This post is in no way against Tesco Bank, in fact I'm really happy with how they supported, and agreed with all evidence that was provided to result in a successful Section 75 Chargeback.
The chargeback was in relation to two products that were purchased from House of Fraser. The dispute was on the grounds of inaccurate, misleading advertising on products in 2022.
A 'Blue Shirt' was promoted with images showing white buttons, and the description also stated this. When challenged, the retailer initially advised I'd received the wrong item, and sent a replacement.
Then when this item was exactly the same, HOF advised if I wasn't happy I'd need to pay to return the items for a credit note (not a refund) as the items were adequate and website images were taken in 'lighting conditions' that would change the look of the item that was being sold.
The Section 75 dispute was successful and I was issued a full refund for the impacted items.
Today, out of the blue I received an email from House of Fraser Digital Risk Team, the email outlined:
"At Frasers Group, we regularly review customer profiles. It's been brought to our attention that you raised a dispute on order in subject. Due to this chargeback, we have made the decision to suspend your account. We can also see that the bank closed this dispute in your favour".
This means my online account is suspended for all Fraser Group sites (House of Fraser, Sports Direct, Flannels, Game etc).
Based on the fact the section 75 dispute was successful as HOF acted wrong, it seems utterly unfair that I am effectively 'banned' for proving the retailer was wrong.
I'm wondering if anyone has had similar experiences either with HOF or other retailers and if any further action was taken against the retailer.
Hey @jackvockins, thanks for getting in touch and leaving us great feedback around a successful section 75. I'm sorry to hear about your experience here. Please let us know if there is anything else we can do to help you further 🙂
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Tesco Bank Community Terms of Service v 1.0
The Tesco Bank online community ('Your Community') is for Tesco Bank customers, staff, contributors and supporters to discuss products, services, issues and matters of general interest. Your Community content may be viewed by both members and non-members.
We encourage you to enjoy Your Community. However, please note that by using Your Community, you're confirming to us that you've read and have agreed to be bound by these Terms of Service and our House Rules. If you're unable to accept these Terms of Service and/or our House Rules for any reason, please do not use Your Community.
To the extent that there's any conflict between these Terms of Service, our House Rules, or any other document, posting or communication connected to Your Community, these Terms of Service will prevail.
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not be the same as, or similar to, your Tesco Bank internet banking username or password (if you're a Tesco Bank customer) or the username or password for any other sites you may use;
not contain any details you don't wish to be viewed by the general public; and
not be defamatory, offensive, impersonate any other person or entity, infringe the intellectual property rights of any person or entity, or otherwise mislead or deceive others.
We reserve the right to reject any username or remove any image that we determine in our sole discretion is unacceptable for use as a username or image in Your Community.
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Misuse
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We ask that you do not post any personal information to Your Community, such as your full name, contact details or account numbers. We also ask that you do not post personal information about others, or ask others to disclose their own personal information on Your Community. In some specific and rare circumstances we may offer you the option to provide us with personal information via the private messaging function of Your Community. You will not be under any obligation to do this, but it may assist us in helping you.
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Access and correction
We reserve the right to instruct the moderators to remove any posts in Your Community containing phone numbers, street addresses, or otherwise personally identifying information on the grounds that we're not able to verify the information as being your personal information or that of a third party.
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You agree to indemnify, defend, and hold harmless from and against any and all losses, damages, liabilities and costs (including, without limitation, settlement costs and any legal or other fees and expenses for investigating or defending any actions or threatened actions) incurred by the Indemnified Parties in connection with any claim arising out of any breach by you of these Terms of Service or the House Rules or claims arising from your content or conduct. 'Indemnified Parties' includes us, the moderators, and all respective officers, directors, owners, employees, agents, representatives, and assigns.
You agree to cooperate with us in the defence of any claim. We reserve the right, at our own expense, to employ separate legal representation and assume the exclusive defence and control of any matter subject to indemnification by you.
All third party content (content posted or communicated by registered users including any content) is the sole responsibility of the registered user posting or communicating the content. You acknowledge and agree that we don't control and are not responsible for the third party content. As such, you shall fully indemnify us against any claim (including solicitor fees) arising out of content you post or otherwise make available on Your Community or your use of Your Community.
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You agree that, to the maximum extent permitted by law, at no time will we (including our officers, directors, owners, employees, agents, representatives and assigns and the moderators) be liable for any costs, direct or indirect loss or damages, consequential loss, howsoever arising out of your use of Your Community, the content you or other users post or otherwise make available on Your Community (including, but not limited to, damages relating to loss of business, loss of money, telecommunications matters, exposure to any form of virus, bugs or such other malicious code, theft, damages or other losses you or any third party may suffer) regardless of whether the claim is based on breach of contract, breach of warranty, tort (including negligence), product liability or otherwise.
Choice of law and location for resolving disputes
You agree that the laws of Scotland govern these Terms of Service and any claim or dispute that you may have against us will be resolved in Scottish courts only.
Modifying these Terms of Service
We reserve the right, in our sole discretion, to modify these Terms of Service at any time without notice. Modified Terms of Service are effective as soon as they are posted. We also reserve the right to waive or modify any of these Terms of Service as they apply to a specific posting, communication or user without affecting the application of these Terms of Service to all other postings, communications and users. Your continued use of Your Community, or any content or services accessible through it, after modified Terms of Service are posted means you accept the modifications. We may also make any changes to the look and feel of Your Community at any time without notice.
CarolineD
