Paying by Credit Card?

pjred

Probably not the right page to post, however someone maybe able to help/advise?
I bought earlier this year an enclosed steam shower with a 'Lifetime guarantee.' Unfortunately the Company has now gone into administration. I have a small problem that needs repairing, can I claim under the terms of my CC seeing as I bought the item with it?
looking forward to your advice!

McKneff

I think so, why not just give them a ring.

guesswho2000

Depends. Did your CC offer purchase protection/extended warranty, etc? Some do, a lot don't. Most of the ones that do limit it to 100 days from the date of purchase. Your card issuer will explain all!

I can't see s75 coming into play here, as that's a supplier-debtor-creditor arrangement, the supplier, supplied, and it worked originally (I assume?) so contract fulfilled. I might be wrong, but if I am I'm sure I'll be corrected

dalesrider

guesswho2000 wrote: »

I can't see s75 coming into play here, as that's a supplier-debtor-creditor arrangement, the supplier, supplied, and it worked originally (I assume?) so contract fulfilled. I might be wrong, but if I am I'm sure I'll be corrected

This is exactly where S 75 will come into play. Retailer has now breeched the contract as they cannot honor the 'Lifetime guarantee'
But OP will have to prove they are no longer trading (not just in administration) and also prove the Lifetime guarantee covers the fault. Hope they kept all the paperwork and guarantee.
As some won't cover wear and tear.

chattychappy

dalesrider wrote: »

This is exactly where S 75 will come into play. Retailer has now breeched the contract as they cannot honor the 'Lifetime guarantee'

Agree. The only exception I can think of is if the guarantee was provided by a third party - eg via some sort of insurance policy or from the manufacturer. In this case, unless they've disappeared too it should still be possible to claim under the guarantee.

dalesrider wrote: »

But OP will have to prove they are no longer trading (not just in administration)

Practically the CC might demand this, but legally it is not entitled to do so. S75 imposes joint and several liability. The CC doesn't stand as a backup to the merchant - it stands equally. The cardholder is free to pursue either the CC or the merchant even if the merchant is still trading.

dalesrider wrote: »

also prove the Lifetime guarantee covers the fault. Hope they kept all the paperwork and guarantee.
As some won't cover wear and tear.

Agree.

The old joke about a "lifetime" guarantee is that your purchase is guaranteed until it dies!

Gromitt

pjred wrote: »

I bought earlier this year an enclosed steam shower with a 'Lifetime guarantee.' Unfortunately the Company has now gone into administration.

Which company? The company you bought it from or the manufacturer of the product?

If the company you bought it from is no longer trading, speak to the manufacturer.

It may also be that the manufacturer supplies the 'guarantee' via a third party (typically setup as an insurance policy).

You need to check your guarantees exact terms and conditions.

pjred

Thank you for the replies, much appreciated!

I will try and dig out the paperwork to see exactly who offered what! Being honest, not holding out any hope (As they probably dig holes to hide in?)

cos_2

A friend of mine bought new windows and doors some years ago, and they came with a 10 year guarantee from the company (not a third party). He paid with a credit card.

When one of the doors started to leak he tried to claim and then found the co. had gone bust. He contacted trading standards who advised him to claim from the credit co. Initially, the credit co tried to put him off but, with trading standards' encouragement,he persevered.

The CC co. paid up and arranged repairs. From memory, I think he got them out again some years later when the door developed another fault. So he managed to get his 10 year guarantee at the end of the day.

ETA - when I said the CC co arranged repairs, I mean they actually made all the arrangements and payments with another door/window company. My friend simply had to agree dates for the repairs to happen. Wish I could remember the CC co's name now!