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  • FIRST POST
    • Former MSE Wendy
    • By Former MSE Wendy 7th Oct 08, 2:00 PM
    • 868Posts
    • 1,782Thanks
    Former MSE Wendy
    0 WOW
    Section 75 refunds - article discussion
    • #1
    • 7th Oct 08, 2:00 PM
    0 WOW
    Section 75 refunds - article discussion 7th Oct 08 at 2:00 PM

    This discussion relates to the Section 75 refunds article


    Click reply to discuss.
    Last edited by MSE Archna; 10-06-2010 at 4:41 PM.
Page 2
  • moonrakerz
    this can be for up to 6 years
    Originally posted by derrick
    Possibly, may be, could be, you have to prove it first, faint chance, might be !
    • derrick
    • By derrick 26th Oct 08, 12:31 PM
    • 6,888 Posts
    • 2,247 Thanks
    derrick
    Possibly, may be, could be, you have to prove it first, faint chance, might be !
    Originally posted by moonrakerz
    Doesn't mean it can't/won't happen, that is why the legislation is there.

    I have personally used SoGA after 2 years on furniture with a 1 year warranty and won.

    Don't be so negative.
    Don`t steal - the Government doesn`t like the competition


  • jacobpay
    Counterfiet Jewellery
    Hi there, I bought jewellery whislt abroad and found out upon my return the gem was not correct therefore the value had halved. Attempted to speak with them but they won't respond. Can I claim under this act?? Sarah x
    • rbulph
    • By rbulph 28th Oct 08, 9:59 AM
    • 488 Posts
    • 90 Thanks
    rbulph
    Why is this article headed "Free protection for ALL spending"?
    If the protection is for ALL spending, how do I get it if the item costs less than £100, more than £30,000, the seller won't accept a credit card, or I pay an agent? Am I missing something, or is the heading simply misleading?
    Last edited by rbulph; 28-10-2008 at 11:03 AM.
  • clairetrout
    Hi there, I bought jewellery whislt abroad and found out upon my return the gem was not correct therefore the value had halved. Attempted to speak with them but they won't respond. Can I claim under this act?? Sarah x
    Originally posted by jacobpay
    I also bought jewellry in Dubai and after about 6 months one of the stones crumbled away. I contacted the shop several times with no response. I contacted the Dubai Chamber of Commerce who originally said they would assist but then refused to reply to e-mails after I had sent them copies of the receipt.

    I paid with a Morgan Stanley CC, and when I contacted them they said that I couldn't claim through them. Now, as I understand it, under section 75 they should have refunded me. Now they have been taken over by Barclaycard, so can I claim through them (the purchase was June 2006)?
  • lmb
    claiming back from credit card companies
    If someone brought 2 items in shri lanka, and has waited 2 years for them to be made and delivered, and the items were not what they ordered, and the company has now gone out of buisness, can you still claim from the credit card company? Is there a time limit on claiming?
  • lmb
    hi did you ever get an answer to the question about time limit?
  • wcameron
    Hi,

    In July, I purchased flights to Copenhagen with the now bankrupt airline Sterling using my Alliance and Leicester Visa Debit card. Flights cost over £100 and we were due to fly in early December. Can I claim back using the Visa Chargeback letter?
  • simonsinc
    Dodgy Software - Can i Claim?
    I bought a sony vaio laptop computer in november 2007 using my company credit card issued by HSBC bank. I bought it over the internet and the company who sold it to me has now gone bust. More recently i have had increasing problems with the microsoft office software that came loaded on the laptop, included in the sale price. I have gone to microsoft website to get the relevant updates to fix the problems but microsoft tell me that the software on my computer is a fraudulent copy and wont therefore give me the updates i needto fix the problems. As the web company who sold me the laptop has gone bust i can't claim against them so i contacted HSBC to make a claim. They said in their reply that there was nothing they could do.

    is this right or do i have a claim under Section 75 in this circumstances?

    Thanks
  • clairetrout
    Morgan Stanley taken over by Barclaycard - can I claim?
    Afternoon all

    I bought jewellry in Dubai and after about 6 months one of the stones crumbled away. I contacted the shop several times with no response. I also contacted the Dubai Chamber of Commerce who originally said they would assist but then refused to reply to e-mails after I had sent them copies of the receipt.

    I paid with a Morgan Stanley credit card, and when I contacted them they said that I couldn't claim through them. Now, as I understand it, under section 75 they should have refunded me. Now they have been taken over by Barclaycard, so can I claim through them (the purchase was June 2006)?

    Cheers
  • abrxx
    Barclaycard
    I am in the process of claiming compensation from Barclaycard as a result of Zoom going bust and leaving my wife stranded in Canada. I wrote a very clear letter to them telling them I was making a Section 75 claim against them, and not Zoom. They have now written back asking me to contact Zoom/liquidators and inform them of their reply.

    What should I do?

    Should I just write back and remind them my claim is directly against them?

    The letter didn't even say what to ask of Zoom/Liquidators, just to speak to them and pass on what they say.

    Please help...I thought Section 75 allowed one to press a claim directly against the card provider.
  • KTM Gordo
    I have an egg money credit card and i have had to claim three times from them. They were amazingly easy to deal with.
    Originally posted by max2002ad
    I also have an Egg Money card and I've been having a nightmare of a job making a Section 75 claim for goods, costing over £200, which were never supplied by a retailer.

    The letter I've had from them states that because the retailer is still trading, it is not their place to provide a refund - stating "s75 does not entitle you to an automatic refund".

    FOS here we come.

    • bazster
    • By bazster 3rd Nov 08, 5:18 PM
    • 7,326 Posts
    • 9,448 Thanks
    bazster
    It's worth pointing out that, in a case of breach of contract (which is what would normally be triggering a Section 75 claim), you are entitled to be restored to the same position you would have been in had the breach not occurred.

    My ISP went bust a couple of years ago. I had paid up front for two years (it was *very* cheap!) with a Co-op Visa card, and there were 11 months left at the time of the failure.

    I moved to another ISP, and I made a Section 75 claim against the Co-op for the startup cost and 11 months' service with the new ISP. This amounted to more than the *entire* two years I had paid for with the original ISP (I told you it was cheap!).

    The Co-op hated it, and told me all kinds of lies to try to get rid of me, but I just kept writing quoting "Section 75" and in the end they paid up in full.
    Last edited by bazster; 03-11-2008 at 5:24 PM. Reason: My bad grammar!
  • ronaldreindeer
    American Express Cards
    Does the section 75 apply to purchases made with American Express Cards?
  • tik33
    about to place an order with a window company
    Hi everyone, I'm about to place an order for over £30k for some windows and some other things. Now, the windows individually cost less than £30k and that price includes fitting. If I got them to issue me with two invoices - would that be sensible? Would that enable me to claim should something go wrong? Thanks
    • hollydays
    • By hollydays 7th Nov 08, 11:33 AM
    • 15,188 Posts
    • 10,980 Thanks
    hollydays
    I helped someone purchase a car,and paid on my credit card.,to give him section 75 protection.The company would have charged a percentage if i payed on credit card totally,(about £160 extra extra) so i paid £1 on credit card,the rest on debit card.
    Because the total exceeded £100 i obtained the protection (I ok'd it with the company first).
    heres the thread.
    http://forums.moneysavingexpert.com/showthread.html?t=1115463&highlight=section+75

    So my question is,in the event of something going wrong,is this correct?
    \edit-answer-yes
    Last edited by hollydays; 20-11-2008 at 8:30 PM.
  • pat0406
    Section 75 Consumer Credit act
    Do you have to inform your credit card company when you have purchased an item over £100 in order to claim if anything goes wrong?
    • derrick
    • By derrick 12th Nov 08, 1:47 PM
    • 6,888 Posts
    • 2,247 Thanks
    derrick
    Do you have to inform your credit card company when you have purchased an item over £100 in order to claim if anything goes wrong?
    Originally posted by pat0406

    No, only if you are having a problem getting redress from the retailer, then you can involve the CC company, as they are equally and severally liable as the provider of the credit.
    Don`t steal - the Government doesn`t like the competition


  • MaggiePkr
    I paid for a course of 7 acupuncture treatments, but only manged to have 3 of them before the shop shut without warning. M & S &More card are saying that I have to have proof of breach of contract. The girl from the cc company said that the company (Dr & Herbs) who have the paperwork are hardly likely to give me the paperwork and that my appointment card id=s no good as proof. She said that they are not liable without proof of breach and cannot be held responsible.
    I think that she is out of order and that they are responsible for the full course of treatment.
    It's hard to prove non-receipt of goods as the 'goods' were a treatment.
    Is section 75 any use to me? I have a cc statement showing my payment & the appointment card showing what i have had, The card states I am having 7 sessions and show the dates for only 3 sessions received.
    Any help is gratefully received
    • wesley4
    • By wesley4 18th Nov 08, 9:26 AM
    • 29 Posts
    • 11 Thanks
    wesley4
    Visa Chargeback valid for Visa Electron cards?
    Hi,

    The question says it all really - can I take advantage of the Visa Chargeback scheme if all I have is a (Smile) Electron card?

    Thanks
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