am i covered?

[mkdodd]

hi all,

i bought a camera from jessops just under a year ago, i paid for it on credit card, the camera has stopped working and seems to be pretty much dead. since it was not a cheap camera i rang my credit card company to see if they could help me out.
i was told very politely that since my purchase was over 120 days that there was nothing they could do, i did google this and that rule seems to apply to debit and not credit cards!
is there any among you knowledgeable people out there that can shed some light on this for me

thanks in advance!!

[stephane]

The credit card company won't do anything....if its still under warranty then you need to contact the manufacturer directly.

[chanz4]

all the shop does is send it for you, which lengthens the process

[thenudeone]

I would certainly try to claim under the manufacturer's warranty first,

On occasions I have returned items to a manufacturer and been appalled at the extremely poor service I've received, so it doesn't follow that you will always receive satisfaction from the manufacturer.

BUT the above posters miss the point somewhat.

The shop has a legal obligation to sell goods which are of merchantable quality. If they aren't, the law gives consumers quite generous rights of redress. If the item costs over £100 and bought (even partly) with a CC, the CC company is jointly liable in law, with the shop, for that obligation, and can be sued for failure to comply, even without having to sue the shop first.

I'd suggest raising a claim with the card company now, before the year runs out. It will give you another avenue to pursue if you don't get very far with the manufacturer. They will often try to fob you off. Just persist and ensure it's recorded as a claim.

[cos]

Exactly as said above by thenudeone. Excellent post.

[dalesrider]

Originally Posted by thenudeone

If the item costs over £100 and bought (even partly) with a CC, the CC company is jointly liable in law, with the shop, for that obligation, and can be sued for failure to comply, even without having to sue the shop first.

I'd suggest raising a claim with the card company now, before the year runs out. It will give you another avenue to pursue if you don't get very far with the manufacturer. They will often try to fob you off. Just persist and ensure it's recorded as a claim.

You have to remember that you have to show that you have tried to resolve the issue 1st.
So simply saying jessops is no longer trading is not enough. For S75 to kick in. You will have to show that the manufacture will not honor the warranty.

Also the Op has not said a price.. Not cheap can mean many things.
So the camera on its own has to have cost more than £100. That is not the total price, just the price of the faulty item.