Website won't honour guarantee. Can I get Visa to chargeback?

[kendon19]

I joined a stock-related membership site based in the UK two weeks ago. Although there is nothing fundamentally wrong with the service, it really wasn't working for me. I contacted the site and requested a refund, as their site states "100% Satisfaction Guarantee". To be fair, the site also states that if you can show that the product wasn't going to make you financially independent by showing what trades you took, then they'd give the money back.

I hardly took any trades, because in the two weeks I was a member of their site they offered only a handful, and most of those lost money. Luckily I was only using a demo account.

I received an email back from their support saying that their guarantee is not unconditional. When I replied stating that their terms are subjective at best and that they state on their site that they offer a 100% satisfaction guarantee they failed to write back, as of yet anyway.

I contacted Visa and they said that because it's a satisfaction issue that they wouldn't do anything about it. That seems extremely unfair to the consumer - I use a credit card for purchase protection, yet any business can go back on their guarantee without repercussions? Was it simply the representative I was talking to, or does this sound like general RBC Visa policy? Should I push the issue with RBC Visa, or just take my lumps?

[lalla3]

Call the site again and get a supervisor on the phone and demand your money back. See if you can get a corporate phone number and call them as well. Tell them you will take it further and report them to The Office of Fair Trading.

http://www.oft.gov.uk/

Good luck

[philibert63]

I joined a stock-related membership site based in the UK two weeks ago. Although there is nothing fundamentally wrong with the service, it really wasn't working for me. I contacted the site and requested a refund, as their site states "100% Satisfaction Guarantee". To be fair, the site also states that if you can show that the product wasn't going to make you financially independent by showing what trades you took, then they'd give the money back.

I hardly took any trades, because in the two weeks I was a member of their site they offered only a handful, and most of those lost money. Luckily I was only using a demo account.

I received an email back from their support saying that their guarantee is not unconditional. When I replied stating that their terms are subjective at best and that they state on their site that they offer a 100% satisfaction guarantee they failed to write back, as of yet anyway.

I contacted Visa and they said that because it's a satisfaction issue that they wouldn't do anything about it. That seems extremely unfair to the consumer - I use a credit card for purchase protection, yet any business can go back on their guarantee without repercussions? Was it simply the representative I was talking to, or does this sound like general RBC Visa policy? Should I push the issue with RBC Visa, or just take my lumps?