Where do I stand ? Golf membership paid by credit but course isn't being looked after

SnowTiger

chanz4 wrote: »

Its a finance not credit card

Section 75 doesn't only cover credit cards.

http://www.financial-ombudsman.org.uk/publications/technical_notes/goods-and-services-bought-with-credit.html#1a:

Section 75 only applies where goods or services are bought using types of consumer credit where arrangements are already in place between the supplier of the goods and the provider of the credit. When the consumer uses that credit to make a purchase, this creates the necessary connection between the consumer, the lender and the supplier.

For section 75 to apply, the provider of the credit and the supplier of the goods need to be separate businesses. Occasionally we see a complaint where the supplier of the goods has itself made the loan to the consumer to buy the goods - so no claim is possible under section 75.

It appears the golf course had an arrangement in place with a third party, Premium Credit, to offer loans to its customers to pay membership fees. Section 75 may apply.

pvt

chanz4 wrote: »

Its a finance not credit card

Chanz,

This is exactly what S75 was intended for. It stems from a time in the 1970s where companies sold windows, kitchens, and conservatories and arranged loans through "independent" lenders. The work done would be unsatisfactory, the companies would go to the wall, but the lenders kept on collecting on their loan. The whole point of S75 was to make sure lenders took an interest in who they were facilitating payments for by making them jointly and severally liable when things go wrong.

It applies to any company providing a loan under the 1974 Consumer Credit Act.

richardvc

Thank you all - I have tried hitting thanks buttons but the site doesn't seem to like it ! I will have another go in a day or two.

What I don't understand is the fact Premium Credit told me that I can cancel my agreement with them and they would refer it back to the club AND added that this would have no adverse effect on me - everything that I have read seems to state the opposite !!??

Whilst I wouldn't wish to take them to the small claims court it does seem somewhat the only viable option.

I have carried on paying my membership to PC and have now made three payments totalling £315.

I will re-read all the above comments and try and work out my next course of action (no pun intended !) in a calm and non-emotional manner.

Thanks again.

tripled

richardvc wrote: »

What I don't understand is the fact Premium Credit told me that I can cancel my agreement with them and they would refer it back to the club AND added that this would have no adverse effect on me

Have you got that from them in writing?