Originally Posted by 365drills

Also: Big Shout Out to Liz - Who spotted the publication. Well done GR. I also trawled the net but went in totally the wrong direction even forgetting they were Essex and I was looking under Diamond. You did good !

yeah she has her uses

Well done all with your help on this. I'll get onto them tomorrow.

Hi mate,

I actually used a debit not a credit card, does this make a big difference in what you posted above?

Kind Regards

Jim

Yes a big difference. One you wont like.

A debit card is like giving someone cash. You are NOT protected. A credit card would have given you protection. I am sorry if it is not the answer you wanted to read.

But in effect by paying on a Debit Card you get no protection.

This does not apply to a Visa Debit card. If its that - you are protected !

It is indeed visa debit, sorry for coming across as ignorant here but i have been in a situation like this before. What action do i take from here?
Contact my bank and explain the situation and go from there or is there a set procedure i should follow?

Jim

I'd give your bank a call and see what they say

i found this guys for people who paid on credit or visa debit card

Section 75 refunds: Free protection for ALL spending...

If services you bought with your Visa Debit Card do not materialise, then you should contact the bank who has provided you with your Visa debit card within 120 days, requesting they initiate the chargeback process.

It does not mean you will automatically and immediately get your money back. It will initially become a ‘dispute’ in which the claim will be fully investigated by both banks before any money is returned.

All banks who issue Visa cards have only recently agreed to process chargeback requests, and there is still widespread confusion over what it is and how it works. Therefore if you meet a dead end in your discussions with bank staff, persist. The facility is there for you to take advantage of.

The process is called Visa Debit Chargeback, and, as the name suggests, is a procedure in which the banks will ‘charge back’ the value of the original transaction directly from the supplier’s bank, and pass this amount on to you

And unlike your credit card, which imposes a minimum spend of £100, you can claim back any amount of money.

Originally Posted by 365drills

Also: Big Shout Out to Liz - Who spotted the publication. Well done GR. I also trawled the net but went in totally the wrong direction even forgetting they were Essex and I was looking under Diamond. You did good !

Ok, ok, I'll let you into my secret. It was 2 google searches. The first one was something along the lines of "how do I find out who the administrators are" and that took me to an informative forum that told people to try the London Gazette. So I googled London Gazette and found their search page. I remembered that Diamond was just a trading style of Essex Tiling so searched for Essex Tiling and up it popped. Very easy thanks to the internet. I wonder how people would have found those details before the marvels of modern technology.

The High Court that hears the bankruptcy cases always list them in the London Gazette plus 3 other papers that are published from where the bankrupt person is known to live or trade.
All the banks have people that check the gazette daily and then cross reference the names and details with their account information.
If they find that you have an account with them then its instantly frozen.

The banks have a duty to do this because once an order of bankruptcy has been issued and somehow the person manages to withdraw loads of cash from a secret bank account then that bank has to answer to the official receiver.

Big Bro is watching.

Just for anyone reading this. Our Forum member "DiamondTiling" has no connection with the Diamond Training Group . This is to avoid any confusion over the similar names.

I spoke with the liquidators 'Thornton Rose' the other day who have informed me that Essex Tiling has no assets that can be used to refund people like me. I have requested this in writing from them as this is what my Credit Card Company are requesting. Once I pass this confirmation back to the Credit Card peeps I should get the refund.

Anyone who needs to contact them the chap in charge of the case is Imran - 0208 4189333.

I'll keep you all posted.

They were skint then

It would appear so.......

Just a horrible situation for guys like yourself

Yeah, very pleased I went down the route of using the Credit Card, always do for these kind of transactions.
Just wish I had gone with Able Skills from the start, would have made things much simpler :-)

hope you get it all sorted Charlie

Thanks! I'll be on here either way to shout about it

This really is sad to read.

Quick Update. Tesco Mastercard (who I have credit card with) have credited my account with the amount I had paid out to Diamond. Mastercard now pass the issue over to Diamond's bank to resolve.

So hopefully that is now the end of this......

glad u got your money back cha

Good to know it worked out for you

good news Charlie

Good result Charlie

Great news charlie

Originally Posted by Max@ableskills

Great news charlie

And thanks to your colleague Terry for the great training up at Able Skills :-)

Charlie thanks for letting us know about your great news, as your creditcard is with tesco i thought i would check mine online and yipee i have recieved my money back to. You would have thought tesco would have told me but least they paid up.

Cool, please to hear it. I hot a letter from Tesco confirming it all about a week ago.

nice one guys

I've just seen this topic. I paid diamond for a 6-week course of which I completed 4 weeks and then had an agreement to come back this month to finish the rest of it. I paid in full in good faith. I'm pretty cross....they must have known when I paid that they were going down yet it didn't stop them from insisting that I pay the money.

I'm hoping my credit card company will give me some back but it was quite some time ago so I don't know if they will.

I hope I get back some of this money, is there anywhere else I can learn mosaic tiling, tanking and underfloor heating stuff? I never got the chance to do this....