Nightmare used car purchase S75

born_again

elwon20 said:

Manxman_in_exile said:

You didn't notice that they'd undercharged you by £2K?

When we bought our current car I paid £10k on a card and I double and triple-checked the amount was correct before authorising it.  You didn't?

I genuinely didn't. The fact that it was split over more than one card, and there were card fee's complicated things slightly. But no, I didn't personally add up the figures there and then. I told them how much to take from 1 card. Put in my pin. Gave them my 2nd card. Put in my pin. Had them tax it. Signed the forms, went to the car, bought insurance in the car (already had a quote just had to click yes and put in my card details) and left.

What card fee's?
They can not charge any extra fee's when using a credit card.

Also if you spread the cost over 2 different credit cards, be prepared to have the card providers want you to take it up with the other to cover their part of it.

Might even find that they will want to look at a chargeback for faulty before looking at S75.

born_again

williamgriffin said:

So you need to speak to the card company because as I see it at the minute you will wait 8 weeks for their decision and they may say return the car.

Where does the 8 weeks come from?
8 weeks is a complaint timescale before you can go to FOS. Starting a S75 case is not a complaint.
There is no time limit on resolving a S75 claim, even if you raise a complaint. They take as long as they take.

elwon20

born_again said:

elwon20 said:

Manxman_in_exile said:

You didn't notice that they'd undercharged you by £2K?

When we bought our current car I paid £10k on a card and I double and triple-checked the amount was correct before authorising it.  You didn't?

I genuinely didn't. The fact that it was split over more than one card, and there were card fee's complicated things slightly. But no, I didn't personally add up the figures there and then. I told them how much to take from 1 card. Put in my pin. Gave them my 2nd card. Put in my pin. Had them tax it. Signed the forms, went to the car, bought insurance in the car (already had a quote just had to click yes and put in my card details) and left.

What card fee's?
They can not charge any extra fee's when using a credit card.

Also if you spread the cost over 2 different credit cards, be prepared to have the card providers want you to take it up with the other to cover their part of it.

Might even find that they will want to look at a chargeback for faulty before looking at S75.

They charged me 1.x% (I don't remember exactly) for using credit cards, they said this was to cover the fees they pay. The rate varied as one was MasterCard and the other visa.
Unfortunately, I've already sent them £1000 via bank transfer since then. So I doubt that's an option.

elwon20

Looking back at the receipts, actually, roughly half was paid on a visa debit card... the other half was on my MasterCard credit card. IIRC, they charged for both but I honestly can't be certain... they certainly charged for the credit card.

born_again

elwon20 said:

They charged me 1.x% (I don't remember exactly) for using credit cards, they said this was to cover the fees they pay. The rate varied as one was MasterCard and the other visa.
Unfortunately, I've already sent them £1000 via bank transfer since then. So I doubt that's an option.

So they are breaking the law by charging extra. Unless you were using a business credit card.
That will give you some leverage against them...

https://www.moneysavingexpert.com/news/2018/01/cards-fees-to-be-banned-from-saturday

elwon20

born_again said:

elwon20 said:

They charged me 1.x% (I don't remember exactly) for using credit cards, they said this was to cover the fees they pay. The rate varied as one was MasterCard and the other visa.
Unfortunately, I've already sent them £1000 via bank transfer since then. So I doubt that's an option.

So they are breaking the law by charging extra. Unless you were using a business credit card.
That will give you some leverage against them...

Wow, that's good to know! Yet another law they've broken.
Thanks

williamgriffin

elwon20 said:

born_again said:

elwon20 said:

They charged me 1.x% (I don't remember exactly) for using credit cards, they said this was to cover the fees they pay. The rate varied as one was MasterCard and the other visa.
Unfortunately, I've already sent them £1000 via bank transfer since then. So I doubt that's an option.

So they are breaking the law by charging extra. Unless you were using a business credit card.
That will give you some leverage against them...

Wow, that's good to know! Yet another law they've broken.
Thanks

Look on the bright side, you could have bought an ex mini cab. 

Spank

Or a hire car.

williamgriffin

Spank said:

Or a hire car.

Who's bought one of those this week?

Spank

williamgriffin said:

Spank said:

Or a hire car.

Who's bought one of those this week?

? I was jokingly referring to how hire cars are (or can be for the pedants) driven.