Section 75, buyer protection, charge back etc

tuk

Thinking of buying a guitar(£900) from Spain, ordered from a Spanish website and delivered to me in the UK.

I only have a visa debit card & was thinking of getting a credit card for the added buyer protection(section 75). I have the money in my account already and would pay the CC bill in full on the day I receive it.

Which cards do people recommend, both for being charge free and an excellent reputation should anything go wrong.

'It says on the suppliers website that no refunds are given unless its a un-repairable manufacturing defect & all extra return/shipping costs are paid by the customer'

couple of worst case scenarios in the context of claiming back under section 75:

1)
Guitar arrives damaged or faulty, I say I want a new one as ordered, supplier insists I send it back for repair.

Can I demand a new guitar and/or S75 even though they have the above disclaimer on their website?

Who pays the extra shipping/return costs?

2)
Different guitar arrives from the one I ordered, supplier refuses to accept a return for whatever reason stating they are not responsible.

---

Is it possible to disclaim section 75?

Any other precautions I should take?

Thanks.

luci

Assuming you are making the purchase in euros, you need a card which doesn't load the exchange rate such as Halifax Clarity or the Post Office.

As for claiming under Section 75, you will need proof that the company did not provide the goods as ordered or are refusing a refund or exchange. The credit card company won't just take your word for it.

tuk

luci wrote: »

Assuming you are making the purchase in euros, you need a card which doesn't load the exchange rate such as Halifax Clarity or the Post Office.

thanks, yeah it's euros ..will look into these two

e2a: the details on those cards is a bit confusing ..is there a charge if I use the card to buy something then pay the CC bill as soon as it arrives?

As for claiming under Section 75, you will need proof that the company did not provide the goods as ordered or are refusing a refund or exchange. The credit card company won't just take your word for it.

how about an email conversation ..either print out the emails or give the CC company the login details to look for themselves

YorkshireBoy

tuk wrote: »

e2a: the details on those cards is a bit confusing ..is there a charge if I use the card to buy something then pay the CC bill as soon as it arrives?

No.

how about an email conversation ..either print out the emails or give the CC company the login details to look for themselves

You will be expected to attempt recovery yourself from the retailer before the CC provider will entertain a section 75 claim, chargeback, or goodwill gesture.

To the scenarios in your OP:

1) You can only demand what you ordered. However, if it costs you 2 or 3 lots of return shipping costs to get it you could approach your CC provider for a contribution/reimbursement. They won't do a section 75 claim...more likely chargeback or goodwill.


2) That's a clear cut misrepresentation claim, and falls under section 75.

cazarol

sorry wrong thread used