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Section 75 claims
Comments
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InsideInsurance wrote: »For S75 to apply the account holder of the credit must directly benefit from what was bought. If you bought him a car as a gift or loan then the chain is broken as you do not have direct benefit and so no S75 protection.
I've often heard that said, but I believe S75 does apply in the case of gifts. S75 makes the CC jointly liable in the case of breach. If you give a gift that is faulty, you are still entitled to a refund, and the CC is jointly liable.
Willing to stand corrected if anyone can point to a case that supports the "direct benefit" exception thing... but S75 doesn't have any specific exemption.0 -
What MSE say about a gift is:
I guess for the car to count as a gift for the son, the OP had to buy in on his name, then gift (re-register) to the son.... if it was ... gift for the main cardholder, this is likely to be OK0
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