Insurance cover on Visa

[tim]

Shoddy job - paid up front by Visa - any comeback??

When to use Trading Standards?

[tim]

[djbrenton]

Chargeback


Section 75 example - the trader won't help

You recently had a new kitchen installed but the polished granite worktops are poorly cut and badly finished. You've tried raising your concerns with the installer but had no joy. You paid by credit card.

As long as the kitchen installation contract wasn't over £30,000, the credit card company is as liable as the trader for this breach of contract – in other words a failure to exercise reasonable care and skill under the Supply of Goods and Services Act 1982 – and you are entitled to claim compensation from the card company directly.

Get several quotes from other traders for the cost of putting this work right. Then write to the credit card company explaining the problem, and claiming the cost of fixing the worktops, and provide the creditor a reasonable amount of time to pay for the remedial work.

If the credit card company doesn't pay up, ask for a letter of deadlock so you can refer the dispute to the Financial Ombudsman Service (FOS). If more than eight weeks has passed since you submitted your claim to the card provider, you can refer your claim to the FOS straight away.

[Digeroo]

Better protection with credit card than debit.  If you are not sure of a company much better to use credit card. 

[djbrenton]

Visa debit now carries pretty much the same cover as section 75. The problem, however , is that you're out of pocket until it gets resolved. Maestro debit does not carry equivalent cover

[Digeroo]

There is also some kind of time limit for charge back so don't leave it too long before you complain.  I think it is six months.  British Gas on one occassion took a direct debit twice and I only just did it in time.   Have you also written to supplier expressing your concerns about the quality of the work.  Demaind a response by a particular date. 

They say on the TV that reputable trades people do not demand payment upfront.

Trading standards are not very effective in individual cases.  They tend to just log them until they have quite a number for the same supplier.   They just give you advice on how to procede.

[PurpleHeather]

I would go to CAB and give them full details about the dispute. CAB, usually, are pretty hot on what to do in these situations.

They will report to trading standards if need be.

[tim]

Sorry for not replying sooner - builders!

What a site. I bet, if I wanted to forge £1 coins, I'd get a brief!

Silly me - used Debit - blind trust. Trouble is that these are bespoke bathroom shutters & I can't think of anyone else who could quote.

Supplier's away for a week, but when she returns........!!

[rosebud]

Tim,
i do not know if this will help. We put a large deposit down on some furniture until it was made , in the meantime the place went bust.
We paid by Debit card & we were told to write to the bank with any receipts which we did, & got the deposit refunded. HURRAH!!!.

[tim]

There's hope yet!

[SamLouise]

Tim,  when you say you paid via debit card, was it visa debit because as DJ has mentioned, it should be protected.

Listen here to the advice given on the Jeremy Vine show last week re refunds on credit and debit cards.  The actual programme is about the collapse of a certain holiday firm but the information given, covers everything you should need to know about your payment and protection.  Only 16hrs left to play it though, so be quick :) (I think the topic starts around 32 minutes)

http://www.bbc.co.uk/programmes/b00tcx35

Edit:  Just noticed the title of your thread - VISA.  So yes, you must have paid on VisaDebit, LOL! :-[

[PurpleHeather]

CITIZENS ADVICE ............................straight away NO argument.

[tim]

Thanks to all!