SECTION 75

haz25a

Hi

I recently bought two items from two separate companies. A laptop which has arrived and a cooker which is due to arrive on the 18th August.

I specifically used my credit card to pay for these items in case I needed to use Section 75.

The card I used to pay for these items has annoyed me immensely this evening. Earlier I went to pay my credit card online and the payment was declined as I had "changed my personal details recently, if this wasn't me please contact the Fraud Department". I did that and was eventually transferred to payments to pay over the phone. The person I spoke to said that they had mistakenly changed my personal details without my knowledge or consent but changed them back again, it was my address, but due to this error on their part a 30 day block had been placed on my credit card and they would not even allow me to pay! She said all she could do was apologise! Anyway, the trust has been broken now and I've lost faith in them.

My question is: If I transfer my credit card balance to another credit card, will I still be eligible for Section 75 (should I need it) on the credit card that I originally used to pay for the items?

I'm sorry for the long post and hope that I have made myself clear.

Thanks in advance.

bigadaj

Put in a complaint you're likley to get maybe£20 for your inconvenience. If you can't pay did they confirm you won't be charged interest and your credit file won't be adversely marked. 
Transferring the money won't make any difference to your section 75 rights, why not apply for another card and just use that and shut this one down in a few months, might be easier for a section 75 claim if you are still a card holder.
Section 75 is obviously a measure that makes the card jointly liable, it's not an additional insurance or safety net, the items you've bought will be subject to statutory rights and guarantee in any case.

Sandtree

Yes, the S75 rights remain with the company you've fallen out with, it doesnt transfer to the new card company with the balance.

jonesMUFCforever

Yes I agree with others you will still be covered but keep the card open just in case.
It will be a lot easier to get money back if the original card is open to receive any refunds.

born_again

About the only thing a change of address might mean is a new card being sent to a branch.

Change of address causing a block that means you can't pay...... Is a bit like a butcher being Vegan

haz25a

born_again said:

About the only thing a change of address might mean is a new card being sent to a branch.

Change of address causing a block that means you can't pay...... Is a bit like a butcher being Vegan

I haven't changed my address. Lived at the same address for 20 years. It was an error on their part. According to them they accidentally removed part of my address and then changed it back again,  that's what is so annoying.

Roseanne1887

Sorry to hijack the thread but I also have a section 75 question.  My sister ordered some topsoil on 13th July paying by credit card but the person doing her garden realised he had enough soil already there for what he wanted to do.  She straightaway cancelled the order, on 21st July, which intially cost £201.60 including £26.40 in shipping fees.  She was told that it would cost £132 to return the goods because they were already at the depot ready for her chosen delievery date, the company told her this £132 would be deducted from her refund.  She accepted this and confimred the cancellation of the order.  She expected to get back £69.60 on the strength of this but only got back £43.20.  So they also deducted the £26.40 she paid for shipping for the refund.  When asked for an explanation, She was told they could do this as the return fees were deducted from the cost of the product but and quoted the Distance Selling Regulations.  By my reading of these regulations, they state that, shipping fees must be included in any refund if they are cancelled before the arrival of goods.  She got a text on 24th July to say that her order would arrive that day and immediately emailed the company again to state that she had already cancelled and asking them not to attempt delievery.  This was not acknowledged, the goods arrived and my sister refused to accept them.  My sister's understanding was that the shipping fees were for delivery of goods she ordered but, as she cancelled that, it was expected that they would not be delivered.  Thec company admitted when we complained that the infromation about te cancellation was not passed on so it was their fault so why should my sister pay those charges?  She has asked me to draft a section 75 claim with the bank rather than waste anymore time with the supplier.

After a somewhat longwinded explanation of events, my question is does she have a right to get the full cost of the goods back, i.e. the £201.60?  I read that under section 75 it is the cost of the goods/service that is relevant not the cost of the transaction but I believe this was in the context of people paying a deposit on a credit card and the rest by some other means and I want to make sure I don't misunderstand before I draft the claim.

Thanks in advance for any help.

phillw

haz25a said:

but due to this error on their part a 30 day block had been placed on my credit card and they would not even allow me to pay!

I've never heard of a company that would refuse to take a payment due to an address change, let alone one that was due to a mistake on their part.
I would tell them you want to make a complaint about their inability to reliably store your data and then subsequently refusing to take a payment and preventing you from using your credit card. If they refuse to do anything immediately then ask for a deadlock letter for the ombudsman.

born_again

Roseanne1887 said:

Sorry to hijack the thread but I also have a section 75 question.  My sister ordered some topsoil on 13th July paying by credit card but the person doing her garden realised he had enough soil already there for what he wanted to do.  She straightaway cancelled the order, on 21st July, which intially cost £201.60 including £26.40 in shipping fees.  She was told that it would cost £132 to return the goods because they were already at the depot ready for her chosen delievery date, the company told her this £132 would be deducted from her refund.  She accepted this and confimred the cancellation of the order.  She expected to get back £69.60 on the strength of this but only got back £43.20.  So they also deducted the £26.40 she paid for shipping for the refund.  When asked for an explanation, She was told they could do this as the return fees were deducted from the cost of the product but and quoted the Distance Selling Regulations.  By my reading of these regulations, they state that, shipping fees must be included in any refund if they are cancelled before the arrival of goods.  She got a text on 24th July to say that her order would arrive that day and immediately emailed the company again to state that she had already cancelled and asking them not to attempt delievery.  This was not acknowledged, the goods arrived and my sister refused to accept them.  My sister's understanding was that the shipping fees were for delivery of goods she ordered but, as she cancelled that, it was expected that they would not be delivered.  Thec company admitted when we complained that the infromation about te cancellation was not passed on so it was their fault so why should my sister pay those charges?  She has asked me to draft a section 75 claim with the bank rather than waste anymore time with the supplier.

After a somewhat longwinded explanation of events, my question is does she have a right to get the full cost of the goods back, i.e. the £201.60?  I read that under section 75 it is the cost of the goods/service that is relevant not the cost of the transaction but I believe this was in the context of people paying a deposit on a credit card and the rest by some other means and I want to make sure I don't misunderstand before I draft the claim.

Thanks in advance for any help.

S75 won't apply because she cancelled the order (thus broke any contract) 
The only chargeback option would be if she can get it in writing that the company are going to refund Amount on date to last 4 of card no. Anything less and it's not go.
TBH. Reply via email that order was cancelled, seems a good idea to keep proof, but as many email accounts are not monitored all the time, it should have been followed up straight away by a phone call to stop them attempting delivery.

As a guide it is better to start your own thread, or it causes confusion with replies.