Garage will not accept credit card

AndyMc.....

DoaM wrote: »

How much are we talking about? Remember that he'll incur charges for accepting credit card payments (which he can pass on to you).

Offer to pay a small sum on credit card and the balance by cash/BACS? That way you still retain S75 protection ... S75 simply requires that the item cost is £100+, not that the entire amount has to be paid by credit.

Despite the title he wants to pay using a debit card.

unholyangel

Car_54 wrote: »

Indeed. The only form of payment which he must accept is legal tender, i.e. Bank of England notes, and coins within certain limits, see http://www.royalmint.com/help/help/legal-tender-amounts

And there is no requirement to give change!

Thats incorrect I'm afraid. Even the link you've provided states in its opening paragraph that:

Legal tender has a very narrow and technical meaning in the settlement of debts. It means that a debtor cannot successfully be sued for non-payment if he pays into court in legal tender. It does not mean that any ordinary transaction has to take place in legal tender or only within the amount denominated by the legislation.

If the trader agreed to accept payment by debit card before the contract was entered into, then that becomes a term of the contract. Terms - once agreed - cannot be unilaterally varied. It also has strong potential to leave the innocent party in a worse off position due to the breach of the other party.

That being said, unless you have it in writing via text/email/something, it will largely come down to he said/she said.

iolanthe07

IIRC Some Visa debit cards have similar protection to section 75.

peter_the_piper

If the OP has gone past speaking to the garage and now even the solicitor has stopped communicating. It would seem there is a lot more going on and for a far longer period. Get a written invoice and just pay the guy, his machine must now be working but he just does not want to risk letting the car go without the certainty of getting his money.

happyandcontented

There is a chargeback facility when paying by debit card as well as by credit card.

http://www.which.co.uk/consumer-rights/advice/how-do-i-use-chargeback

missile

peter_the_piper wrote: »

If the OP has gone past speaking to the garage and now even the solicitor has stopped communicating. It would seem there is a lot more going on and for a far longer period. Get a written invoice and just pay the guy, his machine must now be working but he just does not want to risk letting the car go without the certainty of getting his money.

and now OP has stopped communicating. As you say, I suspect there is more to this story than we have been told.:money:

interstellaflyer

There is a lot more to this than the op is telling us though if the card machine was faulty the transaction could've been done on a manual machine in the old way with telephone authorisation, I don't know of a provider that doesn't supply a manual machine that takes an imprint of the card as an emergency back up.

happyandcontented

There may not be any more to the story than the OP is saying. It may simply be that the garage owner agreed to a debit card payment, then changed his mind due any number of issues which could have arisen after he had made the agreement with the OP. Issues such as fees, bank charges, convenience, tax(!) etc, etc, my hairdresser just stopped taking card payments because she got sick of paying the fees and didn't want to add the cost onto the cost of her services.

arcon5

If I was the garage owner then alarm bells would most certainly be ringing by now with your insistence to use credit card.

interstellaflyer

arcon5 wrote: »

If I was the garage owner then alarm bells would most certainly be ringing by now with your insistence to use credit card.

I don't know if it can still happen but a few years back we got screwed for over £500 on a Laser Printer we sold, the customer came into the shop and paid for it on credit card then did a charge back, as we didn't have anything other than the PDQ receipt there was nothing we could do about it.