There are other scenarios. For example, returning goods within the return period and not receiving a refund. I have successfully disputed these situations too.

That has not been my experience. For example, a provider charged me for an additional year of service even though I had cancelled my subscription prior to the renewal date. The credit card company dealt with this when I got nowhere with the provider involved.

Again, if you return goods according to the return policy and don't get credited, you can file a dispute. As you say, if the goods are not as described, you can file a dispute. You can do this even if you have since paid the credit card balance - paying the balance does not affect your ability to file a dispute. Sometimes balances are paid before you have even received the goods/services.

Not sure if everyone has a time limit (I know that Discover in the US do not). If there is one it will likely vary by credit card company. For a better chance of success, it obviously makes sense to file the dispute as soon as possible.

Actually you can. If the goods are not as advertised, you can file a dispute (obviously try to resolve the issue with the merchant first). It's possible to pay the credit card balance before the goods have even arrived. That does not invalidate your ability to file a dispute.

We buy most of our electronic items from Costco. They give you an extra year's warranty...on top of the manufacturers warranty. We also have a Costco Amex card...that gives us another year's warranty...which means we have 3 years warranty. We made a claim for a laptop which died just before the 3 year deadline. Cheque issued for a full refund...no problem.

It's enough to put you off buying anything.

When I was first in Canada - at the inlaws in Montreal - the line up of people in Walmart carrying stuff they'd bought there quite put me off.

But then maybe it wasn't suggestive of faulty goods so much as a good exchange/refund policy.

Yeah - the amount of stuff returned was one of the first things I noticed in Canada & the US. My wife will often buy multiple items of clothing just so she or the kids can try them on in the comfort of their own home. Sometimes they'll keep something but most of the time the entire batch is returned. If you're dealing with a large retailer, they have very good return policies.

People in the UK always seemed more hesitant about taking stuff back (like it was a crime or something) and there always seemed to be a grilling from customer service as to why it had to be returned.

I wish I'd purchased my truck by credit card (the merchant fees might have stung the dealership a little).

After 8 months of problems Ford can't fix it. They want me to buy a new one. Whatever happened to honouring a warranty, and if the product fails, replacing it?

Four letters. Four letters in the English language.

Well, at least you didn't but a Maserati...

http://www.standard.co.uk/news/world...i-8617089.html

http://www.camvap.ca/

I submitted details to them 3 months ago. Chased them up numerous times. I'm 'on file', whatever that means. It's stupidly arduous trying to get anywhere.

If you think it's funny, I'll happily give you 4 letters.

Hmmmm....that doesn't seem typical. I know a few people who have used them successfully and it didn't take that long. This is from their web site:

"From start to finish, CAMVAP targets 70 days to resolve a case. We work to set up your hearing within 50 days of receiving your completed application. Then, approximately 14 days after your hearing, we will send you the arbitrator's Award."

Yes, I know. It should be pretty straightforward. I've had no correspondence since their initial confirmation of receipt concerning my complaint.

Maybe CIC have taken them over?

Rich... Our of interest what is the model and problem? I was looking at an F350 for our business later this year. Also considering similar GM offerings.

2012 F150 FX4 Ecoboost

When the transmission is in manual (to provide engine braking while descending a hill, for example), the engine surges, revs rise then immediately fall. It cycles like this constantly, even under braking. When towing it feels particualrly dangerous, as the trailer surge brakes are effectively being pumped on and off.

Ford's fitted data recorders on 3 occasions, flown in a 'super technician' to diagnose things and not come up with a solution. They've told me not to use the transmission in manual and to try and avoid long hill descents (in BC, FFS). They've not attempted to fit any new parts, just reset the ECU in a vain attempt to fix it.

Two months ago they admitted they had no resolution to offer and I would be sourced a replacement truck. This week I was told that they can't find an equivalently equipped truck, but I was welcome to purchase whatever my local dealer has in stock. I was offered bottom book trade on my unrepaired truck.

RICH, That's horrendous. I know Ford does have a problem with cam phasers (I have no idea of the spelling or really what they do) Mustangs and F150's do suffer with them. I think you should be given an equivalent model at no extra cost to yourself personally. Hope you get some sort of resolution.

I know my husband got called by the hotline a few weeks ago asking him how he fixed a problem so they could let other people know, can't remember what that was though.