Section 75 Protection credit card Enquiry
bery_451
Posts: 1,807 Forumite
in Credit cards
Hi,
We having new windows/doors fitted, half the job is done so far however we have a dispute on the windows themselves being smaller causing huge gaps as well as other issues.
We addressed the issues to the director of the window company and the directors says he now wants 70% of the deposit instead of the original 20% stated on the contract otherwise they wont continue the works.
If we agree to increase the deposit now to 70% for the sake of completing the job after this wrong size windows dispute then am I still entitled for the section 75 credit card refund for what amount? How does it work?
We having new windows/doors fitted, half the job is done so far however we have a dispute on the windows themselves being smaller causing huge gaps as well as other issues.
We addressed the issues to the director of the window company and the directors says he now wants 70% of the deposit instead of the original 20% stated on the contract otherwise they wont continue the works.
If we agree to increase the deposit now to 70% for the sake of completing the job after this wrong size windows dispute then am I still entitled for the section 75 credit card refund for what amount? How does it work?
0
Comments
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If you have paid any amount on a card, then any Section 75 complaint would cover - or not - the entire amount.
Remember that Section 75 isn't an automatic refund. It gives you the same rights against the card provider as the supplier.0 -
Section 75 covers breach of contract, but I'd be claiming the money NOW and getting someone else to sort this out.
If any of the sum is paid by Credit Card, it protects the purchase.
I think you'd be a bit mad to agree to give these guys more money, especially outside of a contract to correct their mess up.
Edit: See here: https://www.moneysavingexpert.com/shopping/section75-protect-your-purchases
In debt and looking for help? Look here for the MSE Debt Help Guide.
Also, If you need any free and impartial debt advice, the National Debtline, Stepchange, and the CAB can help.0 -
What about paying them more money after dispute for the sake of getting it completed, after this am I still entitled so section 75?
If i pay the more money by cash am I protected?
If they breach the contract by asking for money and if we agree to pay them more money am I still entitled to section 75?
What if they provide a new updated receipt/contract to reflect the more money deposit, can section 75 apply to more than 1 contract with the same company?0 -
What about paying them more money after dispute for the sake of getting it completed, after this am I still entitled so section 75?
If i pay the more money by cash am I protected?
If they breach the contract by asking for money and if we agree to pay them more money am I still entitled to section 75?
What if they provide a new updated receipt/contract to reflect the more money deposit, can section 75 apply to more than 1 contract with the same company?
post 2 covers it0 -
glentoran99 wrote: »post 2 covers it
If you have paid any amount on a card, then any Section 75 complaint would cover - or not - the entire amount.
Remember that Section 75 isn't an automatic refund. It gives you the same rights against the card provider as the supplier.
Ok post 2 above can you please clarify as I dont understand of what constitutes a or not the entire amount?
does it has to be in 1 amount on card or can be few amounts for the same order?0 -
Section 75 potentially covers you for the full amount that you pay for a product or service, regardless of payment schedule or means of payment, as long as some amount has been paid on a credit card.0
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Deleted_User wrote: »Section 75 potentially covers you for the full amount that you pay for a product or service, regardless of payment schedule or means of payment, as long as some amount has been paid on a credit card.
Ok if we breach the contract by me paying more towards the deposit after the window size dispute is known between us then am I still entitled to section 75 protection?
Will the credit card company say after window size dispute why did I pay them more money?0 -
Yeah contracts can be renegotiated so if you decide to change the original agreement and pay more, the credit card company could argue that you agreed to the windows as they are.
I would personally not pay extra for the wrong windows and immediately demand that they fit windows consistent with the original contract for the originally agreed price, failing which you will make a s.75 claim.0 -
Yeah contracts can be renegotiated so if you decide to change the original agreement and pay more, the credit card company could argue that you agreed to the windows as they are.
I would personally not pay extra for the wrong windows and immediately demand that they fit windows consistent with the original contract for the originally agreed price, failing which you will make a s.75 claim.
Ok understood many thanks.0 -
Finally in regards to section 75 claim does the credit card company chase the business to recover funds or credit card company refunds consumer with its own card company money?0
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