Section 75 refunds - article discussion

Many thanks for your reply. You said in an earlier post (including an article by Martin (if I recall correctly ''As long as the item is between £100-30000''.) So I assumed the £100.00 was covered.

You also said: ''also you only paid £85 on your card'', I thought any minimum amount would do and your covered for the whole lot?

Further many years ago I bought an item from Amazon Market place actually directly from the seller (very stupid I know) and paid via PayPal and Egg Money refunded all my money back after filling some forms. So Section 75 doesn't apply at all then just to repeat? I am very unlikely now then to use eBay/ PayPal for large purchases since even if you win a case you need to pay return postage fees (PayPal buyer protection) which puts the buyer out of pocket.

What about this:
''
PayPal and chargeback

Watch out if you use your credit or debit card to load money into your PayPal, or other online payment account as it is the loading of the money that is considered to be the card transaction.
If anything goes wrong with the loading of your account, you could use the chargeback rules. However, if the money that you load into your account is then subsequently used to buy goods and services, that transaction is not classed as a card transaction and is unlikely to be covered by chargeback.
If you want to ensure that chargeback will apply to a PayPal transaction, it's best to empty your PayPal account regularly so there is no credit balance. That way, when you make a purchase using PayPal the same amount will be debited from your bank account or credit card at the same moment you pay, making it easier for your bank or credit card provider to match the purchase with the debit.''


from: http://www.which.co.uk/consumer-rights/sale-of-goods/your-rights-when-paying-by-credit-card/chargeback-on-credit-and-debit-cards/

derrick wrote: »

The criteria is over £100 and less than £30000, so you fail on the first count, also you only paid £85 on your card so fail again, and paying via Paypal fails again see MSE Section 75 refunds, :-

"When you buy through third parties. Travel agents, paypal etc.
You're usually unlikely to be covered when payments are made to a company that isn't the one providing you with the good or service because the credit card company must have a direct relationship for them to be equally liable.
The first main area is paying via an online processer such as PayPal, WorldPay or Google Checkout. Though these can have their own refund systems, they aren't as strong as the legal protection of Section 75."




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monhon1 wrote: »

Probably been answered but what if you spent exactly £100 pounds would I be covered (Section 75)?
Getting conflicting information: over £100 to less than £30,000, Section 75, charge back for under £100.00.

What if I paid the £100 via 15%off coupon and £85.00 credit card although item cost £100.00 as shown on receipt?

I paid by PayPal for an eBay purchase.

Thanks

if you paid for a mediator (such as PAYPAL) section 75 does not apply to you.

Guys sorry if this has been answered - tried searching thread.

If a company has gone insolvent, where does the card company recover the money from? Or does it put aside an amount to satisfy these kinds of claims (i.e. factored into the interest rate)?

I'm wondering whether there would therefore be a reason for a solvent supplier to insist people pay via bank transfer if the card company recovers from them/takes court action.

Jago7t wrote: »

Guys sorry if this has been answered - tried searching thread.

If a company has gone insolvent, where does the card company recover the money from? Or does it put aside an amount to satisfy these kinds of claims (i.e. factored into the interest rate)?

I'm wondering whether there would therefore be a reason for a solvent supplier to insist people pay via bank transfer if the card company recovers from them/takes court action.

The card company would have to bear the cost. They have equal liability with the seller