Being charged for using credit card / not being allowed to?

[Deleted User]

lisyloo said:

eskbanker said:

lisyloo said:

It’s simple to get round the s75/fee issue.
you ask to pay a small amount e.g. £1 on credit card, and pay the charge on that e.g. 2% is 2p if they bother charging.
I’ve done this many times as charges have been around a long time for large purchases e.g. cars.

Or simply choose merchants who abide by the law when making your large purchases?  If they consider it acceptable to break the law when taking payments, imagine what shortcuts and dodgy practices their mechanics will be encouraged to perform....

Sorry I don’t know what you mean.
In the past it’s been lawful to charge fees.
i always choose merchants who abide by the law although in other countries (holidays purchases) that may not be uk law.
i totally agree I would not support a car dealer (and definitely not a dive operator) who broke the law. With diving my life is in their hands.

A very recent holiday I paid the deposit by card (for S75) but the rest is direct.
that solves the issue as the S75 is for the whole holiday.

He means if you dealt with a firm who (illegally) charged a payment processing fee for a credit card, they might not be the best people to trust with a used car sale

lr1277

Be careful about paying for your mother's car with your card, or at least investigate further.

I am sure I have read on these boards where people have bought something for somebody else, but could not get their money back from the card company. If you use a card to buy something for yourself, then at least this aspect of any refund won't be a problem.

The issue that springs to mind is people buying flights and/or holidays from a family member or friend. That person had then paid back the person who put the charge on their card. However when it came to claiming money back, because the person who used the good or service had not paid for said item with their own card, the card company refused to compensate. Also the card company refused to compensate the person who had put the charge on their card as the good or service was not for themselves.

[Deleted User]

JustAnotherSaver said:

Deleted_User said:

 do keep in mind that under S75 rules, you can only make a claim in some situations - your card being used for a car purchase when it's for your mother would break the debtor/issuer/creditor relationship.

So in short then, absolutely no point in her using my credit card whatsoever then?

Unless you can argue that the payment is a direct benefit to you, e.g. for your use, or maybe say you were disabled and buying the car for your mother to drive you, then the lender would reject an S75 claim off your card for a car bought for her use.

She could apply for a card herself, even a credit builder one with a £200 limit would suffice for S75 cover as you only need put 1p on it. The caveat again is the fact it's a pre-existing fault, so the car engine blowing up after 2 miles might be covered in some situations but demanding money back when the fault is with something you already know to be faulty they might refuse

JustAnotherSaver

Deleted_User said:

it's a pre-existing fault,

For some reason we seem to be sticking on a lock being the reason for wanting money back.

Not sure why. Just get a new lock.

I was meaning more about engine falling out, clutch goes kaput the moment she gets round the corner kind of thing.

She's bought from this place before with no problems but you never know. It only takes once.

[Deleted User]

JustAnotherSaver said:

Deleted_User said:

it's a pre-existing fault,

For some reason we seem to be sticking on a lock being the reason for wanting money back.

Not sure why. Just get a new lock.

I was meaning more about engine falling out, clutch goes kaput the moment she gets round the corner kind of thing.

She's bought from this place before with no problems but you never know. It only takes once.

That's what I said though - if there was another fault, S75 may well be applicable (albeit if mother buys on her own card), not a pre-existing fault is likely to not be a reason for an S75 claim