Section 75 refunds - article discussion

VSN127

Hi there, I'm new in the forum.
Have got a question on Sec. 75 limit. i. e. Is £100-£30,000 limit applies to one Credit Card or is it for overall eg.the maximum claim put together all the ccs £30,000 ?
apologies, if someone already asked this question and answered by a gentleman/lady in the forum. Had a brief look but didn't come across this question.

eddddy

VSN127 wrote: »

Hi there, I'm new in the forum.
Have got a question on Sec. 75 limit. i. e. Is £100-£30,000 limit applies to one Credit Card or is it for overall eg.the maximum claim put together all the ccs £30,000 ?
apologies, if someone already asked this question and answered by a gentleman/lady in the forum. Had a brief look but didn't come across this question.

It's the price of the item that is important.

If you buy an item with a cash price of between £100 and £30,000...

... and pay some or all of the price with one or more credit cards, you should have section 75 protection.

VSN127

Am I not covered under S75, if I pay the deposit with Debit card ?

derrick

VSN127 wrote: »

Am I not covered under S75, if I pay the deposit with Debit card ?

No, unless some paid on finance, but chargeback may apply.

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VSN127

Sorry, Have paid initial deposit with the Debit card and rest of the amount with credit card. Will I still be covered under S75 ?

derrick

VSN127 wrote: »

Sorry, Have paid initial deposit with the Debit card and rest of the amount with credit card. Will I still be covered under S75 ?

Yes you are for the full amount, it does not matter how much is put on the CC, (even 1p), the whole amount is covered within the limits.


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steve1500

Hopefully a stupid question.


Does it matter if after paying the deposit on a credit card, you then pay the remaining balance in hard cash.

derrick

steve1500 wrote: »

Hopefully a stupid question.


Does it matter if after paying the deposit on a credit card, you then pay the remaining balance in hard cash.

No, the whole transaction is covered under S75.


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VSN127

Santander declined my claim (sent me a letter) by saying that I don't qualify for S75 because I've paid the deposit with my debit card!.
Do I have to write to Financial Ombudsman Service now ? or can I raise a complaint in Santander itself ?

derrick

VSN127 wrote: »

Santander declined my claim (sent me a letter) by saying that I don't qualify for S75 because I've paid the deposit with my debit card!.
Do I have to write to Financial Ombudsman Service now ? or can I raise a complaint in Santander itself ?

Santander are wrong, any amount paid by credit in what ever order is covered by S75 as long as the other criteria are met, i.e. product between £100- 30000.

Request a review from Santander then if same outcome complain to the FOS.

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