Buy used car with credit card from private seller

Car_54

Clive_Woody wrote: »

I suspect the car was sold as seen, but it is unusual for a private individual to take credit card payments and if there was a business name on your statement from the transaction you may be able to make a claim against them.

Under Section 75 of the Consumer Credit Act 1974, the credit card company is jointly and severally liable for any breach of contract or misrepresentation by the retailer or trader.

Section 75 actually applies to a "supplier": there is no reference to "retailer" or "trader", so it would appear to cover private sales

shaun_from_Africa

Car_54 wrote: »

Section 75 actually applies to a "supplier": there is no reference to "retailer" or "trader", so it would appear to cover private sales

The problem is, even if S75 does cover sales from private sellers, the credit company would only be liable if there is a provable breach of contract and as goods sold by private sellers do not need to be durable nor fit for purpose, actually getting the credit company to accept responsibility will be next to impossible.

Unless the radio and movable lights were specifically stated as working then no breach has taken place, hence no liability on the credit supplier.