Using our credit card for daughters wedding - does section 75 still apply?

terri60

We are paying for our daughter's wedding reception and dress with our credit card. Would this be covered by section 75. 

MalMonroe

Yes, if something went wrong. Are you expecting trouble?

I think the information in this link is really comprehensive, and recent - https://www.moneysavingexpert.com/reclaim/section75-protect-your-purchases/

Section 75 doesn't cover you if there's been a change of mind. But have a read of the info in the link, it's from this very site.

pbartlett

can i just check - if you pay for someone else's wedding reception ie not your own are you covered... ?

[Deleted User]

No.         

eskbanker

If the cardholder is the named contact on a contract with the reception venue then I don't see why not.  A dress that's clearly for someone else may be more problematic but even then it's debatable....

bris

First off it depends on whose names the contracts are in, secondly buying things for someone else don't tend to be covered as S75 is a thing for the card holder personally. The wedding reception and the dress are not for you so your claim would most likely be rejected. 

There can be exception to that under certain circumstances but you will have a fight on your hands that the ombudsman would have to resolve. Wedding insurance is your first priority.

born_again

I would add. Do not think of S75 as a alternative to proper wedding insurance.

eskbanker

bris said:

First off it depends on whose names the contracts are in

As above, I agree with this, and this is supported by an ombudsman decision, https://www.financial-ombudsman.org.uk/files/55663/DRN1816689.pdf, which makes it clear that a claim in similar circumstances failed because the cardholder's name wasn't deemed to be on the contract and all correspondence was with his daughter.

bris said:

secondly buying things for someone else don't tend to be covered as S75 is a thing for the card holder personally. The wedding reception and the dress are not for you so your claim would most likely be rejected.

Less convinced about the generality of this, however, and perhaps worth highlighting an extract from that same decision, which suggests that if OP buys a dress for their daughter, and gifts it, this wouldn't negate the buyer's s75 rights:

Section 75 does apply in circumstances where a person buys goods or services which they then gift to another. But that is where they have an agreement with the supplier to acquire the goods or services and they then gift them to another.

pbartlett

Yes you have to be careful. If you buy something in your name using your card, the receipt is in your name, the guarantee is in your name, etc etc you are then allowed to then gift it to eg your daughter without losing S75 rights.

On the other hand, if say you bought a car for your daughter, the registration doc was in her name, the receipt in her name, it was obviously bought for her use not yours, then you wouldn't be covered.

MattMattMattUK

You would be much better off transferring your daughter the money and getting her to pay on her own credit card, it removed all risks associated with contracts and payments not aligning etc. 

Also as others have mentioned above make sure you take out proper insurance, S75 is in no way a replacement for insurance.

Ganga

If you paid for your granddaughters wedding or god daughters wedding and they do not have the same surname surely you would be covered? i agree insurance is a must with the costs associated with weddings.