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Refund on a credit card after closing account.

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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 :)

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That's exactly what s75 is intended for.


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" I closed the account about 6 weeks ago "

 

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

 

Andy


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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

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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.


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Great many thanks :)

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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 :)

Edited by dx100uk
format

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Are they actually aware that Maplin are no longer ?

 

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


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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

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We could do with some help from you.

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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

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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


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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 :)

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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 ???

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Have you had a response from the Ombudsman ?


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Nothing from the Ombudsman yet!!! :mad2:

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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 ?

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


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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!!!

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read upload


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Maplin are the retailer not the manufacturer.

The manufacturer are still in business I take it

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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!

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Any further advice please?

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