Paying for cottage by BACS?
in UK holidays, days out & entertainments
11 replies 927 views
I am looking at booking a holiday for the summer and have found a nice cottage. It's available through usual cottage booking websites bit is about £300 cheaper if I book direct with the cottage owner. However she only takes cheque or BACS. How safe is it to pay by BACS? Is there any security? I want protection but don't really want to have to pay a lot more for using a 3rd party
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I'd have no issue and I assume by BACS they actually mean direct transfer of funds.
The only normal people you know are the ones you don’t know very well
There are so many scams going on at the moment during lockdown, I'm suspicious of everything and everybody!
Just be careful, as you could lose your money. If you need to cancel because the virus has not gone or has come back or something for example, would you be due a full refund?
Very dodgy way of booking a trip in my personal opinion
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Are you suggesting that every small trader who does not offer card merchant services is somehow 'dodgy'?
As some have said above, most owners of a single cottage won't have the facilities to take credit card payment. £300 does sound like a big mark-up for an agent, but you don't say what the rental rate is , so it's tricky to work out what percentage that is.
We do also let through a booking site that accepts credit cards, so people have the option to pay commission and get a degree of protection, or book direct and make a saving. Sounds as though you have the same choice.
I don't think it's suspicious that a holiday cottage owner would ask for a bank transfer, I'm just pointing out the risks.
After having seen people lose thousands with a holiday company that requested bank transfers and faked having the required insurance, I would never pay for something expensive in advance by bank transfer. You get so much more protection with cards, although section 75 protection with credit cards isn't as clear cut as I thought as using an agent or paying through PayPal invalidates it. So booking a cottage through a booking agent means you don't get section 75 protection if then there's a dispute with the property but chargeback might be possible.