Credit card refund?


P

paulfoel

OK. Suppose I pay for something such as a service or goods with a
credit card, what duty does the credit card company have with regards
to any disputes?

For instance, suppose I pay a garage for some work that I'm not happy
with, could I phone the credit card company and dispute any payment
I've made?

Or is this not of interest to the credit card company?
 
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J

Jonathan Bryce

paulfoel said:
OK. Suppose I pay for something such as a service or goods with a
credit card, what duty does the credit card company have with regards
to any disputes?
They are jointly liable with the supplier.
For instance, suppose I pay a garage for some work that I'm not happy
with, could I phone the credit card company and dispute any payment
I've made?
Yes.
 
J

johannes

paulfoel said:
OK. Suppose I pay for something such as a service or goods with a
credit card, what duty does the credit card company have with regards
to any disputes?

For instance, suppose I pay a garage for some work that I'm not happy
with, could I phone the credit card company and dispute any payment
I've made?
The CC company will send you a dispute form to fill in. They will
then refund the charge while they investigate the dispute. If they
find in favour of you, the refund will stay. Min £100 dispute.
 
A

Alex

At 15:55:02 on 24/08/2007, johannes delighted uk.finance by announcing:
The CC company will send you a dispute form to fill in. They will
then refund the charge while they investigate the dispute. If they
find in favour of you, the refund will stay. Min £100 dispute.
I believe the £100 is the amount paid, not the amount disputed.
 
T

Tim

paulfoel said:
I believe the £100 is the amount paid, not the amount disputed.
Isn't it rather the full cost of the goods/service? Only *part* of
the cost might have been paid on the credit card (eg a deposit),
but even so the CCco can be held liable for the whole cost.

And the total cost must be between £100 and £30,000 (?).
 
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M

Mrcheerful

paulfoel said:
OK. Suppose I pay for something such as a service or goods with a
credit card, what duty does the credit card company have with regards
to any disputes?

For instance, suppose I pay a garage for some work that I'm not happy
with, could I phone the credit card company and dispute any payment
I've made?

Or is this not of interest to the credit card company?
phone them, I have disputed quite small amounts and had a refund, I have not
come across a 100 pound minimum, but that might vary by card.
 
A

Alex Heney

phone them, I have disputed quite small amounts and had a refund, I have not
come across a 100 pound minimum, but that might vary by card.
the law makes them jointly responsible where the purchase value is at
least £100.

Where the amount is lower, any liability is entirely down to either
their T&C or to goodwill.
 
J

johannes

Tim said:
Isn't it rather the full cost of the goods/service? Only *part* of
the cost might have been paid on the credit card (eg a deposit),
but even so the CCco can be held liable for the whole cost.

And the total cost must be between £100 and £30,000 (?).
Yes. But I doubt that you can buy an item for £30,000 on CC ?

But nevertheless, I find it annoying that a credit card limit is
ineffective: If the purchase stars from just under the limit, then
it can exceed the limit by a large amount.
 
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P

paulfoel

The CC company will send you a dispute form to fill in. They will
then refund the charge while they investigate the dispute. If they
find in favour of you, the refund will stay. Min £100 dispute.
So if its less than £100 - tough luck ?
 
P

paulfoel

Yes. But I doubt that you can buy an item for £30,000 on CC ?

But nevertheless, I find it annoying that a credit card limit is
ineffective: If the purchase stars from just under the limit, then
it can exceed the limit by a large amount.
Its not > £30,000 !!! My credit limit wouldnt allow that :)
 
J

johannes

paulfoel said:
So if its less than £100 - tough luck ?
Yes, if it is a faulty item. However, you can still dispute an
unauthorised charge. E.g. as I did when an ISP charged for the last
month of connection, ignoring the initial one month deposit.
 
J

Jonathan Bryce

Mrcheerful said:
phone them, I have disputed quite small amounts and had a refund, I have
not come across a 100 pound minimum, but that might vary by card.
They are only required to consider disputes for amounts above £100, but some
card cos will consider amounts below that level.
 
M

Mike_B

In message said:
So if its less than £100 - tough luck ?
It's tough luck if you want to force the credit card company to take
liability. You could still go after the goods/services supplier.
 
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T

Tim

paulfoel said:
Yes. But I doubt that you can buy an item for £30,000 on CC ?
You don't need to pay the entire (say) £29,999 on
the CC -- just a deposit, which maybe (say) £500.
Then the CCco is jointly liable for the whole £29,999!!
 
A

Alex Heney

Yes. But I doubt that you can buy an item for £30,000 on CC ?
If your limit allows, you almost certainly can.

And while most of us "ordinary" people probably have a limit in the
£15000 to £20000 range, I expect many of our richer brethren will have
cards with much higher limits.
But nevertheless, I find it annoying that a credit card limit is
ineffective: If the purchase stars from just under the limit, then
it can exceed the limit by a large amount.
You will not usually be allowed to exceed the limit at all nowadays,
with immediate on line verification.

Not that I have got anywhere near my limit for a good few years now,
even when paying for a £5000 car on it.
 
J

johannes

Alex said:
[...]

You will not usually be allowed to exceed the limit at all nowadays,
with immediate on line verification.
But "usually" is not certainty.
Not that I have got anywhere near my limit for a good few years now,
even when paying for a £5000 car on it.
I have deliberately a far lower limit (a secret) on my card, but
the CC Co always want to increase it, but I ask them not to.
 
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B

BrianW

paulfoel said:
So if its less than £100 - tough luck ?
'fraid so. My wife bought something for about £50 and the company went
bust. Tough said the card issuer.
 

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