Can someone please help me? I purchased some large items online with a merchant based in Yorkshire, I paid using my Visa card to the sum of £206.75. The items were of poor quality and it was agreed with the merchant to return them for a refund, in the meantime I contacted Visa to let them know. As they did not offer a return service, this cost me an additional £55 to find a courier that could deliver these items, by this time Barclaycard had suspended the payment (this was in late April 2013). After a load of backwards and forwards with Barclaycard, they have now said that they cannot uphold my claim as the items according to the merchant were delivered in a used and unsalable state. This is not the case and although I have argued this point until I am blue in the face, Barclaycard keep saying that my description of the facts contradicts the merchants - Is this not protecting the merchant in this case? Barclays eventually asked me to try and resolve this myself directly with the merchant so on Friday 23rd August I did just that, their customer care team informed me that the items were signed for as damaged and may have been in a good condition when dispatched but were not on delivery!? No one has thought of mentioning this until last week, I now find that I cannot even claim from the courier service as they have a 3 day cut off for any losses or damage claims Surely, as the information I have been given by Barclaycard for the last few months was incorrect or misinterpreted they should now stand the cost of the refund and I should not find myself out of pocket? The cream on the cake was that the merchant also refuses to even return my goods but I am more than welcome to come and collect them - Again they know this is impossible without a specialist courier service at even more cost. I stand to lose my initial payment of £206.75, a return delivery cost of £55.00 and I have nothing to show for the money I have forked out........Is this fair?