can bank refund my deposit?

**khoshtip_uk** · 14th June 2008 00:55

Hi Guys,

Im having dispute with a garage on refunding my deposit. After doing inspection on a car I decided not to go ahead with purchasing the car simply because the report is suggesting essential repairs prior to buying the car and garage is rejecting the offer to either repair the car or refund my deposit.
I have put this down in writing to them already. And spoken to trading standards about it. Since I made the payment using my debit card they are suggesting me to contact my Bank and ask them to refund it back to my account, they believe banks have such privilege to do so....
Does anyone know if banks have such privilege and whether its better if I walk to branch with all proves (inspection report i.e ) or put it down in writing to them?
I don’t want to try them if its waste of time.

Thank for the advice
Ali

Similar Threads:

**JonCris** · 14th June 2008 03:14

The banks can recall the payment but be quick before the dealer empties his account

**Conniff** · 14th June 2008 09:36

You still need to try even it is a 'waste of time'. That would be the easiest way out, and if for some reason they cannot reverse the payment, then you will have tried.

As it is a debit card you may not get the action you require on first enquiry, so you might have to push it with the bank, not all the staff are aware that a payment reversal can be done on a debit card, (or they pretend they don't).

**JonCris** · 14th June 2008 13:01

I agree with Conniff. I would only caution that you must not abide by paypal icon

dispute deadlines as for obvious reasons they exceed the card companies making it much more difficult to have them reverse the charge against PayPal

Also if you have a Visa debit card you have the protection of s75 of the CCA 1974

**JonCris** · 14th June 2008 13:04

Forgot to mention if your successful in having the debit reversed you might find your paypal icon

account suspended so make sure it's empty & that there is no PayPal DD arranged with your bank

**khoshtip_uk** · 14th June 2008 14:20

thanks for all the advice, Im going to write and send a letter to bank today, need some more info about the template and what to say.
shall I attache the inspection report and letters which I sent to the garage ?
Thanks again.

**JonCris** · 14th June 2008 19:50

No it's sufficient for you that you want your money returned why, at this juncture, is not their concern even if some overzealous clerk thinks it is

**raydetinu** · 15th June 2008 21:30

I did not know you can get debit card money back, I thought Debit card transactions were the same as cash! cheques you can cancel ( if money has not been trnsferred ) if a gaurantee card has not been used.
Are you sure CCA apllies to these. I thought that was only credit cards, not debit cards.

**JonCris** · 16th June 2008 15:16

You can reverse a debit card in much the sanme way that you can reverse a DD

Thread: can bank refund my deposit?

Thread Tools

Search Thread

can bank refund my deposit?

Re: can bank refund my deposit?

Re: can bank refund my deposit?

Re: can bank refund my deposit?

Re: can bank refund my deposit?

Re: can bank refund my deposit?

Re: can bank refund my deposit?

Re: can bank refund my deposit?

Re: can bank refund my deposit?