Credit Card Claim Denial

Summary

Under Section 75 of the Consumer Credit Act 1974, you can claim a refund from your credit card provider if a purchase between £100 and £30,000 is not delivered as agreed. If denied, it may be due to insufficient evidence, procedural errors, or a breach of contract claim due to withheld payment. Appeal by clarifying withheld payment reasons, providing evidence, and mentioning the companys administration status. Consider contacting the Financial Ombudsman Service for further review.

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I have given them a quote for what needs to be done and an explanation as to why the work is substandard, photos , e mail and text messages of me complaining and saying what I want done
It seems like you have provided substantial evidence for your claim under Section * of the Consumer Credit Act *. Capital One's denial might be due to procedural issues or a misunderstanding.
Have you considered appealing their decision or seeking assistance from the Financial Ombudsman Service to review your case?
Because I witheld final payment into the work was corrected, which it was not due to the company going into administration, they say I breached the contract
It sounds like you have a valid claim, but Capital One's argument hinges on the breach of contract due to withheld payment. You might consider appealing their decision, clarifying that the withholding was due to substandard work. Additionally, seeking assistance from the Financial Ombudsman Service could help assess the fairness of Capital One's decision.
Would you like more details on how to appeal or contact the Financial Ombudsman Service?
I told them about the substandard work more than once I also included the work that was done that was not asked for , wanted or needed
It seems like you have a strong case and sufficient evidence for your claim. To appeal Capital One's decision:
- Clarify that the payment was withheld due to substandard work.
- Highlight the evidence already provided.
- Mention the company's administration status and its impact on rectifying the work.
Would you like information on contacting the Financial Ombudsman Service for further assistance?
I have * independent quotes stating what is wrong with the work and what needs to be done to fix it, credit card company ignoes the quotes
It sounds like you have a strong case with substantial evidence.
You can appeal to the Financial Ombudsman Service (FOS) for further assistance:
- Clarify that payment was withheld due to substandard work.
- Provide the quotes, photos, and communication records.
- Mention the company's administration status.
Would you like details on how to contact the Financial Ombudsman Service?