Visa debit - section 75 rule?

sarah69696pink

Hi All,
I'm sure someone has already asked this, but after some googling and searching I just can't seem to find the answer so sorry!

I am looking to book some Easyjet flights and I am trying to avoid the card charges. If I pay with visa debit will I be covered in the same way as a visa credit card?

Thanks for any help

meer53

There is no Section 75 cover for payments made using a Visa Debit card. If you think you'll have problems, use a credit card.

sarah69696pink

Thanks. I know easyjet is well established but I figure I should cover myself just incase!!

McKneff

There is some comeback using a Visa Card, its called a charge back.

If you are still unsure, pay a small amount of your cc and the rest of it on DC, the CC then covers the whole amount.

meer53

McKneff wrote: »

There is some comeback using a Visa Card, its called a charge back.

If you are still unsure, pay a small amount of your cc and the rest of it on DC, the CC then covers the whole amount.

Can you pay a deposit on Easyjet flights ? Never booked with them so don't know, don't they ask for full payment on booking ?

Chargeback rights are fairly limited in the case of flights, (depends on why the flights are unavailable) personally i wouldn't use a debit card, it's worth paying the fees just in case something does go wrong.

dazza.mk

meer53 wrote: »

There is no Section 75 cover for payments made using a Visa Debit card. If you think you'll have problems, use a credit card.

Theoretically if you use a Debit card in overdraft you are 100% covered by Section 75, its a 'credit token' in just the same way as a credit card. However in the event of a claim you are probably going to have to fight harder to enforce you S75 rights.

McKneff

Like I said, you could pay as little as £1 on your CC and the rest on your debit card, the CC will then cover the whole amount.

meer53

dazza.mk wrote: »

Theoretically if you use a Debit card in overdraft you are 100% covered by Section 75, its a 'credit token' in just the same way as a credit card. However in the event of a claim you are probably going to have to fight harder to enforce you S75 rights.

Theoretically. Wouldn't rate your chances of any card issuer taking a Section 75 claim on where a debit card is used, with either debit or credit funds. In 17 years of dealing with debit/credit card disputes, it's never happened where i work.

MrWillyWonka

McKneff wrote: »

Like I said, you could pay as little as £1 on your CC and the rest on your debit card, the CC will then cover the whole amount.

Although that could be possible on some transactions, this isn't on Easyjet flights as you have to pay the full amount at the time of booking.

As others have said, you could pay the charges to use a credit card, but they are phenomenal!

izools

meer53 wrote: »

Theoretically. Wouldn't rate your chances of any card issuer taking a Section 75 claim on where a debit card is used, with either debit or credit funds. In 17 years of dealing with debit/credit card disputes, it's never happened where i work.

Interestingly, overdrafts aren't regulated by the consumer creditact 1974 - they aren't credit agreements.

They are repayable-on-demand borrowing,which the CCA1974 doesn't have provision for.

However, Coutts & Co. successfully sued Philip Rainey for his OD balance persuant to the CCA 1974 - despite the fact the Overdraft wasn't a regulated credit agreement under the CCA1974.

Whether this sets precident for other banks in the sense that "Well I must have S.75 protection as Coutts & Co. sued one of their customers presuant to the CCA1974" I don't know - I seriously doubt it.

Use a credit card.

dazza.mk

izools wrote: »

Interestingly, overdrafts aren't regulated by the consumer creditact 1974 - they aren't credit agreements.

They are repayable-on-demand borrowing,which the CCA1974 doesn't have provision for.

However, Coutts & Co. successfully sued Philip Rainey for his OD balance persuant to the CCA 1974 - despite the fact the Overdraft wasn't a regulated credit agreement under the CCA1974.

Whether this sets precident for other banks in the sense that "Well I must have S.75 protection as Coutts & Co. sued one of their customers presuant to the CCA1974" I don't know - I seriously doubt it.

Use a credit card.

There is a Section of the CCA dedicated to overdrafts (amended by legislation in 2010)

http://www.legislation.gov.uk/ukpga/1974/39/part/VA/2011-02-01