Section 75 and Amex

ten66bill

I noticed in his article "Section 75 Refunds" updated April 2016 Martin said
"To make a claim, you need to contact your credit card company (you can still claim on an account that's closed) not Visa, Mastercard, or Amex. So if you've got a HSBC Mastercard, you claim from HSBC, not Mastercard."
I can easily see how that works ok for Mastercard and Visa where the banks run the show, but what about American Express, that never seems to be the case with them. The American Express cards just say they are "American Express", so if Martin says that you cannot go to them who can you in that case, who is the "credit card company" then and where does this point leave Amex users faced with Section 75 type issues. Anyone know?

Kind Regards

Pete Rogers

Voyager2002

Contact whoever issued the card... for example, my AmEx card is issued by Barclaycard.

Deadbeat

It's the lender.

So in the case of a Barclaycard Amex, Barclaycard are the lender and American Express provide the payment network.

grumbler

ten66bill wrote: »

I can easily see how that works ok for Mastercard and Visa where the banks run the show, but what about American Express, that never seems to be the case with them. The American Express cards just say they are "American Express"

In UK Visa and Mastercard only provide services to CC companies (not necessarily 'banks'), and don't issue cards (lend money) to customers directly. In some other countries they do.

Similarly, in UK Amex provide services to banks and issue cards (lend) directly.

Under s75 it's the lender who is liable, not the payments processing service provider. If Amex card is issued by, say, Lloyds, then Lloyds is liable. If it's issued by Amex directly, then it's Amex (the CC company).

dj1471

Worth noting that Amex charge cards are not covered by S75, only Amex credit cards.

ten66bill

Ok, Bit confusing, but I think I can deduce it. Martin was in error wrong to say, unconditionally, not to approach Amex directly with s75 claims- period! He should have said that if there is another bank involved then go to them, but if not you must go to Amex. Thjat is really misleading, I hope he will correct the advice. Thanks for everyones koind help