Section 75 refunds - article discussion

LABMAN

smudges13 wrote: »

I have booked a holiday cottage and paid the deposit (over £100) with a credit card, the full amount has now been paid. 2 days before we were due to go my son was taken into hospital with appendicitis so we are unable to go. Will i be covered by section 75?

No, you are not covered by S75.

banjo21

@jimmy - yes it WAS repeatable - it was repeated about 10 times with tiny water splashes, a dry lucazade bottle, a dry mat, a childs arm - basically anything would 'rub off' what I suspect is a cheap dye attempt previously applied by the supplier in order to beautify the 'granite'.

The supplier has attempted to mask the issue by sealing it twice since on return visits and even applying black paste to re-dye the affected areas - after all this is colour wearing out and not 'scorching' or acid burns as the supplier suggests.

I really hope Section 75 helps .

consumer_15_king

Booked a hotel stay for our holiday in Cornwall via Expedia using my Virgin money credit card. The hotel failed to provide the room specified when booking. After numerous phone calls to Expedia (and the hotel owner pretending to be away) for a month, raised a dispute with Virgin money with original booking, email exchange etc. and mentioned that I want to exercise Section 75. Got a refund for £200 from Virgin money. That's next holiday stay sorted . A lesson for Expedia not to tie-up with hotel who overbook.

Crabman

banjo21 wrote: »

@jimmy - yes it WAS repeatable - it was repeated about 10 times with tiny water splashes, a dry lucazade bottle, a dry mat, a childs arm - basically anything would 'rub off' what I suspect is a cheap dye attempt previously applied by the supplier in order to beautify the 'granite'.

The supplier has attempted to mask the issue by sealing it twice since on return visits and even applying black paste to re-dye the affected areas - after all this is colour wearing out and not 'scorching' or acid burns as the supplier suggests.

I really hope Section 75 helps .

The best evidence to give to your credit provider is a report from an independent (third party) company or expert who can give you, in writing, confirmation that the item is faulty/fake/poor quality with reasons or examples of the problems, as you've described here.

Just make sure that whoever gives you the report is not going to be easily intimidated by the credit provider/financial ombudsman service (which although described as independent is funded by financial firms) as they will be very likely to contact the third party by phone to try and undermine the report.

00woody00

Hello I want to know if I can use the 'protection trick' to make a payment.

I am purchasing a share of my property from my housing developer.

The cost is obviously high - £17000. The paper work to sort the deal will sadly take longer than expected and there is only a small window for this purchase to go through.

Therefore, I am planning on paying the developer the funds and then sorting the paper work afterwards - which I know isn't the best situation but I have no reason to believe it won't work out.

Regardless, I thought to cover myself, I could put £100 on a credit card and then pay the rest via bank transfer and this would 'protect' the whole amount. This avoids losing my money in the unlikely situation that the developer goes bust.

I'm hoping this purchase isn't one which Section 75 doesn't apply.

Am I right or wrong?

brian_l_2

have a question,
background - purchased a car for 10k in 2010 paid £100 deposit using my named card on wifes Asda credit card account. car in my name. car has broken down through (my opinion) a manufacturing fault and will cost about £2500 to fix car (would have been worth £3500 by now according to garage). Dealer I bought from have not answered my letter- so claimed against New Day who have taken over running of Asda credit card. they have finally several months later replied to my wife and state-
"Having assessed your claim, we have concluded that you do not have a valid claim under section 75 of the act.
The reason for this is that in order for the act to apply, there needs to be a direct link between the debtor (yourself), the creditor (us) and the supplier (the merchant). you did ot enter into the contract, this was Mr Brian Leyden and therefore a break in the chain has occured as there is no direct link between the Debtor and the supplier as they are not our customer.
We have made this decision to decline your claim based on the wording of section 75 of the consumer credit act and your scenario is not covered by this legislation."
Can this possibly be correct as this surely puts probably 75% of all purchased ever bought out of the section 75 act -anybody who purchased anything on their wife/husbands suposedly legitimate second card is not covered in fact if the wife/husband decided not to pay for the purchase then surely the credit card company cannot claim it back from the account holder as they are (according to this) saying that the purchase was not legitamate?

Ben_Ferrari

Hi, I bought a car with my Tesco MasterCard and it's had no end of issues. Does anyone know what the best way is to handle the claim? And what support info I will need?

jonesMUFCforever

brian_l wrote: »

have a question,
background - purchased a car for 10k in 2010 paid £100 deposit using my named card on wifes Asda credit card account. car in my name. car has broken down through (my opinion) a manufacturing fault and will cost about £2500 to fix car (would have been worth £3500 by now according to garage). Dealer I bought from have not answered my letter- so claimed against New Day who have taken over running of Asda credit card. they have finally several months later replied to my wife and state-
"Having assessed your claim, we have concluded that you do not have a valid claim under section 75 of the act.
The reason for this is that in order for the act to apply, there needs to be a direct link between the debtor (yourself), the creditor (us) and the supplier (the merchant). you did ot enter into the contract, this was Mr Brian Leyden and therefore a break in the chain has occured as there is no direct link between the Debtor and the supplier as they are not our customer.
We have made this decision to decline your claim based on the wording of section 75 of the consumer credit act and your scenario is not covered by this legislation."
Can this possibly be correct as this surely puts probably 75% of all purchased ever bought out of the section 75 act -anybody who purchased anything on their wife/husbands suposedly legitimate second card is not covered in fact if the wife/husband decided not to pay for the purchase then surely the credit card company cannot claim it back from the account holder as they are (according to this) saying that the purchase was not legitamate?

They are correct - + how would you expect to claim for a car 5 years down the road?

jonesMUFCforever

Ben_Ferrari wrote: »

Hi, I bought a car with my Tesco MasterCard and it's had no end of issues. Does anyone know what the best way is to handle the claim? And what support info I will need?

Through the dealer and warranty would be my best guess.

be96erj

Here is one for the experts re s75

I pay a builder £100 deposit on a CC for an extension he does for me. A year later fault are found on the build amounting to £30k. Can I use s75 to cover the faults, should he go bust?

If so, and if the build costs £150k in total, could I in theory use 5 CCs, paying £500 in total, to get full protection from s75 for the entire cost of the extension?