Company will not accept card payment (cash/BACS/cheque only). How to use Section 75

Kels22

Hi, I'm  new to this forum so hope that i am posting correctly and apologies if I have not seen previous threads on this topic. We are having a new heating system installed and the company have invoiced for the deposit and require payment by cash, BACS or cheque. They do not have a card machine and will not accept card payments. Is there any way round this to use my credit card in a different way to be covered by Section 75? 


Many thanks for any advice. 

DullGreyGuy

Its a common question... no, you must directly pay the supplier with a credit card to benefit from S75. Any other mechanism like withdrawing cash or money transfer etc doesnt provide the protection.

Flight3287462

Pay a deposit and the balance when the job is complete.

TELLIT01

That scenario is quite common with small, and even not so small, companies and sole traders.  If you want the safety net of using a card you will have to find a supplier who will accept them.

user1977

Flight3287462 said:

Pay a deposit and the balance when the job is complete.

The OP says they're just paying a deposit.

DullGreyGuy

Flight3287462 said:

Pay a deposit and the balance when the job is complete.

Doesn't help when you put the heating system on 3 months later and find the boiler's died

diystarter7

Hi OP

The answer is no as they don't have the capacity to take cc.
Therefore, go to another outfit if you want to afford the protection cc gives within their criteria.

Thanks

pinkshoes

Kels22 said:

Hi, I'm  new to this forum so hope that i am posting correctly and apologies if I have not seen previous threads on this topic. We are having a new heating system installed and the company have invoiced for the deposit and require payment by cash, BACS or cheque. They do not have a card machine and will not accept card payments. Is there any way round this to use my credit card in a different way to be covered by Section 75? 


Many thanks for any advice. 

You will have to pay by cash, but make sure you don't pay the full balance until you are happy it is working.

Before paying anything, do some research into this company. How long have they been trading? Reviews from happy customers? Financially stable? Business address given?

Manxman_in_exile

diystarter7 said:

Hi OP

The answer is no as they don't have the capacity to take cc.
Therefore, go to another outfit if you want to afford the protection cc gives within their criteria.

Thanks

Are you certain that the OP has not already entered into a contract with the suppier?  Saying "We are having a new heating system installed and the company have invoiced for the deposit..." suggests to me that a contract may already exist...

The time to ask if they accept credit cards may have already passed.

diystarter7

Manxman_in_exile said:

diystarter7 said:

Hi OP

The answer is no as they don't have the capacity to take cc.
Therefore, go to another outfit if you want to afford the protection cc gives within their criteria.

Thanks

Are you certain that the OP has not already entered into a contract with the suppier?  Saying "We are having a new heating system installed and the company have invoiced for the deposit..." suggests to me that a contract may already exist...

The time to ask if they accept credit cards may have already passed.

Hi

What, without paying a deposit etc? I very, very much doubt that hence the OP's question. It was clear to me I'm not sure why you have asked.

Thanks

born_again

DullGreyGuy said:

Flight3287462 said:

Pay a deposit and the balance when the job is complete.

Doesn't help when you put the heating system on 3 months later and find the boiler's died

TBF, neither will S75 🤷‍♀️