Car dealer didnt take credit card payment

m0bov

Its very common for garages to not take the deposit to avoid the S75 comeback. They might feel its better to take a hit on the £75 then end up with a CC company on their back. Does'nt say much for the dealers confidence in the car. Is it a new car or s/h?

foxtrotoscar_2

Where are people getting the £75 deposit from?

m0bov

foxtrotoscar wrote: »

Where are people getting the £75 deposit from?

From the credit card

DoaM

foxtrotoscar wrote: »

Where are people getting the £75 deposit from?

Blame BoGoF That post conflated S75 with deposit to get £75

BoGoF

DoaM wrote: »

Blame BoGoF That post conflated S75 with deposit to get £75

Yeah, my fault. Was getting confused with the similar thread linked above. We don't know how much the 'small deposit' was in this case.

gettingtheresometime

BoGoF wrote: »

Yeah, my fault. Was getting confused with the similar thread linked above. We don't know how much the 'small deposit' was in this case.

when I worked in the accounts department of a garage, it was normal to accept £500 as a deposit and we'd happily accept this by CC.


It was only when the customer wanted to pay the balance by CC that there was an issue due to the charges levied by the CC company to us.


The company I worked for were very hot on what was owed by the customer and how it was being paid (eg finance etc)- granted not all garages would be like this but a red flag would have been raised about the balance being outstanding.

SnowTiger

gettingtheresometime wrote: »

The company I worked for were very hot on what was owed by the customer and how it was being paid (eg finance etc)- granted not all garages would be like this but a red flag would have been raised about the balance being outstanding.

It seems to me the dealer either can't (non-technical issue) or doesn't want to accept payment by credit card.

To them it may be worthwhile discounting the car by a small amount instead of dealing with a chargeback or the aftermath of a section 75 claim later.

Even if they do finally accept a credit card payment they may use an intermediary such as iZettle, which would break the direct link between debtor and creditor.

peachyprice

Even if they did take a payment now, after the fact and once the invoice has been marked as closed, would OP be entitled to S.75 protection? I would have thought the CC payment would have to have been made at time of purchase.

bris

peachyprice wrote: »

Even if they did take a payment now, after the fact and once the invoice has been marked as closed, would OP be entitled to S.75 protection? I would have thought the CC payment would have to have been made at time of purchase.

And what CC is going to take liability for this non payment. Does the OP just pick one at random?

shaun_from_Africa

peachyprice wrote: »

Even if they did take a payment now, after the fact and once the invoice has been marked as closed, would OP be entitled to S.75 protection? I would have thought the CC payment would have to have been made at time of purchase.

It may well depend on why the invoice was closed.
If it was a mistake then I don't see why it couldn't be reopened and the outstanding balance being paid on a credit card.
After all, if a retailer mistakenly under charges a customer then in some instances, they do still have a legal claim to the outstanding balance and when eventually paid, the late payment is still part of the original contract of sale.

Without knowing how much was remaining to pay and how much the car cost, it's not worth guessing what happened and why the money wasn't collected.ected.