Payment and non delivery

[KRUSTYMAN]

I have a problem with a purchase I made online. I purchased a product for £180 on the internet ( It was a company I had used before so I felt quite confident) but it has failed to materialise. I know there are problems with delivery up and down the country so I shouldn't be surprised for it to be late. However when I did manage to get in touch with the supplier he wouldn't tell me who the courier was so that I could, hopefully, find out if they had the parcel etc. I paid by visa debit - where do I stand as to reclaiming the money or a refund? TIA

[Oneeyedvic]

You have no protection under the Consumer Credit Act (as you would with a CREDIT card).

The only option is to contact the company ans say that you no longer want the product and to give you a full refund. They must oblige under the law (Distant Selling Regulations) although they can charge you a small fee for the courier etc.

[hc4361]

That is simply not true. You can claim from Visa debit cards, but not Maestro.

A Visa debit card offers significantly better protection for shoppers. Their scheme is called Visa Debit Chargeback and any bank that issues a Visa debit card has to comply with the scheme.

You can claim money back if the goods you buy are damaged, or the product or services are not delivered.

There is no limit on what you can claim. But you have to claim within 120 days of the date you expected the goods to be delivered or the firm going bust.

http://news.bbc.co.uk...ing_lunch/7593369.stm

[Oneeyedvic]

hc - in my opinion, the chargeback is for good not delivered as the company has gone bust - not because the customer has changed his mind or because it is being late delivered. You could try, but I doubt that you would get very far.

As mentioned on your link: the Visa Debit chargeback scheme is not legally binding, so you don't have any legal redress if you are unhappy.

[hc4361]

Well the Distance Selling Regs will entitle him to a full refund for any or no reason, providing he informs the company within 7 days of receiving the goods that he will be returning them; and returns them as soon as is practical.
He will be entitled to a full refund under the Visa Debit if the goods don't turn up at all.