What is the point of PayPal?

wealdroam

Flyboy152 wrote: »

But, if the transaction has involved the use of a credit card, it is not beyond conception, to push for the use of third party payment transactions to be included within the consumer credit act.

The CC co are providing credit.
The transaction that is protected by S75 is the purchase of a service from Paypal with money provided by the CC co.
The entirely seperate transaction between Paypal and the seller is of no concern of the CC co.
If Paypal do not provide that service, i.e. they do not pass on your money to the seller, then the CC co are jointly responsible with Paypal for getting the money to the seller.
But the CC co are not responsible for the performance of the seller or his products.

Flyboy152 wrote: »

If I buy a two hundred pound camera from Maplins with my credit card, Maplins are also not providing me with credit services, but the purchase is still covered by section seventy-five of the CCA.

That is true, but the credit card company are providing you with credit.

Flyboy152

wealdroam wrote: »

The CC co are providing credit.
The transaction that is protected by S75 is the purchase of a service from Paypal with money provided by the CC co.
The entirely seperate transaction between Paypal and the seller is of no concern of the CC co.
If Paypal do not provide that service, i.e. they do not pass on your money to the seller, then the CC co are jointly responsible with Paypal for getting the money to the seller.
But the CC co are not responsible for the performance of the seller or his products

And this is why I am saying that we should be pressing for a change in the law to include transactions via third party payment sevices.

That is true, but the credit card company are providing you with credit.

I am aware of that and this is why I wrote it. It was in response your analogy of PayPal not providing credit services.

wealdroam

Flyboy152 wrote: »

I am aware of that and this is why I wrote it. It was in response your analogy of PayPal not providing credit services.

Ah, ok.
The point I was trying to make there was that if Paypal were offering a credit service, then it could I suppose technically be possible for S75 to cover both of the separate transactions I mentioned earlier.
But as they don't, then the Paypal/seller transaction is outside the scope of S75, for the time being.

Sorry I wasn't clearer.