My son is having a problem with a Visa charge back through RBS.

He bought a car 3 September 2016

the rear brake lines ruptured suddenly due to corrosion on 15 December 2016.

The dealer agreed to fix it.

Then 13 January 2017 it failed it's MOT because the front brake lines were corroded.

At the same time various advisories for corrosion on most of the underside

suspension,

chassis would have cost more than the car was worth.

My son rejected the car under Consumer rights act 2015 (note that this requires the dealer to collect the car).

He refused the rejection.

My son paid by debit card.

he initiated a charge back based on the fault.

RBS have turned it down as it was more 120 days from the point of sale.

However we understood that it was different for a fault and 120 days from becoming aware of the problem.

This is stated on lots of consumer websites including Which.

be96erj how did it work out for you?

My son bought a car using his RBS Visa debit card in September.

In December the rear brake lines ruptured due to severe corrosion.

The repair was negotiated by our local garage via the dealer.

Car then had an MOT in early January with very little use fortunately because it failed the MOT due to severe corrosion of Front brake lines.

My son rejected the car under the consumer rights act 2015 but the dealer refused to accept the rejection.

As he paid by RBS Visa Direct Debit

he contacted RBS to initiate a chargeback.

After a few days they replied saying that it was more than 120 days since the purchase date.

However everything we read tells us that if there is a fault/problem it is this date where the count down starts. Does anyone know which is correct?

http://www.consumeractiongroup.co.uk/forum/showthread.php?473627-Section-75-and-Charge-Back..-gt-Whats-the-difference-and-how-to-utilise-them&highlight=chargeback

Regards

Andy

Unfortunately that's exactly the information I have found everywhere and it doesn't really answer my question.

It mentions charge back because of a fault but doesn't give a time frame.

The first fault was 3 months after purchase but the bank says that it is too late.

RBS are correct.

Unfortunately that's exactly the information I have found everywhere and it doesn't really answer my question.

It mentions charge back because of a fault but doesn't give a time frame.

The first fault was 3 months after purchase but the bank says that it is too late.

It does its in the link I provided.....

Are there any Time Limits on making a Chargeback Claim? YES

To make a Chargeback claim you will need to contact your Card Provider/Bank within their time limit.

Generally it is 120 days, which starts from the day that you become aware of an issue with the Goods or Services purchased.

There is also an overall cut off point of 540 days for Visa Chargeback. Therefore, your deadline for requesting a Chargeback is 120 days from discovering you have an issue, or 540 days from the transaction date, whichever comes first.

The day he became aware of "the issue" was 15 December 2016. This is why that statement is vague.