Section 75 refunds - article discussion

Smick100

I am writing on behalf of someone else who needs advice on section 75.

She was in the process of buying a holiday home in Portugal. The Portugese estate agent was able to accept credit card so she put her credit card account £25,000 in credit and has paid this to the estate agent.

The estate agent has subsequently gone bust.

The bank is saying that because her credit limit was £1,300 that they can only refund her to this amount.

Is this correct? Does section 75 work on credit balances?

barryjohn_2

I have had a Barclays Premier Chargecard for some years and they tell me that Section 75 does not apply even though I have a credit limit and have at least 1 month to pay in full. Failure to do so results in a fixed percentage charge. Do I have any recourse either under Visa chargeback or section 75?

Goldust

Hi everyone,

I need some section 75 advice. I bought a laptop 2 years ago and it has an inherrent fault which is well documented on the internet. It's from Comet and they are refusing to do anything so rather than pay to get it inspected and go to court I rang AMEX.

I paid for it in vouchers except for £11 (The laptop was £750) and when I read about section 75 I thought I might be covered by AMEX but when I rang them they said at least £100 had to go on the card.

Is this right? Or should I ring them back and complain? I feel kind of bad because it was only £11 on the card but if the law is on my side then I can hopefully get some resolution from AMEX.

nakrud55

1st question, I'v read the thread and not seen this query, if its been asked before sorry.

I paid by CC for a dealership in 2007, the company is now proving difficult to get hold of, website not working, phones not answered. I checked at companies house they have not completed tax returns since 2007, and are due to be struck off, so they have not gone into administration but don't appear to be trading. The parent company in USA has closed down, but my purchase was from UK company.
Is my original purchase covered by Sec 75.

davy_fulla

Hi, I recently bought a used car from a garage for £2400 on my credit card. To cut a long story short after less than 4 months the flywheel has collapsed and I'm facing a repair bill of £1100. I was supplied with a warranty when purchasing the car but the external company that administers this warranty have said they will not pay out as the flywheel problem was caused by a recent clutch change. Apparently any good garage should always check the flywheel when replacing the clutch and also replace the flywheel if necessary. The garage deny it was them that changed the clutch (even though the warranty cmpany have said it is a brand new clutch).

I managed to get in touch with the person who sold he car to the garage. He assures me he had the car from day one and it still had its original clutch when he sold it to the garage. He says he will back me all the way if the garage contest this.

Anyway, I've just heard abut section 75. I can now claim against my credit card company, the garage or both. What's the best option? I've already informed my credit card company and they are being very helpful. I'd much rather sue the garage as they have been very unreasonable from the off and have lied to me about the clutch change. What happens if I sue the credit card company? If they were to pay out would they then be entitled to take the car from me or do they just let me keep it (wishful thinking on my behalf perhaps?)

luigemags

Hi like thousands of others I bought tickets for flights with Globespan, when the company collapsed I was told by many that due to paying by Bank of Scotland DEBIT card I would have lost my money

I followed the advice on Martins Money tips:money: and downloaded the template letter, edited it to suit my circumstances and sent it off.

I had never heard of VISA CHARGEBACK and wasn't hopeful. However my account was credited with 450 pounds yesterday, the full amount I had lost, I am chuffed.
Thanks very much Martin,:beer: without your help I wouldn't have known anything about CHARGEBACK and now I know IT WORKS.:j

btm_2

I was applying for an Amex Airmiles credit card and their terms and conditions say

"
46. LIMITATION OF OUR LIABILITY
46.1 We are not responsible or liable to you or any supplementary cardmember for:
46.1.1 any delay or failure by a merchant to accept the card;
46.1.2 goods and services you charge to your account, including any dispute with a merchant about goods and services charged to your account;
46.1.3 any costs, damages or expenses arising out of our failure to carry out our obligations under this agreement if that failure is caused by a third party or because of a systems failure, data processing failure, industrial dispute or other action outside our control; "

This looks like they are trying to say section 75 doesn't apply to them.

To me it seems that anyone who has a a dispute with a supplier, also could raise the issue with the credit card company, or have I misread it?

ANy thoughts

Thanks:)

Lisaelaine

In 2006 we put a deposit on a property abroad, the builder has never built the site, and we have been trying for a refund of our money for the last 2 years. We have been told by other purchasers that they claimed the reservation fee of 3000 euros back from their credit card company. Our problem is that we no longer have any credit cards, we have the card number we paid with on a receipt, but we can't remember which credit card provider this was with. Does anyone know how we can find out which company this was?

Queries

I am currently in dispute with Lloyds TSB over a Section 75 Claim. In brief, I enrolled on a Distance Learning Course for the Diploma in Companion Animal Bereavement Counselling Course in June 2008, which cost £282, which I paid for on my credit card. To summarise, I have since found the course itself to be out-of-date and has not been updated. My tutor has qualfications in Art, Photography and Animal Behaviour, but no qualifiations, counselling or otherwise relevant to the course. So, the Diploma is worthless.

I have not continued with the course, since I have been sold a service (the course) which is unfit for the purpose for which it has been sold. The college refused to refund me.

I contacted Lloyds who have more-or-less refused to help, but they in turn contacted the college (without my authorisation), did not send me a copy of the letter that they sent the college, nor the reply (just quotes from it). The information they seemed to have requested was the college's refund policy, this they could have gotten without using my own, personal information. Surely, they are in breach of the Data Protection Act?

Lloyds TSB, have ignored all the evidence that I have sent them and seem to think that I simply became bored with the course. They have not dealt with the real reason at all, even though the letters and information that I have sent them are self-explanatory. So, why write to the college at all?

Any ideas anybody? Thank you.

derrick

Queries wrote: »

I am currently in dispute with Lloyds TSB over a Section 75 Claim. In brief, I enrolled on a Distance Learning Course for the Diploma in Companion Animal Bereavement Counselling Course in June 2008, which cost £282, which I paid for on my credit card. To summarise, I have since found the course itself to be out-of-date and has not been updated. My tutor has qualfications in Art, Photography and Animal Behaviour, but no qualifiations, counselling or otherwise relevant to the course. So, the Diploma is worthless.

I have not continued with the course, since I have been sold a service (the course) which is unfit for the purpose for which it has been sold. The college refused to refund me.

I contacted Lloyds who have more-or-less refused to help, but they in turn contacted the college (without my authorisation), did not send me a copy of the letter that they sent the college, nor the reply (just quotes from it). The information they seemed to have requested was the college's refund policy, this they could have gotten without using my own, personal information. Surely, they are in breach of the Data Protection Act?

Lloyds TSB, have ignored all the evidence that I have sent them and seem to think that I simply became bored with the course. They have not dealt with the real reason at all, even though the letters and information that I have sent them are self-explanatory. So, why write to the college at all?

Any ideas anybody? Thank you.

FOS
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