Driveway was under warranty - but needs repairing and firm has now gone bust...

Section62

Ebe_Scrooge said:

GDB2222 said:

You only need to have paid a small amount on credit, £100 if I recall correctly, and the lender/card company is liable for the entire drive. 

You don't need to have paid £100 to be covered by Section 75 - if you paid any amount by card/credit, even 1p, then you're covered.  But the total amount of the goods/services needs to be between £100 and £30,000 for the cover to apply - that's where you're probably recalling the figure of £100 from

Are you still covered for defects that emerge 3 to 4 years later though?

ashe

Section62 said:

Ebe_Scrooge said:

GDB2222 said:

You only need to have paid a small amount on credit, £100 if I recall correctly, and the lender/card company is liable for the entire drive. 

You don't need to have paid £100 to be covered by Section 75 - if you paid any amount by card/credit, even 1p, then you're covered.  But the total amount of the goods/services needs to be between £100 and £30,000 for the cover to apply - that's where you're probably recalling the figure of £100 from

Are you still covered for defects that emerge 3 to 4 years later though?

If the original firm would have been on the hook for it, e.g warranty length, then yes, the finance company is joint and severally liable. For this reason where possible I put everything on credit card then pay it off. I used to work for a big credit card company and saw it be a lifesaver for some people.