Paying for glasses with credit card, will sec 75 still apply ?

retiree

silverwhistle said:

Just change the exclamation mark to a question mark..:-)

That's exactly what I intended - I must have been distracted.

born_again

MalMonroe said:

retiree said:

mjm3346 said:

Deleted_User said:

I'm not sure any of that is a reason to avoid paying for glasses with a credit card.

I agree what a totally useless thread title.

Fair comment. I should have phrased it better. I just wondered what people thought of the issue.

I don't think your thread title is useless at all. Take no notice.

I'm a pensioner and I think Nationwide is trying it on. Just keep on at them.

The eye test is a totally different thing to buying a pair of specs. And this is evidenced by the fact that you are allowed to take your prescription to any other optician in the country once it's been issued. You are not bound to use the same optician. So that means that if you did use another optician - I have in the past - then the dispensing optician's goods and services DO fall under Section 75. I don't see any difference between that and using separate different opticians. If you have a problem with your glasses, you should definitely pursue this.

You need to point out to Nationwide (I have an account with them and am thinking of switching!) that they are two entirely different and separate issues and that Section 75 does, indeed, apply to your situation. Don't let them fob you off with such pompous nonsense. Good luck! But you won't need it.

Without any idea as to what the actual issue is. We are all clutching at straws.

If the OP would be prepared to say what the actual issue was, they would get advice. Sadly with the thread title just being a warning. We are grasping at straws.
As I said in my 1st post & @eskbanker has said. If you have not paid for the service of the eye test, then there is no claim on that part.
Optician could send you out and not give you your prescription. While it is your legal right to have this, there would be nothing a bank could do as it is not in their remit under S75

mjm3346

MalMonroe said:

mjm3346 said:

Deleted_User said:

I'm not sure any of that is a reason to avoid paying for glasses with a credit card.

I agree what a totally useless thread title.

How rude. We're supposed to be kind and helpful on this forum, as per the rules. It really doesn't matter what title people put on a thread. If you don't think you can help (you didn't help) then you should just ignore, rather than attack. I've been 'reprimanded' for less on this site!!

If you prefer it was a totally misleading title that didn't mention the bit that was relevant (S75) but added a bit (OAPs) that was not - the tiny issue relates only to sect 75 and if you have taken a free eye test and then only of the eye test was wrong - so unless there is an alternative payment platform that offers some form of guarantee (nothing has been mentioned) there is nothing to be gained by avoiding a CC payment (depending on the cards it might mean missing rewards or not taking advantage of zero interest so hopefully nobody was put off using a CC just by the title). - I wouldn't but choosing to pay for the test (possibly just in part) would probably avoid the issue but I would expect a reputable optician to put right themselves.
"Beware a free eye test if you want to have credit card S75 protection"  -  

Carrot007

mjm3346 said:

If you prefer it was a totally misleading title that didn't mention the bit that was relevant (S75) but added a bit (OAPs) that was not - the tiny issue relates only to sect 75 and if you have taken a free eye test and then only of the eye test was wrong - so unless there is an alternative payment platform that offers some form of guarantee (nothing has been mentioned) there is nothing to be gained by avoiding a CC payment (depending on the cards it might mean missing rewards or not taking advantage of zero interest so hopefully nobody was put off using a CC just by the title). - I wouldn't but choosing to pay for the test (possibly just in part) would probably avoid the issue but I would expect a reputable optician to put right themselves.
"Beware a free eye test if you want to have credit card S75 protection"  -  

Surely the free test is irrelivent here.

S75 does not protect you on glasses that are correctly prepared to prescription. And for what it's worth I once made specsavers test a pair I was unhappy with and they agreed and got them done again, no need for s75.

S75 would not cover an incorrect test even if you paid surely, becuase it is under £100 (unless you know of a insane place!).

Really I can not see any case for wrong glasses when the prescription is wrong, unless you can get some proof of incompetance. Opticians probably hate me as I take the time to get it right. As such I also know when I need a retest using current glasses.

So OP, seems a non point really. Unless someone has anything else.

mjm3346

MalMonroe said:

.

I'm a pensioner and I think Nationwide is trying it on. Just keep on at them.

The eye test is a totally different thing to buying a pair of specs. And this is evidenced by the fact that you are allowed to take your prescription to any other optician in the country once it's been issued. You are not bound to use the same optician. So that means that if you did use another optician - I have in the past - then the dispensing optician's goods and services DO fall under Section 75. I don't see any difference between that and using separate different opticians. If you have a problem with your glasses, you should definitely pursue this.

You need to point out to Nationwide (I have an account with them and am thinking of switching!) that they are two entirely different and separate issues and that Section 75 does, indeed, apply to your situation. Don't let them fob you off with such pompous nonsense. Good luck! But you won't need it.

If optician A does the test (free or not) then as long as optician B makes the glasses as per the prescription there should be no valid claim against Optician B (they potentially fall under S75 but the goods are not faulty if they match the prescription) . 

eskbanker

I'm not even sure that the fact that the eye test was free is actually relevant anyway, even though Nationwide do mention that - if someone paid less than £100 for an eye test (the going rate for those who pay seems to be in £25 territory) using a credit card, that still wouldn't qualify its purchase for s75 coverage, so doubt that anyone would be able to construct a viable consequential loss case for a follow-up purchase of a different item....

mjm3346

Carrot007 said:

Surely the free test is irrelivent here.

S75 does not protect you on glasses that are correctly prepared to prescription. And for what it's worth I once made specsavers test a pair I was unhappy with and they agreed and got them done again, no need for s75.

S75 would not cover an incorrect test even if you paid surely, becuase it is under £100 (unless you know of a insane place!).

Really I can not see any case for wrong glasses when the prescription is wrong, unless you can get some proof of incompetance. Opticians probably hate me as I take the time to get it right. As such I also know when I need a retest using current glasses.

So OP, seems a non point really. Unless someone has anything else.

The cost of the test has been included on the bill for glasses at least it has been for me in the past with a paid for test.

cannugec5

In Scotland all eye tests are free, so referring only to OAPs is nonsensical.

Carrot007

mjm3346 said:

Carrot007 said:

Surely the free test is irrelivent here.

S75 does not protect you on glasses that are correctly prepared to prescription. And for what it's worth I once made specsavers test a pair I was unhappy with and they agreed and got them done again, no need for s75.

S75 would not cover an incorrect test even if you paid surely, becuase it is under £100 (unless you know of a insane place!). (you do not get S75 protection on a can of soup just because you bought a TV at the same time, of if you prefer a closer linked exmaple that is not linked. You do not get S75 protection on your google chromecast when you buy a tv at the same time).

Really I can not see any case for wrong glasses when the prescription is wrong, unless you can get some proof of incompetance. Opticians probably hate me as I take the time to get it right. As such I also know when I need a retest using current glasses.

So OP, seems a non point really. Unless someone has anything else.

The cost of the test has been included on the bill for glasses at least it has been for me in the past with a paid for test.

However S75 only covers individual items over £100 not seperate items on the same bill unless the are intrinsically linked.

I would argue that in this case they are not (there is not reason to get glasses at the same time as a test unless the test has changed significatly, and even then becuase it has does not make a connection).

However feel free to test that in court. And even then you would still have to prove that the test was incompetent. S75 is not an easy option. They will listen to the company and it is only applicable it the company refuses to listen to you. This really is a non issue. (and should the optician be at fault I'm sure they would accomodate you (as they have me), why care either way?).

J_B

retiree said:

In other words, since OAPs get free eye tests, .............

Point of order / pedant mode ............. Eye tests are free for over 60's in England

https://www.ageuk.org.uk/information-advice/health-wellbeing/conditions-illnesses/eye-health/