We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Section 75....Have I understood this correctly?

Options
If a family member buys a holiday or other item for over £100, but below £30,000.01p, but I pay for it with my credit card and the family member in turn pays me, the purchase does not get Section 75 protection.

Is this correct?

Comments

  • lisyloo
    lisyloo Posts: 30,077 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Yes that’s correct.
  • Thank you.
  • phillw
    phillw Posts: 5,664 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Especially if you aren't going on the holiday yourself

  • DullGreyGuy
    DullGreyGuy Posts: 18,475 Forumite
    10,000 Posts Second Anniversary Name Dropper
    edited 10 November 2022 at 4:01PM

    said:
    If a family member buys a holiday or other item for over £100, but below £30,000.01p, but I pay for it with my credit card and the family member in turn pays me, the purchase does not get Section 75 protection.

    Is this correct?

    For S75 there is a requirement for there to be direct relationships between the debtor (you), the creditor (your card issuer) and the supplier. In this case you say your family member is the purchaser and so there is no relationship between you and the supplier and so any S75 claim would fail. 

    Gifts are not excluded from S75 and so if you were the buyer then S75 may work however travel often involves agents which also cause problems for S75 as they sit between the buyer and the supplier
  • phillw
    phillw Posts: 5,664 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 16 October 2022 at 2:56PM
    DullGreyGuy said:
    Gifts are not excluded from S75 and so if you were the buyer then S75 may work 
    The issue is you can't gift a holiday, it has to be bought in the name of the person whom the holiday is for.
    You can gift the money to pay for the holiday, but then that breaks S75 (unless they use the money to pay on their credit card..)

    If you buy a holiday for you and your friends to go on & you pay for all of it on your credit card, then the likelihood is that only people who are in your immediate family would be covered by S75.

Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 350.8K Banking & Borrowing
  • 253K Reduce Debt & Boost Income
  • 453.5K Spending & Discounts
  • 243.8K Work, Benefits & Business
  • 598.6K Mortgages, Homes & Bills
  • 176.8K Life & Family
  • 257K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.