credit card protection

[DEBTAYLOR63]

I received counterfeit goods after purchasing off the internet. As I paid with my credit card, which offers internet fraud protection, I approached them for assistance. I have received a letter from them saying that " The Bank has no liability". Can you tell me what constitutes fraud and is it worth pursuing the matter further? Many thanks

[Ethel]

Firstly, how much were the goods?

How did you pay? Did you pay the seller directly, or through PayPal or MoneyExpress or similar?

Was the seller a business seller? If so, have you reported it to Trading Standards?

What were the goods? Is it something FACT would be interested in?

[DEBTAYLOR63]

It was GHD hair straighteners that I ordered, they cost �75. It said the payment went through Paypal, but I don't think it actually did. It turned out the goods where actually coming from China, although there was no mention of that on the web site. I did report this to customs and excise, but got no response

[Ethel]

If you paid through PayPal with your credit card then the credit card company is not liable at all. There has to be a direct link between you (the buyer), the credit card company and the seller.
PayPal breaks this link.

However, if you bought them through eBay than you should be able to file a Significantly Not as Described (SNAD) with PayPal for a refund.

If this is the case, you must get documented proof that the goods are fake - do this before you file the SNAD as the time scale is very tight. Hopefully your local Trading Standards Officer will be happy to provide a letter on headed paper stating they are fake.