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When ecommerce goes bad - oldbloke's mutterings

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March 21st, 2012
09:27 pm
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When ecommerce goes bad
So...
If you order online, they take the payment, the delivery date keeps being put back, so you cancel, they promise a refund, it never arrives, you contact Barclaycard, get the dispute forms, and the day you post them back the company disappears from the web...
How likely are you to see your money again?

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From:drdoug
Date:March 21st, 2012 09:38 pm (UTC)
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You'll get nothing from the company, I would guess - unless you're lucky and they've only gone bust, in which case you might get a few pennies on the pound from the receiver in a couple of years' time.

But Barclaycard might cough up.

If it was a credit card purchase for more than £100 (and less than about £30k from memory), you're in jam - the card issuer is jointly liable for the entire amount so you'll definitely get the dosh from them.

If it was less than £100, it's less legally cut and dried, but they might refund it on a goodwill basis. Definitely worth trying it on.

Good luck!
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From:oldbloke
Date:March 21st, 2012 09:44 pm (UTC)
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It's only 33 quid, so I guess it's up to whether Barclaycard are in a good mood. Though I do see from a thread on Moneysavingexpert that some people did get their long-promised refunds just as the company folded.
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From:sidheag
Date:March 21st, 2012 10:03 pm (UTC)
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I bet you'll get it from Barclaycard.
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From:perdita_fysh
Date:March 21st, 2012 10:22 pm (UTC)
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That's the point of using a credit card isn't it?
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From:oldbloke
Date:March 21st, 2012 10:28 pm (UTC)
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Well, with a debit card you're entirely at the mercy of whether the bank is in a good mood; but as Doug says, the credit card co isn't actually liable until you get to £100, so in this case I still have to hope they're in a good mood.

(Deleted comment)
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From:oldbloke
Date:March 21st, 2012 10:57 pm (UTC)
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Apparently it's been known to happen. Can't give you a cite offhand
(Deleted comment)
From:mhoulden
Date:March 21st, 2012 10:54 pm (UTC)

Re: Can I have my money back, please?

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Visa and Mastercard have zero liability guarantees for fraud on top of the Consumer Credit Act, which apply to both credit and debit cards:
http://www.visa.co.uk/en/security/online_security/shop_safely_online.aspx
(couldn't find a link to the Mastercard UK policy)
(Deleted comment)
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From:oldbloke
Date:March 21st, 2012 10:56 pm (UTC)
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Damon Parsons worked it as a little network of 5 or 6 companies. One of them's showing liquidation, the others in my part of the chain don't show anything yet.

I see at the end of Jan he set up The Online Shopping Company (UK) LTD - take out the (UK) and you have the one that's gone. Stay away from the new one too, this guy has a history.

Edited at 2012-03-23 08:27 am (UTC)
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