Getting round CC fees

ANGLICANPAT

Aquamania wrote: »

If it's a small company, I would be surprised if they don't offer an independently backed guarantee as standard.

If they don't that should be setting alarm bells ringing!

Whilst S75 may offer an alternative avenue to claim against should the vendor no longer be around later, the best you could ever get back is the £730 contract price, which may not really help if all the windows have fallen out and it'll cost you £4k to get a proper company round to fix them.

Read the terms of the guarantee offered carefully, but most will guarantee to get the windows repaired if the vendor can't/won't

Yes thanks, covered that one. Insurance by 'Home Improvements Protection' who claim to be members of the Independant Warrenty Association. Rang the latter up, and it all checks out. Just wanted the CC protection as well , because I love belt and braces where possible !!

Thanks everyone. I rang the DG company today, and they are quite happy with my proposition . Im sure all will go well as the firm has a good local reputation , but at least Im prepared as best one can be , for other eventualities .

Aquamania

chattychappy wrote: »

Wrong.

Under S75 you can claim full damages or breach of contract - which can be far in excess of the contract price and even more in excess of what you actually put on the card.

But I agree you'd also want a separately backed warranty (FENSA or whatever).

You can try to claim what you want ... but I'm sure the best the judge will only award is your money back (full contract price plus possibly interest at statutory rate if there's any delay)

Aquamania

ANGLICANPAT wrote: »

Yes thanks, covered that one. Insurance by 'Home Improvements Protection' who claim to be members of the Independant Warrenty Association. Rang the latter up, and it all checks out. Just wanted the CC protection as well , because I love belt and braces where possible !!

Thanks everyone. I rang the DG company today, and they are quite happy with my proposition . Im sure all will go well as the firm has a good local reputation , but at least Im prepared as best one can be , for other eventualities .

Why not spread the £30 over as many credit cards as possible?

I read somewhere on this site recently that gives you even greater protection in case one or more of the credit cards goes bust :cool:

chattychappy

Aquamania wrote: »

You can try to claim what you want ... but I'm sure the judge will only award you your money back (full contract price plus possibly interest at statutory rate)

The principle behind damages is to put the claimant into the position they would have been in had the breach not occurred.

In my experience, judges (not to mention first year law students) are very familiar with this principle and it operates daily in courts throughout the land. I have argued it both ways (for claimant and defendant). People argue about the facts and the calculations, but never about the principle. It is established law.

ANGLICANPAT

Aquamania wrote: »

Why not spread the £30 over as many credit cards as possible?

I read somewhere on this site recently that gives you even greater protection in case one or more of the credit cards goes bust :cool:

Lol --Not quite a totally confirmed pessimist -- yet!