Section 75 - private sales?

IrishKate

Everything I can find is about S75 credit card cover for purchase from ‘retailer’ or ‘company’. Is there anything that covers sale by individual eg buying expensive bike direct from person who wants cash in hand, if I paid part via PayPal on credit card would that protect me?

eskbanker

No, s75 only offers protection when directly paying someone who accepts credit card payments - using intermediaries such as PayPal nullifies this.

[Deleted User]

Section 75 doesn't cover payments via paypal, it only covers payments with a direct relationship between the card company and the retailer / between the debt and the product. You pay paypal, paypal pays the other person. Even if they accepted part payment by paypal you wouldn't be covered. Private sales are caveat emptor and court action is the option if they have somehow misrepresented the sale

Chino

eskbanker said:

No, s75 only offers protection when directly paying someone who accepts credit card payments

Section 75 is not specifically about credit card payments.

phillw

Chino said:
Section 75 is not specifically about credit card payments.

Sure, but the seller would have to be offering credit with a regulated credit agreement.
It doesn't matter how you borrow money to pay for something you aren't covered.
You could pay the seller via paypal for the entire value, plus the fees & then you should get paypal buyer protection.
If he won't accept that then I would walk away. Especially if he suggests sending it friends and family to avoid fees as that is you swearing to paypal the money is a gift. You get no protection if you gift people money.

eddddy

Taking a step back - what eventualities are you hoping might be covered?

It sounds like you'd be buying from a private individual, so consumer protection legislation doesn't apply. e.g. If you find a fault with the bike few days after you bought it, you probably wouldn't have any basis for a claim.

I guess you might have a claim for 'misrepresentation', if the seller mis-led you in some way. For example, they mislead you about the age of the bike, when it was serviced, availability of spares etc

Or if it turns out that the bike is stolen, and the police take it away from you.

In those kind of cases, your only recourse would be with a court claim. (But it would be better to do detailed inspections and checks, before you hand over your money.)