How can i protect a purchase when i can't use a card ?

J332

I've placed an order for a composite door with a Rockdoor 'trusted installer', who asked for 10% deposit by bank transfer - I had wanted to pay my deposit by credit card for the section 75 protection but the installer does not have a card machine, so no ability to take card payments.

I have transferred the 10% but is there a way in which i can protect my purchase when paying the remainder on installation ?

Is paying through paypal with my credit card a better option than bank transfer ?

Greta_Sharbo

Paypal does potentially give a level of protection. Bank transfers have virtually no protection.
Who is the trader? In what way are they "trusted"?
What concerns do you have?

theonlywayisup

As you have paid a deposit you will not get any Paypal protection on paying the remainder via Paypal as they require payments to be made in full and not as part payment or deposit. These such payments have no buyer protection.

DoaM

Companies like this should have lines of credit with their suppliers that enable them to initiate a job without any payment from the consumer. If a company insists on a deposit (to show that the consumer is serious - and 10% is OK IMHO) then they should be able to offer a payment mechanism that affords the consumer some protection.

If a company insisted on payment in cash (bank transfer is effectively cash) then I'd find another company.

Greta_Sharbo

theonlywayisup wrote: »

As you have paid a deposit you will not get any Paypal protection on paying the remainder via Paypal as they require payments to be made in full and not as part payment or deposit. These such payments have no buyer protection.

I didnt know that, useful info. Thanks.

DCFC79

Are you concerned as you have heard something negative or your just covering what might happen in the future ?

BoGoF

I wouldn't do business that insisted on bank transfer

J332

DCFC79 wrote: »

Are you concerned as you have heard something negative or your just covering what might happen in the future ?

Just trying to give myself a level of protection if anything should happen in future.

J332

DoaM wrote: »

Companies like this should have lines of credit with their suppliers that enable them to initiate a job without any payment from the consumer. If a company insists on a deposit (to show that the consumer is serious - and 10% is OK IMHO) then they should be able to offer a payment mechanism that affords the consumer some protection.

If a company insisted on payment in cash (bank transfer is effectively cash) then I'd find another company.

Good to know, alas i have now paid a deposit.

J332

Greta_Sharbo wrote: »

Paypal does potentially give a level of protection. Bank transfers have virtually no protection.
Who is the trader? In what way are they "trusted"?
What concerns do you have?

Rockdoor do not sell/install their doors directly, they give your details to a reputable installer in your area and you make your purchase through them. I have no issues with the installer, more wanted additional protection on the door itself (the door is covered by a 10yr warranty- which is given to the installer, as he purchases the item from Rockdoor).

DoaM

So in other words the warranty is with the installer and not Rockdoor?

If yes then the warranty is only any good if the installer remains in business (in their current trading name. If they're a Limited company and "go bust", then phoenix as a new name then the warranty is worthless).