Does section 75 cover warranties?

londonthing

Having taken in as much info I can on Section 75 cover, I'm still unsure as to if the section 75 cover offered by paying with a credit card covers the warranty on goods and services?

Let me explain the scenario: I am on the hunt for a new bathroom, designed, supplied and fitted. The compnay I am dealing with currently offers a "lifetime guarantee" on all materials and labour. Should they not exist in 5 years time, would the credit card company be liable to put things right?

Sorry if this has been answered elsewhere, I did try a search, but to no avail.

Thanks in advance! :wave:

InsideInsurance

To the best of my knowledge, they would effectively be bound by the same terms as the merchant so you would need to read the T&Cs of the warranty as it may well have a clause in it about what happens if the company ceases trading.

So if that clause absolves the merchant if it ceases trading then the credit provider would also be absolved if the merchant ceased trading

That at least is my understanding but I am not a massive expert on the CCA

bengalknights

There was a court case on this and it was found it does cover warrantys on purchases made by cc

http://www.claimsfinancial.co.uk/section-75-claims/credit-card-extended-warranty.aspx

meer53

I've dealt with claims like this. If you pay for a warranty and the company goes bust, as long as the warranty is detailed and itemised on your purchase then you are covered. If a company providing a warranty also goes bust, the CC company will step in and pay for a warranty to replace the one you had. It's still classed as non receipt of services. The replacement warranty will only be valid for as long as the original one.
Just make sure you have something in writing about the warranty.