AirBnB - Split payments between PayPal (Debit Card) and HSBC (Credit Card) / Section 75 Liability?
I have a question relating to splitting a payment of £2000 between PayPal (via HSBC Debit Card) and a direct payment on a HSBC Credit card (relating to section 75.)
I have just paid the first half of a stay on Airbnb using the partial-payment system.
AirBnB has debited my debit card via PayPal. Due to an error on their app which sees the partial payment system always revert to the default payment method, even though I had put in my Credit Card at checkout.
I had intended for both partial-payments to go via a direct Credit Card payment so I had Section 75 protection.
I’m sure I have heard in the past that if you pay by PayPal using a credit card there can be some liability issues.
In my case however, the first payment has been made via PayPal on a Visa Debit Card and the second will be made via a direct payment on Visa Credit Card (Not through PayPal).
Would this fall under the “As long as you pay at least £100 on the Credit card you are ok” provision?
Under section 75. Who would be liable in the event that Airbnb goes bust? Would I be able to reclaim all costs from my credit card company (HSBC)?
I want to say that’s a hypothetical scenario, but I had a friend who got caught up with Thomas Cook so just want to cover my own back.
Any advice is greatly appreciated, thanks in advance.
Thanks in advance
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I have a suspicion that Airbnb acts like an agent, i.e. if anything is wrong with the accomodation s75 doesn't apply whatever way you pay. However, as you pay Airbnb, if they go bust, I think you can use chargeback to claim what you paid them . Not sure about the PP part.
.withdrawal, NOT withdrawel ..bear with me, NOT bare with me
.definitely, NOT definately ......separate, NOT seperate
should have, NOT should of .....guaranteed, NOT guarenteed
I would take AirBnB to be the same as say Booking.com, where you are paying them & not the actual place you are staying. Thus no debtor/creditor link.
But if they go bust you still have chargeback options.
I think I am just going to pay the other half on the Credit Card and be done worrying, as far as I can tell, between AirBnB, HSBC, PayPal and Travel Insurance one of them would have to pay out. (Although I'm sure they would all try to wiggle out of it in some way)
There are possible other options.
But what is your worry?
Thanks for your response.