I am new hear and looking for a bit of advice.
I have a customer processing a chargeback against me for a used car they bought, the car turned out to have a lot of serious faults that i didnt know about and were only discovered after the customer had payed the balance on their visa debit card and it was delivered to them.
They found the faults 2 days later when the car was checked by a main dealer, they asked to return the car and i refused as i felt the main dealer was being picky, they have since had the car inspected by and engineer and have a report to say that these faults are long standing so were there when they bought the car, i really didnt know but did refuse to accept the car back.
The customer is charging back £3000, the repair bill comes to around £4000, my processor has refused the chargeback as the car wasnt returned so the customers bank have now sent it to visa for a decision, does anyone think i will lose this case and if so will i have to take the car back and refund the rest of the money.
The reason code for the chargeback is item not as described.