My credit card company refunded me - but now I'm being sued! [LBC Legal Hour]

[@illusionuk]

You can do a chargeback on a credit card as well. Section 75 claims is additional protection for goods/ services with a value between £100-£30,000 where any part of the payment was made with the credit card. Chargebacks can be used on credit cards where the amount was less than £100.

[@andigorani]

The fact they paid the same amount to someone else to rectify the issues tells me it wasn't of satisfactory quality.

[@AIJimmybad]

Exactly, his best friend in this will be the second contractor. If they give evidence that the first one was a bodge job it's game over.

[@pdhr0che]

Chargebacks can be done on CC

[@flyinghorse2739]

Hi Richard, any updates on your case?

[@phoenixrising8062]

Well said Daniel. I deal with chargebacks daily for a merchant and the banks behave as a law unto themselves. Many banks do chargebacks and not a section 75 complaint because the latter has the potential for regulatory oversight if referral is requested, while the former does not. Banks do it to avoid fees by an ombudsman for adjudication. I cited the legislation of the Consumer Rights Act 2015 if many defences, and the banks have chosen to ignore it. Is it legal impropriety by the bank and should the FCA be informed?

[@brianbale9511]

Banks really are one big burden on the majority of us all Interest rates should be scrapped to help the lads out

[@coderider3022]

Hum, he cancelled that payment too early. He should have got 2nd and 3rd options from professionals then took them to court for it.