Question about Section 75

davec6550

Hi All,

As we all know, when spending over £100 on a credit card, the credit card issuer has a liability if the goods are not delivered because the shop has gone bust.

But what about when paying for something that will be delivered bit by bit over time?

An Example:

Bob wants to buy 10 hours of driving lessons with BeeSM, it is cheaper to pay for 10 hours in one go that to pay for each hour separately, the lessons are £25 an hour or £200 for 10 hours.

Sensibly Bob decides to pay for the 10 hours in one go using a credit card, to take advantage of the Section 75 protection.

After Bob has had 5 hours of driving lessons, BeeSM goes bust!!!

Which of the following would be correct:
1) Bob gets half his money back form his credit card company because he had only used half of his 'product'.
2) Bob gets the whole £200 back from the credit card company because not all of what he had paid for had been delivered.
3) Bob gets nothing back.

Any Ideas???

Many Thanks

Dave

dazza.mk

Or potentially option 4) Bob gets half his money back form his credit card company because he had only used half of his 'product' + claims £25 consequential loss in order to purchase 5 lessons from a rival (assuming they use the same pricing)

davec6550

Thanks Dazza,

I think as long as I still have fair protection I'd be happy!

Dave