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JJB Liquidation
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Oh dear, I bought 142.00 pounds worth of goods from JJB and I didn't get chance to return them before they closed down on Monday, do you know if I am covered by credit card protection against liquidation as I paid with by Visa?
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Best Answer
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For more on marking an answer as the "Best Answer", please visit our FAQ.Just to stress the important bits of Eddie's post:
Firstly, if the goods aren't faulty you never had a legal right to a refund (or, indeed to an exchange). Some retailers allow you to return non-faulty goods but they're not obliged to do so. So you can't now claim against any card company.
Secondly, the legal protection (in respect of faulty goods only) provided by credit card companies doesn't extend to debit cards. Credit card companies have joint and several liability with retailers (which means that, if goods are faulty, you can demand your money back from the credit card company, without even contacting the retailer, even if the retailer is still trading) but debit card providers have no such liability.
Chris
Firstly, if the goods aren't faulty you never had a legal right to a refund (or, indeed to an exchange). Some retailers allow you to return non-faulty goods but they're not obliged to do so. So you can't now claim against any card company.
Secondly, the legal protection (in respect of faulty goods only) provided by credit card companies doesn't extend to debit cards. Credit card companies have joint and several liability with retailers (which means that, if goods are faulty, you can demand your money back from the credit card company, without even contacting the retailer, even if the retailer is still trading) but debit card providers have no such liability.
Chris
PS: If the goods are faulty but you paid by debit card, lodge a claim with the administrators, KPMG. (There's obviously a bit of money left in JJB's accounts, as all of their staff will be paid. You might still get something):
http:// www.kpm g.com/u ...us/p ages/de fault.a spx
http://
If the goods are faulty you ARE covered if you paid by debit card.
It is all explained here:
http:// www.mon eysavin ...mast ercard- chargeb ack
It is all explained here:
http://
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