Any cards that let you make S75 claims online?

Fingerbobs

I'm not sure the OP has got the right impression of what S75 is all about. It's not a routine use of a credit card, so I'm not surprised there isn't an easy online way to do it.

I would say you'd need to use S75 about as often as you need to take a company to Small Claims Court to recover money, which for most people would likely be never in their lifetime.

In common with other posters here, I've never needed S75 nor Chargeback, and I've been a credit card user for 25 years.

born_again

chattychappy wrote: »

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.

So why not sue the retailer instead if it is so easy?

Doing what you suggest is likely to put them on the back foot and make it harder to get it resolved.

Anything like this is best to actually speak to the team dealing with these issues before sending anything in. That way you get the full facts on the best way forward from the people who will be dealing with it and might actually find that it can all be done online via email.

In my experience S75 is about 1 in 10,000 disputes. And maybe a lot higher. I think I can count the S75 cases I have sent on, on my hands. That is over 10+ years.

Terry_Towelling

born_again wrote: »

So why not sue the retailer instead if it is so easy?

Doing what you suggest is likely to put them on the back foot and make it harder to get it resolved.

Anything like this is best to actually speak to the team dealing with these issues before sending anything in. That way you get the full facts on the best way forward from the people who will be dealing with it and might actually find that it can all be done online via email.

In my experience S75 is about 1 in 10,000 disputes. And maybe a lot higher. I think I can count the S75 cases I have sent on, on my hands. That is over 10+ years.

I think what @chattychappy is trying to say is that you can choose to pursue a S75 claim against issuer/retailer using an online process if you wish to take it through the courts from the start - and no internal card issuer processes can be allowed to interfere with that legal right.

Most cardholders will shy away from legal action (as it will seem complicated and costly) when they can get a reasonably balanced view from their card company and can usually expect to be treated fairly when asking them to pay out without the need to go to court.

chattychappy

born_again wrote: »

So why not sue the retailer instead if it is so easy?

Doing what you suggest is likely to put them on the back foot and make it harder to get it resolved.

(my emphasis)

What I suggested is the bit after the word "suggest" in the bit you didn't quote:

chattychappy wrote: »

In practice, I would always suggest that you cooperate with any procedures CCs set out provided they are proportionate and reasonable.

Nebulous2

Some time ago now, but I pretty much got fedup of the faff with Nationwide and the obstruction from Currys and went for a small claim with them both as defendants. It worked out ok for me and I got my kitchen finished which was the main thing. https://forums.moneysavingexpert.com/discussion/5486451/rejecting-oven

eco_warrior

born_again wrote: »

So why not sue the retailer instead if it is so easy?

Doing what you suggest is likely to put them on the back foot and make it harder to get it resolved.

Anything like this is best to actually speak to the team dealing with these issues before sending anything in. That way you get the full facts on the best way forward from the people who will be dealing with it and might actually find that it can all be done online via email.

In my experience S75 is about 1 in 10,000 disputes. And maybe a lot higher. I think I can count the S75 cases I have sent on, on my hands. That is over 10+ years.

It would be interesting to understand what kind of dispute/claims you deal with.

I agree s75s Make up a small % of overall claims but perhaps not as small as your experience says.