Any cards that let you make S75 claims online?

Lit_Up

Nationwide doesn't let you make S75 claims online. You have to print off a form on their website and then print out your evidence and send everything via snail mail. In 2019.

https://www.nationwide.co.uk/support/support-articles/manage-your-account/section-75-claims

This is my first credit card so I don't know if this is the norm for S75 claims. But it's annoying enough for me to cancel this card so I would like to know if anybody has a different experience with their bank where they can do the S75 entirely online.

BoGoF

Not sure why anybody would base credit card selection on S75 process. It's not something most ever use.....I have been using credit cards for 30 years and never needed S75 or chargeback.

So unless you are in the habit of buying dodgy stuff, does it reslly matter?

Lit_Up

BoGoF wrote: »

does it really matter?

If you don't have an answer to somebody's question, why bother responding? Have you got nothing better to do?

BoGoF

Nah, not really on a cold Monday night.

Browntoa

No there isn't the answer

Ben8282

BoGoF wrote: »

Not sure why anybody would base credit card selection on S75 process. It's not something most ever use.....I have been using credit cards for 30 years and never needed S75 or chargeback.

So unless you are in the habit of buying dodgy stuff, does it reslly matter?

Have been using credit cards longer than you and have never done one either.
I agree this is a really strange reason for the OP wanting to cancel what would appear to be their one and only credit card.

Reading the link to Nationwide, I would have thought that chargeback was actually more appropriate for reasons 1 and 3?

Answer to OP's question: NO.

IvanDP

Lit_Up wrote: »

Nationwide doesn't let you make S75 claims online. You have to print off a form on their website and then print out your evidence and send everything via snail mail. In 2019..

Not S75, but my partner had to initiate a chargeback to her Nationwide credit card a couple of months ago.
Print off the form and fill it in, print off the supporting evidence, posted to Nationwide.
2 weeks later, full refund. no hassle at all.

I suppose in this digital age, I can understand the OP questioning why it cannot be done online, but, as others have said, citing it as a reason to cancel your one and only credit card seems a bit extreme.

Terry_Towelling

Lit_Up wrote: »

Nationwide doesn't let you make S75 claims online. You have to print off a form on their website and then print out your evidence and send everything via snail mail. In 2019.

https://www.nationwide.co.uk/support/support-articles/manage-your-account/section-75-claims

This is my first credit card so I don't know if this is the norm for S75 claims. But it's annoying enough for me to cancel this card so I would like to know if anybody has a different experience with their bank where they can do the S75 entirely online.

Does this mean you actually have a potential S75 claim already on your new card?

One possible reason for having to put it in writing may be because Nationwide will require you to sign a 'letter of assignment'. This is a legal declaration by you and will assign all of your rights over the debt (and any related goods) to the bank, so that they have the legal right to pursue its recovery (and take possession of any goods) after they have paid you out.

Another possible reason (and this is applies to card-based disputes in general) is that many disputes just 'go away' when a customer is asked to fill out a form. A card company I worked for found that over 50% of disputes vanished after a form was sent out for completion - although this may have been partly due to the extra transaction information provided with the form.

born_again

Some may let you do it via email to them. But there are somethings that they might/will need to talk to you about and need to be signed.

Best bet is to talk to the team that deal with them and see if it is a S75 claim & not a chargeback.
S75 is never a straightforward or easy task.

chattychappy

Technically YES, you can always make your claim online.

S75 is statute. It makes a lender jointly liable in cases of breach of contract/misrepresentation subject to certain provisos. There is nothing in the Act entitling the CC to demand that you pursue your claim in a certain way.

As soon as the claim arises, you are entitled to go to Moneyclaim online and sue them. You can do this in minutes! Of course, after you initiate the claim much that will follow will be by post.

Of course it is better form* to write beforehand rather than "sue out of the blue". In practice, I would always suggest that you cooperate with any procedures CCs set out provided they are proportionate and reasonable.

(For claims that are not small claim, this is mandatory and can have implications if you don't follow the pre-action protocol.)

eco_warrior

Some banks have online dispute options (chargeback). These are the front line while S75 sits behind this.

This is how banks work but online communities and forums tend to jump straight to S75 and make lots of noise.