Questions Of Cash: 'My disabled parents have lost out on scooter refund'


Q. My parents are both disabled and retired. They ordered two mobility scooters from Virgo Healthcare for £4,600 last March. They quickly discovered they were unable to use them, so they contacted Virgo Healthcare, which agree to a full refund and collected the scooters on 27 April. Since then, no refund has been supplied. KB, Hertfordshire.

A. At about the time you contacted us last year, Virgo Healthcare ceased trading. This followed a BBC programme which alleged that Virgo Healthcare systematically mis-sold disability products. Had your parents paid by credit card, we would have been optimistic that they would have recovered their losses, as credit suppliers are jointly liable for the supply of goods. Your parents instead paid by Visa debit card – which provides a more limited guarantee. You state that the reason why your parents rejected the mobility scooters was that they did not conform to the description provided by Virgo Healthcare. However, your parents merely said at the time that they were unable to use the scooters.

We have spent several months trying to persuade Lloyds, as issuer of your parents Visa debit cards, to accept that the goods were mis-sold and on this basis that the Visa guarantee should apply. Lloyds adamantly refuses to request a Visa chargeback. We believe that Lloyds should have sought a chargeback, rather than insist that it was debarred from doing so because your elderly parents did not initially fully explain why they had rejected the scooters.

Lloyds states: "Regrettably, the fact the company has ceased to trade has no bearing on the Visa chargeback rules and I am sorry to inform you, after further investigation, our position remains the same. The chargeback rules are determined by Visa and can only be applied if the goods are damaged or not as described. You have already stated the scooters were not damaged and the reason your parents wished to return them was because they were not able to use them. The chargeback rules will also not apply if the goods were delivered but then returned."

Hertfordshire Trading Standards has advised you to pursue the matter with the Financial Ombudsman: we agree. Trading standards officers in Derbyshire, where Virgo Healthcare was based, confirm that the company has ceased trading, but believe there are no assets left in the business against which your parents might recover their losses.

Q. We took my father on holiday to Egypt with Page & Moy. It was supposed to be a holiday of a lifetime after he was widowed. We picked Page & Moy because the hotels in its brochure appeared better than others, and we thought it would be worth paying the extra cost. But there were many problems: the hotels were in poor condition, the English guide was unhelpful and did not know much about Egypt; there were far too many people on the trip so we couldn't all get into rooms/tombs or hear the local guide. When I complained, Page & Moy only offered me £150 refund in vouchers, despite me asking for one third of the cost to be repaid. AP, Croydon.

A. Page & Moy apologises for your disappointment, but says that 95 per cent of holidaymakers on this tour rated it as excellent and 94 per cent said they would recommend it to a friend. However, future similar holidays will now be limited to a maximum number of 25 guests and tour guides must now be people with expert local knowledge and who live locally. Page & Moy has converted the refund offer from vouchers to a cash refund, but is not willing to increase the level of compensation. The total cost of your holiday was £1,650 for your party: you do not believe that the £150 refund represents a reasonable level of compensation. Page & Moy is a member of ABTA, the Association of British Travel Agents, which operates a dispute resolution scheme. We recommend that you pursue your complaint through ABTA.

Q. I recently applied for a bank account with First Direct. Initially I was warmly received by them, but then I found there was a problem with my Experian credit report. This was because I was wrongly shown as not being on the electoral register – a mistake that was rectified two years ago. LR, London.

A. Experian says that your credit report correctly shows you as being on the electoral register and this is not the reason for any problems you have with First Direct. The agency suggests you purchase a copy of your credit reference report – which can be obtained for £2 – that should enable you to determine where any problems actually lie. If, as seems likely, an adverse entry has been made as a result of a past dispute between yourself and a financial institution, you can request that you are allowed to insert an entry to summarise your own version of the dispute. Experian indicates that it will assist you in doing this.

Questions of Cash cannot give individual advice. But if you have a financial dilemma, we'll do our best to help. Please email us at: questionsofcash@ independent.co.uk.

Independent Partners; Do you need financial advice on your investments, pension or insurance? Book a free consultation with an independent Financial Adviser at VouchedFor.co.uk

Finacial products from our partners
Property search
  • Get to the point
Latest stories from i100
Have you tried new the Independent Digital Edition apps?
Independent Dating
and  

By clicking 'Search' you
are agreeing to our
Terms of Use.

ES Rentals

    iJobs Job Widget
    iJobs Money & Business

    Recruitment Genius: Financial Adviser

    £20000 - £60000 per annum: Recruitment Genius: Are you recently QCA Level 4 qu...

    SThree: Graduate Recruitment Resourcer

    £20000 - £22500 per annum + OTE £30K: SThree: SThree Group have been well esta...

    Guru Careers: Application Support Analyst / 1st Line Support

    £25 - 30k: Guru Careers: We are seeking an Application Support Analyst / 1st L...

    Guru Careers: .NET Developer / Web Developer

    £45K - £55K (DOE) + Benefits: Guru Careers: We are seeking a full stack .NET D...

    Day In a Page

    Not even the 'putrid throat' could stop the Ross Poldark swoon-fest'

    Not even the 'putrid throat' could stop the Ross Poldark swoon-fest'

    How a costume drama became a Sunday night staple
    Miliband promises no stamp duty for first-time buyers as he pushes Tories on housing

    Miliband promises no stamp duty for first-time buyers

    Labour leader pushes Tories on housing
    Aviation history is littered with grand failures - from the the Bristol Brabazon to Concorde - but what went wrong with the SuperJumbo?

    Aviation history is littered with grand failures

    But what went wrong with the SuperJumbo?
    Fear of Putin, Islamists and immigration is giving rise to a new generation of Soviet-style 'iron curtains' right across Europe

    Fortress Europe?

    Fear of Putin, Islamists and immigration is giving rise to a new generation of 'iron curtains'
    Never mind what you're wearing, it's what you're reclining on

    Never mind what you're wearing

    It's what you're reclining on that matters
    General Election 2015: Chuka Umunna on the benefits of immigration, humility – and his leader Ed Miliband

    Chuka Umunna: A virus of racism runs through Ukip

    The shadow business secretary on the benefits of immigration, humility – and his leader Ed Miliband
    Yemen crisis: This exotic war will soon become Europe's problem

    Yemen's exotic war will soon affect Europe

    Terrorism and boatloads of desperate migrants will be the outcome of the Saudi air campaign, says Patrick Cockburn
    Marginal Streets project aims to document voters in the run-up to the General Election

    Marginal Streets project documents voters

    Independent photographers Joseph Fox and Orlando Gili are uploading two portraits of constituents to their website for each day of the campaign
    Game of Thrones: Visit the real-life kingdom of Westeros to see where violent history ends and telly tourism begins

    The real-life kingdom of Westeros

    Is there something a little uncomfortable about Game of Thrones shooting in Northern Ireland?
    How to survive a social-media mauling, by the tough women of Twitter

    How to survive a Twitter mauling

    Mary Beard, Caroline Criado-Perez, Louise Mensch, Bunny La Roche and Courtney Barrasford reveal how to trounce the trolls
    Gallipoli centenary: At dawn, the young remember the young who perished in one of the First World War's bloodiest battles

    At dawn, the young remember the young

    A century ago, soldiers of the Empire – many no more than boys – spilt on to Gallipoli’s beaches. On this 100th Anzac Day, there are personal, poetic tributes to their sacrifice
    Dissent is slowly building against the billions spent on presidential campaigns – even among politicians themselves

    Follow the money as never before

    Dissent is slowly building against the billions spent on presidential campaigns – even among politicians themselves, reports Rupert Cornwell
    Samuel West interview: The actor and director on austerity, unionisation, and not mentioning his famous parents

    Samuel West interview

    The actor and director on austerity, unionisation, and not mentioning his famous parents
    General Election 2015: Imagine if the leading political parties were fashion labels

    Imagine if the leading political parties were fashion labels

    Fashion editor, Alexander Fury, on what the leaders' appearances tell us about them
    Phumzile Mlambo-Ngcuka: Home can be the unsafest place for women

    Phumzile Mlambo-Ngcuka: Home can be the unsafest place for women

    The architect of the HeForShe movement and head of UN Women on the world's failure to combat domestic violence