Credit Card Refund Query


D

D Gifford

Hi,

In January this year I purchased a TV online using my credit card
(Barclaycard). I then saw it somewhere else for cheaper so around 15
minutes after purchasing it, I cancelled the order and asked for a
refund. The company told me i'd be refunded the full amount in 3-5
working days.

Now, almost 2 months later the amount still hasn't been refunded to my
card. I have alreay contacted the company and have two emails from
them assuring met the refund was paid on 19th Jan. I went to
Barclaycard and asked them to investigate and after filling in forms
and sending them the emails, they came back with a short letter saying
that as I had cancelled the order myself then they couldn't help me,
and they would continue charging interest on the disputed amount.

What are my rights here, and what should I expect from Barclaycard?!

Any help appreciated.
Thanks
Dom Gifford
 
Ad

Advertisements

T

tim

D Gifford said:
Hi,

In January this year I purchased a TV online using my credit card
(Barclaycard). I then saw it somewhere else for cheaper so around 15
minutes after purchasing it, I cancelled the order and asked for a
refund. The company told me i'd be refunded the full amount in 3-5
working days.

Now, almost 2 months later the amount still hasn't been refunded to my
card. I have alreay contacted the company and have two emails from
them assuring met the refund was paid on 19th Jan. I went to
Barclaycard and asked them to investigate and after filling in forms
and sending them the emails, they came back with a short letter saying
that as I had cancelled the order myself then they couldn't help me,
and they would continue charging interest on the disputed amount.

What are my rights here, and what should I expect from Barclaycard?!
You should expect Barclaycard to help.

Complain, complain again and then take the complaint to
the obundsman.

At the moment you don't know whether the refund was processed
and lost (Barclaycards problem) or that the company are lieing to you
about processing it (which is also likely to be Barclaycard's problem
because of their joint liability under the consimer credit act. Pretending
that they don't have this liability is the usual CC reaponse - personally
I think that they should be fined each time they do this)

tim
 
D

domgifford

Thanks for your reply Tim.

Is there a website with the consumer credit agreement on (preferably
with an explanation in non financial lingo!) that I can look at? It
would be good if I could maybe put some quote in my replies to them.

I've done a quick search and was a bit overwhelmed with the results....

Cheers
Dom
 
D

Doug Ramage

Thanks for your reply Tim.

Is there a website with the consumer credit agreement on (preferably
with an explanation in non financial lingo!) that I can look at? It
would be good if I could maybe put some quote in my replies to them.

I've done a quick search and was a bit overwhelmed with the results....

Cheers
Dom
IIRC, there is some info on the OFT's website.

Minimum transaction value to "qualify" for joint liability (CC and
supplier) is £100, and be UK based.
 
Ad

Advertisements

R

Richard Buttrey

Hi,

In January this year I purchased a TV online using my credit card
(Barclaycard). I then saw it somewhere else for cheaper so around 15
minutes after purchasing it, I cancelled the order and asked for a
refund. The company told me i'd be refunded the full amount in 3-5
working days.

Now, almost 2 months later the amount still hasn't been refunded to my
card. I have alreay contacted the company and have two emails from
them assuring met the refund was paid on 19th Jan. I went to
Barclaycard and asked them to investigate and after filling in forms
and sending them the emails, they came back with a short letter saying
that as I had cancelled the order myself then they couldn't help me,
and they would continue charging interest on the disputed amount.

What are my rights here, and what should I expect from Barclaycard?!

Any help appreciated.
Thanks
Dom Gifford
Can we assume that you haven't received the TV?

Rgds

__
Richard Buttrey
Grappenhall, Cheshire, UK
__________________________
 

Ask a Question

Want to reply to this thread or ask your own question?

You'll need to choose a username for the site, which only take a couple of moments. After that, you can post your question and our members will help you out.

Ask a Question

Similar Threads

Credit Card Refunds 3
credit card refunds 0
Credit card refund? 53
USA Credit Card Refund 2
Credit card query - 2 3
credit card payments query 0
Credit card protection query? 14
UK Invoicing queries 1

Top