    • By dj1471 10th Mar 18, 4:11 PM
    • 1,535 Posts
    • 1,077 Thanks
    dj1471
    • #4
    • 10th Mar 18, 4:11 PM
    • #4
    • 10th Mar 18, 4:11 PM
    What kind of business are you running? Sole traders are covered by Section 75 but no other type of business is.

    If you're a sole trader raise a complaint and escalate to FOS as necessary.
    • chattychappy
    • By chattychappy 11th Mar 18, 11:15 AM
    • 7,069 Posts
    • 3,910 Thanks
    chattychappy
    • #5
    • 11th Mar 18, 11:15 AM
    • #5
    • 11th Mar 18, 11:15 AM
    If you paid for the course yourself with a personal card and you were personally enrolled, then you should be covered, whether or not a "business" (sole trader/limited company etc) benefits.

    If your business signed up for the course and you paid on your CC, then if the business is a sole trader you will be covered. If the business is a limited company, LLP etc., then you won't be covered.

    Sounds like you have been given a stock fobbing off response. Escalate to FOS or consider a small claim. See also this thread:

    http://forums.moneysavingexpert.com/showthread.php?t=5606781
    and http://www.financial-ombudsman.org.uk/publications/ombudsman-news/62/62-consumer-credit.htm which is referred to in post 8.
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