A few months ago I received a letter from 'NBCS' saying they were a civil recovery firm, demanding money on behalf of their client House of Fraser.
Basically, I made quite a large order a while ago and about £300 worth of goods didn't arrive. House of Fraser rejected my complaint and said that the items did arrive, so I went to my card company. They refunded me after their investigation. House of Fraser disputed this, but their dispute was rejected by VISA.
Initially I thought that they haven't got a leg to stand on? A S75 claim is considered a legal remedy I believe?
House of Fraser have confirmed NBCS are acting on their behalf, and they both have said they now intend to go to court, as I have told them several times that I won't be paying.
What has me concerned is that they have said they have extremely strong evidence - CCTV, packaging and delivery receipts etc etc - that prove the items were indeed delivered. I can't possibly see that this can be true. At first I thought they were just trying to scare me, as these companies do, but what happens if these items were lost or removed at some point in the supply chain that their 'evidence' doesn't highlight? Could I be in trouble?
I have had issues with HoF in the past, and so I actually recorded me opening the parcel (I do this with large orders, or orders where I have had issues with the retailer in the past). It shows clearly that the items were indeed missing, but I appreciate this is unusual behaviour and might be construed as being 'set up' in order to commit fraud? I have never ever had issues with a large order before, despite taking tens of videos, but am worried that it could somehow be used against me?
If they do indeed take me to court and I lose, I imagine I could be down well over a grand for the sake of £300, and could also lose my job.
Really not sure what to do. I feel like I've done everything I possibly could have done and they're still bullying me.
Basically, I made quite a large order a while ago and about £300 worth of goods didn't arrive. House of Fraser rejected my complaint and said that the items did arrive, so I went to my card company. They refunded me after their investigation. House of Fraser disputed this, but their dispute was rejected by VISA.
Initially I thought that they haven't got a leg to stand on? A S75 claim is considered a legal remedy I believe?
House of Fraser have confirmed NBCS are acting on their behalf, and they both have said they now intend to go to court, as I have told them several times that I won't be paying.
What has me concerned is that they have said they have extremely strong evidence - CCTV, packaging and delivery receipts etc etc - that prove the items were indeed delivered. I can't possibly see that this can be true. At first I thought they were just trying to scare me, as these companies do, but what happens if these items were lost or removed at some point in the supply chain that their 'evidence' doesn't highlight? Could I be in trouble?
I have had issues with HoF in the past, and so I actually recorded me opening the parcel (I do this with large orders, or orders where I have had issues with the retailer in the past). It shows clearly that the items were indeed missing, but I appreciate this is unusual behaviour and might be construed as being 'set up' in order to commit fraud? I have never ever had issues with a large order before, despite taking tens of videos, but am worried that it could somehow be used against me?
If they do indeed take me to court and I lose, I imagine I could be down well over a grand for the sake of £300, and could also lose my job.
Really not sure what to do. I feel like I've done everything I possibly could have done and they're still bullying me.
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