Section 57 - Partial holiday payment

Dripfedfred33

Hello.
Posts and ML advice boards mention section 57 coverage when using a credit card to pay for a holiday albeit in whole or just the deposit.
I missed the boat by paying the deposit £350 direct with the holiday company using my debit card.
I have a credit card that hasn't been used  for just £350. 
Im due to settle the holiday balance so if I pay part debit and include £350 onto the credit card will I still be eligible for section 57 cover??

Thanks

D

[Deleted User]

Yes - any part of the holiday can be paid by credit card.

Although it's section 75, not 57.  Section 57 is the one you get with your baked beans.

Ebe_Scrooge

Deleted_User said:

Section 57 is the one you get with your baked beans.

born_again

Just note that S75 is not a substitute for holiday insurance.

[Deleted User]

S75 is there for cover if something goes wrong, like a firm going bust, as above, your first/primary port of call must be travel insurance, taken out when you book the holiday as this will be more likely to pay out for emergencies vs a claim for S75 which might take months or years given you are asking the credit card firm to foot the bill.

Do also check whether you would be covered at all e.g. buying through a travel agency and the airline goes under, there is no S75 as there is no direct link of debtor, credit issuer and creditor. The MSE site covers this here:

https://www.moneysavingexpert.com/reclaim/section75-protect-your-purchases/ - scroll down to the bit about what it does / doesn't cover

Sandtree

Deleted_User said:

there is no S75 as there is no direct link of debtor, credit issuer and creditor. 

Debtor (OP) - Creditor (their card issuer/lender) - Supplier (provider of the product/service)

Credit issuer and creditor are the same thing

Apologies for being pedantic 

Dripfedfred33

Deleted_User said:

Yes - any part of the holiday can be paid by credit card.

Although it's section 75, not 57.  Section 57 is the one you get with your baked beans.

😁😁😁 I'll be careful what I order. Thanks👍

Dripfedfred33

Deleted_User said:

S75 is there for cover if something goes wrong, like a firm going bust, as above, your first/primary port of call must be travel insurance, taken out when you book the holiday as this will be more likely to pay out for emergencies vs a claim for S75 which might take months or years given you are asking the credit card firm to foot the bill.

Do also check whether you would be covered at all e.g. buying through a travel agency and the airline goes under, there is no S75 as there is no direct link of debtor, credit issuer and creditor. The MSE site covers this here:

https://www.moneysavingexpert.com/reclaim/section75-protect-your-purchases/ - scroll down to the bit about what it does / doesn't cover

Booked direct with Virginia holidays so all good there.
Thanks

Dripfedfred33

born_again said:

Just note that S75 is not a substitute for holiday insurance.

Never without... Thanks

Ganga

Dripfedfred33 said:

Deleted_User said:

S75 is there for cover if something goes wrong, like a firm going bust, as above, your first/primary port of call must be travel insurance, taken out when you book the holiday as this will be more likely to pay out for emergencies vs a claim for S75 which might take months or years given you are asking the credit card firm to foot the bill.

Do also check whether you would be covered at all e.g. buying through a travel agency and the airline goes under, there is no S75 as there is no direct link of debtor, credit issuer and creditor. The MSE site covers this here:

https://www.moneysavingexpert.com/reclaim/section75-protect-your-purchases/ - scroll down to the bit about what it does / doesn't cover

Booked direct with Virginia holidays so all good there.
Thanks

Are these part of Virgin Holidays?

phillw

Dripfedfred33 said:

Im due to settle the holiday balance so if I pay part debit and include £350 onto the credit card will I still be eligible for section 57 cover??

It depends on who is going on this holiday that you are paying for.

Does the name of the person who purchased the holiday (i.e. the cardholder) need to correspond to the person named in the holiday contract?

For a Section 75 claim to be valid, generally yes.  But where the cardholder books the holiday for him/herself and his/her family then the cardholder will be able to claim under Section 75 in respect of a breach of contract or misrepresentation.

This can get more complicated where a number of independent individuals (e.g. friends or two couples) go on holiday.  If there are two separate holiday contracts, the credit card holder who paid may not be able to claim losses from its credit card company for the friends.  This may come down to the detail of the arrangement between the friends and the approach of your credit card company.