Thanks Siliconslave, that I can use to my advantage!
I'll explain whats happened though.
27th Oct - Called Repaircare (homeserve) to arrange a fix of a fridge/freezer, arranged for quarterly payments starting 1st November
2nd Nov - Engineer out, confirmed it didnt work, did a temporary fix on it to tie us over while he ordered the parts. No payment made yet.
14th Nov - No contact, so I rang in as I know parts can take a while and the temp fix had only just died the day before.. told that, on the 2nd of Nov the engineer couldnt get hold of the parts and that I'd be refunded the difference between the callout charge and the initial first payment (£53.50 for first payment vs £45 for a callout, meaning I'm owed £8.50) which I thought was odd as I hadnt actually paid anything yet. Said they'd get back to me
18th Nov - Full amount of £214 goes out, I immediately call and ask wtf. It took me EIGHT different people to get to someone who could help, thank god its an 0800. Said he'd raise it with his line manager and get back to me.
24th Nov - Rang again today as no-ones called me to tell me whats going on, took me five different people to get through to someone who could help. To be told that an "investigation" needs to be done which can take up to EIGHT weeks but USUALLY resolved in four.
I wouldn't be so bothered but if at the time I could have afforded to spend £214 I'd have just bought a new fridge as I already have a spare freezer from when I used to rent rooms out but as it was.. our budget with xmas + babys first birthday being xmas eve, car tax for both cars and still paying off our excursion to my mates Navy passing out parade (over 700 with accomodation/petrol.. drove over 700miles for it, dropping the baby and dog at my mums.. could have gone abroad
![Roll Eyes :rolleyes: :rolleyes:](/styles/default/xenforo/vbSmilies/Normal/rolleyes.gif)
but thats what you do for a mate of 19years!) we're a little in the red as it is so we were super managing the money and this was an ideal solution as paying it over 12 months wasn't going to cost us anymore than paying it in one go. I deliberately made sure it was the quarterly on the phone to avoid this situation.
So we're quite literally short by how much Homeserve/Repaircare owe us. I'm hoping if I get the chargeback done by the 1st that it'll all be ok, luckily if the mortgage bounces then its re-applied for after 7days but I just don't like it when that happens. I'm not sure if that even affects the credit rating as a missed payment, I imagine it does.
So I'm after £169 back but tbh I'd rather just take the lot back and they can come find me when they want the callout charge back after all of this. I doubt the bank would do a partial chargeback anyway. I'm more than happy to pay for it as its actually cheaper than calling out a local repairman from what I found, its why I went for this option to begin with.
Some of the peoples attitudes I spoke to was appalling and instantly put me in a bad mood right from the start. I also hate being passed through to a department for them to answer "Hello?" as if I've just rung someones landline for them to then get snotty with me again.