Hi

I purchased a cctv from Maplin about 8 months ago using my Santander c/card, I closed the account about 6 weeks ago and now the cctv system is broken, Maplin have liquidated of course so I ask....

Can I still claim a refund on my old card?

Thanks

You can try. If successful then any excess of payment can be refunded if need be if the cC was closed @ 0 Balance.

Was the purchase Under or over £100?

That's exactly what s75 is intended for.

" I closed the account about 6 weeks ago "

If you could expand...how do you close a credit card agreement ?

Andy

My new bank closed it as they do now if you're starting with a new bank.

Zero ballance on the c/card

Cctv cost £350

Thanks

You buy an item between £100 and £30,000 on your credit card which turns out to be faulty, but since then you’ve closed your credit card account: Section 75 still has you covered.

Great many thanks

Update

Santander gave me a call today and told me they will arrange for the unit to be collected for a repair by the manufacturer,

however they called back and renaged on that later and told me to send it off for repair

(rather have a refund no confidence in this product now!!)

I thought Santander were jointly liable along with the supplier to reimburse me for the faulty items, it seems to me I'm being fobbed off with a repair yes/no?

Thanks

Are they actually aware that Maplin are no longer ?

Obviously they are not aware of how a section 75 claim works.

Hi Thanks for the reply

They know Maplin have folded

So they're fobbing me off as I suspected yes? I'd have thought their liability was to re-fund me

Should I report their actions to the Ombudsman? because it seems to me their actions are appalling

Thanks again

Update

Received a letter today confirming they've looked at my case again and their decision is unchanged and asked me to contact the cctv maker for a repair.

So letter to Ombudsman? any templates/examples for doing this please?

Thanks

If you are rejected for a Section 75 refund and are adamant you think this was an unfair decision by your credit provider, then you can make a complaint to the Financial Ombudsman Service.

http://www.financial-ombudsman.org.uk/consumer/complaints.htm

Andy

Update

Complained to Ombudsman end of July

13/8 mail confirmong they'll get back to me in four weeks

17/8 mail now saying back to me in twelve weeks, so a long drawn out process I think with probably no refund at the end, Santander alleged that section 75 didn't apply in my case when I asked for a re-fund so I'm now going to bin my CCTV system and just start again with another make

Thanks

After reading the'Ombudsman' drop down message on here looks like I'll be turned down.

If so can I still apply to the Small Claims Court where I might stand a better chance of Success ???

Have you had a response from the Ombudsman ?

No not yet !

Nothing from the Ombudsman yet!!!

Ombudsman has rejected my claim because I didn't send the system off to the manufacturer as Santander gave me the option.

What next say you ?

How could you have if ......" Maplin have liquidated " ?

How could you have if ......" Maplin have liquidated " ?

It's true, I tried to cut'n paste the PDF file reply but it didn't work!!!

read upload

Maplin are the retailer not the manufacturer.

The manufacturer are still in business I take it

Yes they are and the bank insist it could go back to the manufacture to be repaired so they've declined my section 75 request and the Ombudsman agree's with them!

Any further advice please?