Credit Card s.75 cover - would it apply in Turkey?

dodomoney

Thanks for all your replies, I really appreciate the help.

Just to return to question 2
2. I was hoping that joint liability will apply so I could pay a small sum on the credit card (such as 1 euro) to avoid card transaction fees, and then pay the rest in cash. Is it correct that my credit card provider would be liable for the full amount even if I only pay 1 euro on the card?

Just to clarify, is my joint liability assumption correct with credit cards? For example if I'm in the UK and buy a TV over £100. I pay £1 on credit card and £199 in cash. If the TV breaks and the company that sold it goes bust - I can still claim the full £200 off my CC provider?

gt94sss2

dodomoney wrote: »

Just to clarify, is my joint liability assumption correct with credit cards? For example if I'm in the UK and buy a TV over £100. I pay £1 on credit card and £199 in cash. If the TV breaks and the company that sold it goes bust - I can still claim the full £200 off my CC provider?

Theoretically, yes, But even then, you can't always reclaim the full cost - sometimes its just a percentage (partly depending on how long you have owned said TV). Also, there is a maximum £ above which Section 75 does not apply.

You have had some very good advice on this thread including:

a) You would need to demonstrate that a breach occurred under Turkish law, since that's what applies to the transaction;

b) Section 75 won't cover you just because you say you are unhappy with the results of the operation, rather than say the airline or clinic going out of business before the operation;

c) you may find that credit card companies won't believe you when you claim you paid £x in cash. A electronic transfer of some sort would provide some sort of electronic evidence trail..

Paying it all by credit card would be better or if you only want to pay some this way, then pay the rest on a debit card so at least you have some additional protection in the form of chargeback.

Fees don't need to be a factor if you use the fee free debit/credit cards listed at https://www.moneysavingexpert.com/credit-cards/travel-credit-cards/

Also, even though paying anything on a card technically means its covered by Section 75 (as long as it doesn't exceed the total cost limits), I would pay at least £100 not £1 by this method.

Its also worth remembering the European Health Insurance Card (EHIC), is not valid in Turkey so I hope you also plan to have comprehensive travel/medical insurance which would cover the costs of repatriating you to the UK (which is very expensive if they need to medically evacuate you) in the event of any problems which also allows operations overseas (and I suspect you would need to explicitly tell the insurance firm of your plans in advance)

jonesMUFCforever

Normal travel insurance will not cover you if you intend to travel abroad for surgery!

melanzana

I do hope whatever the result is that you will be ok OP.

But for me I will never set foot in Turkey as long as the Sultan Erdogan is in charge.

chattychappy

18cc wrote: »

A simple google search finds the answer

https://www.theguardian.com/money/2006/apr/13/yourrights.legal2

Well... a typically simplistic newspaper story. For example they write

"You get all your UK shopping rights whether you buy on the internet from a company in Germany, the United States or China."

which as others have pointed out is not true.

S75 dates back to a different era and isn't clear on how "cover" works overseas.

Indeed, the lender is made jointly liable in the case of breach of contract and misrepresentation. But it's generally assumed that these terms must be interpreted according to local law. UK consumer law implies all sorts of terms into consumer contracts - eg fitness for purpose and can exclude unfair terms - eg attempts to exclude liability for death or injury. Turkish law might be very different. Plus the process of making a S75 could be even more tricky than usual - with the CC demanding translations of T+Cs, expert opinion on Turkish law etc etc. (Just my speculation.)

dodomoney

gt94sss2 wrote: »

Paying it all by credit card would be better or if you only want to pay some this way, then pay the rest on a debit card so at least you have some additional protection in the form of chargeback.

Fees don't need to be a factor if you use the fee free debit/credit cards listed at https://www.moneysavingexpert.com/credit-cards/travel-credit-cards/

Also, even though paying anything on a card technically means its covered by Section 75 (as long as it doesn't exceed the total cost limits), I would pay at least £100 not £1 by this method.

Its also worth remembering the European Health Insurance Card (EHIC), is not valid in Turkey so I hope you also plan to have comprehensive travel/medical insurance which would cover the costs of repatriating you to the UK (which is very expensive if they need to medically evacuate you) in the event of any problems which also allows operations overseas (and I suspect you would need to explicitly tell the insurance firm of your plans in advance)

Thanks for the info.

I'll enquire with the treatment provider if they apply any fees using debit card. The reason I wanted to avoid card payments wasn't so much because of an exchange rate fee; but more because treatment providers over there apply a fee, I think it was either 4% or 8%. So it works out a lot cheaper to pay in cash. Having given it more thought though with all the advice in this thread I think I will indeed pay the lot on card, rather than some in cash. Im just not sure whether to use credit card or debit card (or maybe split it as £100 credit card and the rest on debit). Would you guys pay on credit card or debit? If theres a debit card I could get a good exchange rate on + some cashback/ nectar/ clubcard points etc then that'd be good.

With regards to EHIC, I do have the option of getting surgery in a different European country - such as Hungary. Its more expensive but Im not too bothered about that. I've not really factored EHIC in as Im of the understanding we might have lost that right if no deal Brexit goes ahead anyway.