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Thursday, October 27, 2016

WHIRLPOOL EXPLODING DRYERS: You CAN claim a refund from your credit card company for Hotpoint tumble dryers, Ombudsman rules


You CAN claim a refund from your credit card company for Hotpoint tumble dryers, Ombudsman rules


Hotpoint are based in Peterborough, so we were delighted to find that the Ombudsman has finally stepped in.  A faulty Hotpoint tumble dryer owner who was refused a refund by his credit card provider Nationwide has had the decision overturned by the Ombudsman – triggering a rethink by the building society on other similar cases.

Here's what the ruling means and how you can try to claim from your credit card company.
MoneySaver Kris asked Nationwide for his money back after being told that his dryer was a potential fire risk and that he would have to wait almost a year for a repair by the manufacturer.

He was confident he could rely on Section 75 of the Consumer Credit Act 1974, which says that if you pay for goods that cost between £100 and £30,000 and you pay for any of it on a credit card, the credit company is jointly liable with the retailer if anything goes wrong.

But Kris was rebuffed by the building society, which told him he couldn't have a refund because Hotpoint had acted reasonably in its offer to fix it free of charge. Unwilling to accept a fire hazard in his home for almost 12 months, he took his case to the Financial Ombudsman Service (FOS), which has now ruled Nationwide must pay up.

Its decision has led the building society to review about 30 similar cases, and given fresh hope to millions of Hotpoint and Indesit customers who are still waiting to have their tumble dryers repaired and want a refund - though the FOS told us it will continue to review claims "on a case-by-case basis".

Hotpoint tumble dryer help for full info on what to try.

Hotpoint hiatus

In November 2015, Hotpoint's parent company Whirlpool announced a fire risk meant millions of potentially dangerous tumble dryers sold between April 2004 and October 2015 under the Hotpoint, Indesit and Creda brand names would have to be repaired.

However, many affected customers have been told they'll have to wait months for the company to send round an engineer to fix the malfunctioning machines free of charge. has been inundated with emails from concerned customers. In March, we published
a guide with three tricks to try if you don't want to wait months for a repair, or would prefer a refund or replacement anyway. These were:

  • Asking Whirlpool for a refund or replacement instead of a repair anyway. While the official word from the company is that it isn't offering repairs or replacements, lots of MoneySavers who've tried their luck have had success going down this road – particularly when using social media to complain.

  • Going to the shop you bought the dryer from. Many MoneySavers have had success contacting the retailer and seeking a refund or replacement under the Consumer Rights Act (and the Sale of Goods Act, which applies to goods bought before 1 October 2015). See our Consumer Rights guide for more on this.

  • Going to your credit card company if you paid on credit card. This involves seeking a Section 75 refund, as Kris tried – for more info on how this works and how to claim, see our Section 75 guide. Success isn't guaranteed though and MoneySavers have reported mixed results trying this – which makes the latest FOS ruling particularly significant.

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THE HIGH COURT has ruled....People have a right to lampoon and criticise politicians and public officials under the Human Rights Act, the High Court has ruled.

We have the full High Court judgment, saved as a page on here. l

ampoon (lampoon) Pronunciation: /lamˈpuːn/ verb [with object] publicly criticize (someone or something) by using ridicule, irony, or sarcasm: the actor was lampooned by the press noun a speech or text lampooning someone or something: the magazine fired at God, Royalty, and politicians, using cartoons and lampoons.

Derivatives: lampooner noun lampoonery noun lampoonist noun Origin: mid 17th century: from French lampon, said to be from lampons 'let us drink' (used as a refrain), from lamper 'gulp down', nasalized form of laper 'to lap (liquid).


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