We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

Section 75 PIP Claim

snoopin
snoopin Posts: 4 Newbie
in Credit cards
This one has probably been covered to death but i still don't get it so here we go again.

Here are the facts :)
  • I paid for my wifes PIP implants on my credit card...
  • The implants have ruptured
  • She has had them replaced at our cost.
Now i have contacted Lloyds Credit card services and they have said go away there is no creditor / debitor relationship... which i can understand however........

If i purchased a sofa for my mum on my credit car and it was faulty i could still claim?!? if i purchased fridge for my Nan on my credit card and it was faulty i could claim?!?

But if i purchase something for my wife which is faulty i cannot?!?!?

Can someone explain this to me please and advise if you think i should take it further?!?!?

Many thanks

Comments

  • [Deleted User]
    [Deleted User] Posts: 35,383 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    You wouldn't be able to claim for either the sofa, the fridge or the breasts. Because you've bought them for someone else.

    Only your own breasts would be covered, unfortunately.
  • System
    System Posts: 178,415 Community Admin
    10,000 Posts Photogenic Name Dropper
    Because in the case of your mum you own the sofa but have given it away, ditto for your Nan's fridge although that is still iffy. In the case of the implant you have never owned it.

    As they say there is no creditor/ debtor relationship for the implant but it still exists in your other 2 examples.
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • ILW
    ILW Posts: 18,333 Forumite
    You could say they were bought for your own use and your partner just looks after them for you.

    Like buying a car and leaving it in a neighbours garage when not driving it.
  • snoopin
    snoopin Posts: 4 Newbie
    yes but i still brought faulty goods with my credit card.. thats a fact
  • ILW
    ILW Posts: 18,333 Forumite
    snoopin wrote: »
    yes but i still brought faulty goods with my credit card.. thats a fact

    I believe the argument is that you did not buy the goods, somebody else did and used your card, (albeit with your permission) to pay for them.
  • alanq
    alanq Posts: 4,216 Forumite
    1,000 Posts Combo Breaker
    Similar issues already discussed at length here
    https://forums.moneysavingexpert.com/discussion/3917547
  • Billie1977
    Billie1977 Posts: 10 Forumite
    Please read my new thread my partner paid for my implants they refused to pay so I went to the fos they went in my favour grated full refund good luck
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 353.7K Banking & Borrowing
  • 254.2K Reduce Debt & Boost Income
  • 455.1K Spending & Discounts
  • 246.8K Work, Benefits & Business
  • 603.3K Mortgages, Homes & Bills
  • 178.2K Life & Family
  • 260.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture