Notice to cardholders leaflet - help!

niksyg

Hello,

I have searched for the below on the forums and can't find any answers, but apologies if I am repeating a thread.

I recently received a leaflet from citicard, with whom I have a BMI Baby credit card (worst mistake of my life but moving on...), it stated the following...

"In our credit card terms and conditions, clause 24.8 erroneously excluded our liability for claims on transactions made abroad under section 75 of the Consumer Credit Act 1974. That section gives you the right to make a claim against us for any misrepresentation or breach of contract by the supplier relating to goods and services purchased using your credit card (where the price of the item supplied was between £100 and £3000, including any VAT)

The Court of Appeal ruled on 22nd March 2006 that section 75 applies to transactions abroad as well as in the UK. We have not been relying on clause 24.8 since the date of the decision, but if you think you have a possible claim against us in relation to a transaction conducted abroad and have been put off making a claim by clause 24.8 please contact Card Services".

What does this mean exactly...I get confused by the all the clauses etc!

Many thanks for any help!

robbo990

My understanding is

When you buy something with a Credit Card, you are covered by the Consumer Credit Act - which makes the credit card company equally liable for faults etc.

Credit Card companies took this to mean that as it is a UK Act, only purchases made in the UK were covered. This has now been challenged in court and it was decided purchases made abroad are covered the same.