General Car Related Discussion. To discuss anything that is related to cars and automotive technology that doesnt naturally fit into another forum catagory.

Stopping payments on credit cards?

Thread Tools
 
Search this Thread
 
Old 18-01-2010, 11:02 PM
  #1  
Big Will_
Borg Warner EFR Equipped!
Thread Starter
 
Big Will_'s Avatar
 
Join Date: Apr 2005
Location: In the unit, building a 450bhp Time Attack Focus!
Posts: 5,810
Likes: 0
Received 2 Likes on 2 Posts
Default Stopping payments on credit cards?

I bought something at the Autosport show on Friday from an american company and we rang their head office back in Florida for me to pay for the product on my credit card.

I've since found out that the item i've bought is not what was described (i've bought a turbocharger and found out it's a journal bearing and not a roller bearing core).

Now the sales guy was absolutely adamant that the unit was a ball bearing core and wrote me a note with the part number on which is for a BB core but the actual unit i walked away with, having now checked the serial number with the manufacturer isn't.

So as it stands, the unit i've bought is in my opinion 'goods sold not as described'.

I've never had cause to involve my credit card company in a problem before but want to know where i'm likely to stand before i start kicking off?

Anyone had anything similar?
Old 18-01-2010, 11:04 PM
  #2  
ST_BEAN
I'm Finding My Feet Here Now
 
ST_BEAN's Avatar
 
Join Date: May 2009
Location: Essex
Posts: 134
Likes: 0
Received 0 Likes on 0 Posts
Default

refund within 14 days mate credit cards payment gets returned jobs a good'un mate
Old 18-01-2010, 11:06 PM
  #3  
turbotoaster
I've found that life I needed.. It's HERE!!
 
turbotoaster's Avatar
 
Join Date: Nov 2004
Location: stoke-on-trent
Posts: 1,058
Likes: 0
Received 0 Likes on 0 Posts
Default

have you explained to the company that you have been given the wrong product by mistake and need to exchange it.

Which american company is it, you checked the guy who sold you the product is still not in the uk?
Old 18-01-2010, 11:07 PM
  #4  
SS1
10K+ Poster!!
iTrader: (3)
 
SS1's Avatar
 
Join Date: Jun 2004
Location: Racing the clouds home
Posts: 13,285
Received 3 Likes on 3 Posts
Default

Ring up bank revoke the payment
Old 18-01-2010, 11:15 PM
  #5  
Big Will_
Borg Warner EFR Equipped!
Thread Starter
 
Big Will_'s Avatar
 
Join Date: Apr 2005
Location: In the unit, building a 450bhp Time Attack Focus!
Posts: 5,810
Likes: 0
Received 2 Likes on 2 Posts
Default

I've not spoken with the sales guy yet as he told me he wouldn't be back in the states until Tuesday lunchtime.

I will give them the opportunity to sort it out obviously, however, something tells me they're going to play the "you're on the other side of the pond, you bought it, live with it" card...

I just want to know where I stand and what my options are. Other problem is sending it back will be VERY expensive and I really don't see why I should stand that expense when i've done nothing wrong...
Old 18-01-2010, 11:22 PM
  #6  
mechanic28
10K+ Poster!!

iTrader: (5)
 
mechanic28's Avatar
 
Join Date: Apr 2007
Location: london
Posts: 13,649
Received 4 Likes on 3 Posts
Default

as above will you are covered by the 14 day cover maybe even 31 days?i would phone your bank or who ever the credit card is with tomorrow just to confirm this,at least then you know you have got a little time to see whats what
Old 18-01-2010, 11:27 PM
  #7  
SS1
10K+ Poster!!
iTrader: (3)
 
SS1's Avatar
 
Join Date: Jun 2004
Location: Racing the clouds home
Posts: 13,285
Received 3 Likes on 3 Posts
Default

Do they have a web site to sell parts ???

did you get a work card from them

the devil is in the detail via the small print
Old 18-01-2010, 11:30 PM
  #8  
Iain Mac
PassionFord Post Whore!!
 
Iain Mac's Avatar
 
Join Date: Jun 2003
Location: Scotland
Posts: 4,903
Received 6 Likes on 5 Posts
Default

I don't think you can stop the payment, but you can certainly involve the credit card company. You should tell them the goods are not as described and that you want a refund, but you need to speak to the seller first and give them the opportunity to rectify the situation.

Under the Sale of Goods Act, you have an absolute right to a refund or replacement where goods are not as described and I don't believe they can ask you to pay to post the turbo to the USA or anywhere else - I believe you are only obliged to keep the goods safe and make them available for collection at a reasonable time.

http://www.berr.gov.uk/whatwedo/cons...page38311.html
Old 18-01-2010, 11:41 PM
  #9  
Big Will_
Borg Warner EFR Equipped!
Thread Starter
 
Big Will_'s Avatar
 
Join Date: Apr 2005
Location: In the unit, building a 450bhp Time Attack Focus!
Posts: 5,810
Likes: 0
Received 2 Likes on 2 Posts
Default

Originally Posted by mechanic28
as above will you are covered by the 14 day cover maybe even 31 days?i would phone your bank or who ever the credit card is with tomorrow just to confirm this,at least then you know you have got a little time to see whats what
Will give the bank a ring in the morning. They wanted payment in cash which i found suspicious so we agreed that i would ring their sales line and pay over the phone on my credit card (i chose my credit card as i knew there was an element of protection).

Originally Posted by avid-fan
Do they have a web site to sell parts ???

did you get a work card from them

the devil is in the detail via the small print
Yes, they sell a lot of supra parts online and seem to be a well known tuner/performance parts supplier.

I got a business card from the sales guy i dealt with and a handwritten note on a piece of letterheaded paper with the 'supposed' part number on and the price i paid.

Originally Posted by Iain Mac
I don't think you can stop the payment, but you can certainly involve the credit card company. You should tell them the goods are not as described and that you want a refund, but you need to speak to the seller first and give them the opportunity to rectify the situation.

Under the Sale of Goods Act, you have an absolute right to a refund or replacement where goods are not as described and I don't believe they can ask you to pay to post the turbo to the USA or anywhere else - I believe you are only obliged to keep the goods safe and make them available for collection at a reasonable time.

http://www.berr.gov.uk/whatwedo/cons...page38311.html
I wasn't sure if the Sale Of Goods act applied to a US based company trading on UK soil etc. I guess i need to speak to the card company first and the company i bought from. Just trying to prepare myself with enough knowledge/ammunition before ringing...
Old 18-01-2010, 11:51 PM
  #10  
Iain Mac
PassionFord Post Whore!!
 
Iain Mac's Avatar
 
Join Date: Jun 2003
Location: Scotland
Posts: 4,903
Received 6 Likes on 5 Posts
Default

Sale of Goods Act applies to any transaction done here. Imagine if it didn't. Every rogue in the world would open "head office" abroad and scam people left, right and centre.

If they wriggle and say you paid in the USA the Consumer Credit Act becomes your friend and you involve the CC company, provided the goods cost between £100 and £30,000 and you paid any part of that amount on the card.

Still think you need to give the supplier the chance to rectify the problem.
Old 19-01-2010, 12:05 AM
  #11  
Big Will_
Borg Warner EFR Equipped!
Thread Starter
 
Big Will_'s Avatar
 
Join Date: Apr 2005
Location: In the unit, building a 450bhp Time Attack Focus!
Posts: 5,810
Likes: 0
Received 2 Likes on 2 Posts
Default

Originally Posted by Iain Mac
Sale of Goods Act applies to any transaction done here. Imagine if it didn't. Every rogue in the world would open "head office" abroad and scam people left, right and centre.

If they wriggle and say you paid in the USA the Consumer Credit Act becomes your friend and you involve the CC company, provided the goods cost between £100 and £30,000 and you paid any part of that amount on the card.

Still think you need to give the supplier the chance to rectify the problem.
Yes, I paid £900 for it (which is over the odds for a journal bearing $900 unit and a bargain for a $1550 roller bearing one).

I will speak to the supplier tomorrow and see what they offer in terms of sorting it out.
Old 19-01-2010, 01:15 AM
  #12  
MarkyMark
Too many posts.. I need a life!!
 
MarkyMark's Avatar
 
Join Date: May 2004
Location: Reading/Essex
Posts: 656
Likes: 0
Received 0 Likes on 0 Posts
Default

according to the financal obusdman you have a case

An advantage of using a credit card is that, under section 75 of the Consumer Credit Act 1974, customers who have a claim against a supplier for breach of contract or misrepresentation will generally have an equal claim against the card issuer.

iam guessing you will go for misrepresentation, and if the deal was done in this country it will be covered under uk law
Old 19-01-2010, 05:41 AM
  #13  
cossie4i+
TT T38 Power
iTrader: (15)
 
cossie4i+'s Avatar
 
Join Date: Apr 2005
Location: Somerset
Posts: 22,368
Received 32 Likes on 29 Posts
Default

£900 aint far off $1550 anyway

Hope you get it sorted

Steve
Old 19-01-2010, 05:54 AM
  #14  
-beefy-
formerly beefy-rst-2
iTrader: (6)
 
-beefy-'s Avatar
 
Join Date: Sep 2005
Location: cleveland rsoc
Posts: 10,072
Likes: 0
Received 3 Likes on 3 Posts
Default

cancel the transaction , post me that turbo ,

then go buy the roller bearing one you want ,


simples !!!!!!

Old 19-01-2010, 07:32 AM
  #15  
Rick
15K+ Super Poster!!

 
Rick's Avatar
 
Join Date: May 2003
Location: Stockport, Cheshire
Posts: 15,885
Received 17 Likes on 17 Posts
Default

You can't stop it as such, you will have to give the company an opportunity to refund you, but defo phone the cc company. Is this the one in your project thread?

Rick
Old 19-01-2010, 08:21 AM
  #16  
Mr RS500
15K+ Super Poster!!
iTrader: (6)
 
Mr RS500's Avatar
 
Join Date: Jul 2003
Location: scarborough
Posts: 15,129
Received 13 Likes on 12 Posts
Default

You CANT stop the payment

you need to contact the CC company and open a dispute and explain the problem ( this is obviously after contacting the company and if they dont sort the problem )

The cc card company will ask you to explain the problem and will then contact the company who supplied the turbo

They then TRY to resolve the issue between you and if they cant they decide who is wrong and will refund you if they feel your right
Old 19-01-2010, 08:34 AM
  #17  
Big Will_
Borg Warner EFR Equipped!
Thread Starter
 
Big Will_'s Avatar
 
Join Date: Apr 2005
Location: In the unit, building a 450bhp Time Attack Focus!
Posts: 5,810
Likes: 0
Received 2 Likes on 2 Posts
Default

Originally Posted by cossie4i
£900 aint far off $1550 anyway

Hope you get it sorted

Steve
No Steve, exchange rate wise it isn't - but as i didn't need to pay any shipping costs on a 10kg package from the states, any import tax, VAT etc. etc. - thats got to be a couple of hundred quid saving

Originally Posted by Rick
You can't stop it as such, you will have to give the company an opportunity to refund you, but defo phone the cc company. Is this the one in your project thread?

Rick
Yes mate, one in my project thread.

Originally Posted by NORTH YORKS RS SPARES
You CANT stop the payment

you need to contact the CC company and open a dispute and explain the problem ( this is obviously after contacting the company and if they dont sort the problem )

The cc card company will ask you to explain the problem and will then contact the company who supplied the turbo

They then TRY to resolve the issue between you and if they cant they decide who is wrong and will refund you if they feel your right
Cheers Paul, I am planning to ring the States this afternoon and try and speak to the sales guy I dealt with. Don't ask me why, but i'm strongly suspecting he's not going to be overly helpful, hence doing my homework on the next steps before i ring
Old 19-01-2010, 03:01 PM
  #18  
Big Will_
Borg Warner EFR Equipped!
Thread Starter
 
Big Will_'s Avatar
 
Join Date: Apr 2005
Location: In the unit, building a 450bhp Time Attack Focus!
Posts: 5,810
Likes: 0
Received 2 Likes on 2 Posts
Default

Well, just got off the phone from them and after pointing out all the facts and figures it's going back for a full refund on their Fedex account

Didn't need to ring the card company
Old 19-01-2010, 03:05 PM
  #19  
paul16v
Monte 087
 
paul16v's Avatar
 
Join Date: Sep 2004
Location: Hartlepool
Posts: 4,242
Likes: 0
Received 6 Likes on 2 Posts
Default

Good stuff Will sounds like it could have turned into a major headache, so are you going to get the correct unit from them or are you going elsewhere now?
Old 19-01-2010, 03:09 PM
  #20  
Big Will_
Borg Warner EFR Equipped!
Thread Starter
 
Big Will_'s Avatar
 
Join Date: Apr 2005
Location: In the unit, building a 450bhp Time Attack Focus!
Posts: 5,810
Likes: 0
Received 2 Likes on 2 Posts
Default

Originally Posted by paul16v
Good stuff Will sounds like it could have turned into a major headache, so are you going to get the correct unit from them or are you going elsewhere now?
Dealing with a UK supplier now - it would have been a good bit of kit for what i paid for it if it had been right - however, for ease now i think i'll grab a Garrett GT series
Old 19-01-2010, 03:31 PM
  #21  
cossie4i+
TT T38 Power
iTrader: (15)
 
cossie4i+'s Avatar
 
Join Date: Apr 2005
Location: Somerset
Posts: 22,368
Received 32 Likes on 29 Posts
Default

At least its sorted and cost you nothing

Steve
Old 19-01-2010, 03:47 PM
  #22  
Big Will_
Borg Warner EFR Equipped!
Thread Starter
 
Big Will_'s Avatar
 
Join Date: Apr 2005
Location: In the unit, building a 450bhp Time Attack Focus!
Posts: 5,810
Likes: 0
Received 2 Likes on 2 Posts
Default

Originally Posted by cossie4i
At least its sorted and cost you nothing

Steve
Yup. Best possible resolution!
Old 19-01-2010, 10:39 PM
  #23  
PAUL V
Too many posts.. I need a life!!
 
PAUL V's Avatar
 
Join Date: May 2004
Location: shropshire
Posts: 788
Received 4 Likes on 4 Posts
Default

Originally Posted by Will @ M Developments
Yup. Best possible resolution!

Was it this company by chance ? http://www.titanmotorsports.com/
Old 20-01-2010, 07:02 AM
  #24  
Big Will_
Borg Warner EFR Equipped!
Thread Starter
 
Big Will_'s Avatar
 
Join Date: Apr 2005
Location: In the unit, building a 450bhp Time Attack Focus!
Posts: 5,810
Likes: 0
Received 2 Likes on 2 Posts
Default

Originally Posted by PAUL V
Was it this company by chance ? http://www.titanmotorsports.com/

Yup
Related Topics
Thread
Thread Starter
Forum
Replies
Last Post
mark94
Ford Mondeo Including ST
5
10-10-2023 06:52 PM
nicodinho
Ford Non RS / XR / ST parts for sale.
6
07-10-2015 12:56 PM
DAZZER
Ford Escort RS Turbo
5
30-09-2015 08:43 PM
IainRS1700T
Cars for Sale
9
25-09-2015 06:44 AM



Quick Reply: Stopping payments on credit cards?



All times are GMT. The time now is 03:08 PM.