Section 75 credit act

wealdroam

Chrisgd wrote: »

thanks for all the info, I don't suppose my credit card bank will allow me to cancel the transaction and did a couple of hours ago?

No harm in asking them, is there?

But if they have already processed your request then they may be reluctant to reverse it without substantial proof that there really is an issue. That proof may not be available until 15 days after the due delivery date, as I mentioned earlier.

cookie365

Just a thought: since the price the OP paid almost certainly doesn't include VAT or duty, would that push the price over £100 per item for the purposes of S75, assuming that the OP would be paying that via the importing courier?

wealdroam

cookie365 wrote: »

Just a thought: since the price the OP paid almost certainly doesn't include VAT or duty, would that push the price over £100 per item for the purposes of S75, assuming that the OP would be paying that via the importing courier?

I don't know the answer to that, but if the OP got charged vat (and duty if appropriate) by customs, that would tend to indicate that the goods are very likely to be delivered so there couldn't be a claim for non-delivery. There may of course still be a S75 claim if the goods were defective in some way, e.g. counterfeit.

Thinking a bit harder, perhaps any customs bill would be considered just another invoice line, thus still no item would cost over the £100 threshold.

unholyangel

I dont think customs would make a difference as the act refers to

(b)so far as the claim relates to any single item to which the supplier has attached a cash price not exceeding [F2£100] or more than [F3£30,000][F4, or]

The cash price attached by the retailer in this instance is less than £100.

There is also the issue that in a section 75 claim, it only gives you a claim against the credit provider if you have one against the supplier. If its not a UK company, then you wouldn't have UK consumer rights - unless they agree to be governed by english or scottish law.

Chrisgd

Well chaps, got up this morning checked the to see if I had a message from golf club supplier, and I'm more than happy to say I had a message telling me the transaction never took place as there appears a problem with my card! I've checked my card and no payments have gone out, I assume if I had paid at 7pm last night it would should on my credit card details, would it not??
On the face of it, it appears I have been very lucky, and won't be out of pocket,
Can I just say a big thank you to everyone who's contributed to this thread,
Thanks again
Chris

cono1717

Not to be the Debbie Downer - perhaps they have stored the card details for future use? I'd pay very close attention to your account in the future.

zaax

Sounds like your bank caught the transaction. Make sure that card is actually working as they might have cancelled it