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Hi,
I ordered an item online and when I received it, it had been tampered with. The tampering of the package was not obvious at first sight, hence I signed for the delivery and took it. After opening and seeing no items inside I carefully inspected the package and noticed it had been tampered with. I immediately contacted the merchant and notified them. After some time they refused to deal with the situation so I contacted my bank who removed the amount of my credit card and started their investigation.
Nationwide has now sent their final response by saying:
"... on this occasion, we don't have enough evidence to show you hadn't received the goods. The documentation provided by the merchant shows the weight of the parcel sent to you.
Not only this, it was outlined to you, not to accept the parcel if there was any damage to it. Whilst I fully appreciate there wasn't any immediate damage that was noticeable, as you signed for the parcel you have accepted the parcel in the condition it was in when delivered. Therefore, we have no basis to raise a claim against the merchant."
I paid by a credit card because I thought I was covered for things like this but clearly the bank seems to think otherwise. Will the financial ombudsman say the same thing or will they actually help me? Or should I try to take legal action against the bank?
Thanks,
John
I ordered an item online and when I received it, it had been tampered with. The tampering of the package was not obvious at first sight, hence I signed for the delivery and took it. After opening and seeing no items inside I carefully inspected the package and noticed it had been tampered with. I immediately contacted the merchant and notified them. After some time they refused to deal with the situation so I contacted my bank who removed the amount of my credit card and started their investigation.
Nationwide has now sent their final response by saying:
"... on this occasion, we don't have enough evidence to show you hadn't received the goods. The documentation provided by the merchant shows the weight of the parcel sent to you.
Not only this, it was outlined to you, not to accept the parcel if there was any damage to it. Whilst I fully appreciate there wasn't any immediate damage that was noticeable, as you signed for the parcel you have accepted the parcel in the condition it was in when delivered. Therefore, we have no basis to raise a claim against the merchant."
I paid by a credit card because I thought I was covered for things like this but clearly the bank seems to think otherwise. Will the financial ombudsman say the same thing or will they actually help me? Or should I try to take legal action against the bank?
Thanks,
John
