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

diystarter7

TELLIT01 said:

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.

@Manxman_in_exile

FYI, it is not just me saying it

Thanks 

DullGreyGuy

born_again said:

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 🤷‍♀️

If they have supplied the boiler then yes it would

powerful_Rogue

diystarter7 said:

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

So a contract is only valid if money is exchanged?

Aylesbury_Duck

born_again said:

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 🤷‍♀️

you could burn the card statements for a little warmth, I guess?

born_again

DullGreyGuy said:

born_again said:

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 🤷‍♀️

If they have supplied the boiler then yes it would

In several months. Maybe. Depending on the issue. Warranty would be quicker.

I never get this obsession with S75 that people have. Many seem to think it is a insurance policy to solve all problems 🤷‍♀️

Aylesbury_Duck

DullGreyGuy said:

born_again said:

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 🤷‍♀️

If they have supplied the boiler then yes it would

Eventually.  The card company isn't going to send a gas technician round the next day.

user1977

powerful_Rogue said:

diystarter7 said:

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

So a contract is only valid if money is exchanged?

There might be a contract, but I suspect it's one which doesn't impose any obligations on either party until the deposit gets paid.

Ectophile

born_again said:

DullGreyGuy said:

born_again said:

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 🤷‍♀️

If they have supplied the boiler then yes it would

In several months. Maybe. Depending on the issue. Warranty would be quicker.

I never get this obsession with S75 that people have. Many seem to think it is a insurance policy to solve all problems 🤷‍♀️

It isn't. But you can take legal action against a supplier of faulty goods for up to 6 years (5 in Scotland). And the credit card company are jointly liable with the supplier.

So imagine there's a problem. The boiler is installed wrong, the warranty is void and the company that installed it has disappeared. You still have a claim against the credit card company.

DullGreyGuy

born_again said:

DullGreyGuy said:

born_again said:

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 🤷‍♀️

If they have supplied the boiler then yes it would

In several months. Maybe. Depending on the issue. Warranty would be quicker.

I never get this obsession with S75 that people have. Many seem to think it is a insurance policy to solve all problems 🤷‍♀️

Didnt say it was the quickest or best route (to cover off @Aylesbury_Duck's comment too) but its a route that wouldnt exist if you paid cash after the jobs finished as Flight3287462 had suggested.

Warranty will depend on the T&Cs

Change 3 months to 6 months and then you'd be outside the chargeback window if the supplier had gone bust and they were the provider of the non-insurance backed warranty

S75 is absolutely not the golden panacea that some seem to make out, its much weaker for things like travel than many seem to believe. For the purchase of goods/services from what are typically small companies however it is a useful protection to have where possible.

S75 however is broader and more useful than some others make out. There is constant miss-communication on S75 on this site about having to have reached a deadlock with a merchant first or people saying S75 simply wouldnt cover an item that went faulty after 3 months.

On the basis I use a charge card rather than credit card for most purchases clearly I'm not one of those that are desparate for S75 cover whatever I do... but there are things that I'll switch cards for because I think the extra protection will be useful... esp in these days of companies failing.

Manxman_in_exile

diystarter7 said:

TELLIT01 said:

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.

@Manxman_in_exile

FYI, it is not just me saying it

Thanks 

I think that what @TELLIT01 (and others) is saying is that the approprite time to find out whether or not a trader will accept payment by credit card is well before you reach the stage of paying a deposit - by which time it is quite possible that a contract already exists.  I'm not sure why you are so certain that one can't exist...

I think @powerful_Rogue understands my point even if you don't:

powerful_Rogue said:

diystarter7 said:

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

So a contract is only valid if money is exchanged?