Buying a Sofa on Interest Free Cr - Does this give extra Protection?

Mrs_justjohn

Hi there

I have decided to buy a sofa from DFS - I have read all the horror stories but also the good stuff, and decided to go ahead with a purchase.

I can afford to pay in cash, but will buying it on IFC offer me a better level of protection should something go wrong with the sofa? What if I pay 90% in cash and 10% on IFC will I still get the protection?

Is the extra protection (if there is any) worth it - bearing in mind they are now giving a 10 year guarantee?

Any advice appreciated.

Thanks

dylanuk

I don't know about getting extra protection with an 'interest free credit' option.

Do you mean the extra protection if you pay by credit card? if you do - then yes, you will get protection if the seller goes bust, doesn't deliver, or delivers something not as you ordered.

There is more on section 75 protection here: http://www.choose.net/money/guide/articles/credit-cards/section-75-of-the-consumer-credit-act-guide.html

Mrs_justjohn

Hi

I'm not sure exactly what protection I am talking about.....

I know that when we got a new fitted kitchen the salesman advised us to get it on IFC and not pay in cash as the company (in that case GE Finance) would fight our cause should anything go wrong, as they 'technically' were a joint purchaser?

nemeth782

Well apart from anything else you may as well have 6 months of interest on the money no?

However yeah, the finance company would in theory be another avenue of recourse if goods were not of satisfactory quality etc.