Credit Card which allows Joint Access

lr1277

DullGreyGuy said:

lr1277 said:
Basically anything bought on a supplementary card has to be for the principal card holder's benefit.

This one really gets boring...

https://www.legislation.gov.uk/ukpga/1974/39/section/75

The above is the full wording of S75 @IR1277, its only 5 clauses so not a big or long read... please point out which clause says anything about who benefits from the purchase?

For S75 to apply the debtor must be in contract with the supplier, it doesn't matter who the beneficiary of the contract is. The FOS is full of cases where a parent has paid for a wedding venue for a child and then made a S75 claim... for those cases where the parent was named as the contracting party the complaint was upheld, where the child is named the complaint was declined but in all cases the child was the beneficiary.

Most contracts aren't written but that doesn't mean they don't have terms, the assumed term is that the payer is the contracting party unless there is good reason or evidence to the contrary and that's where secondary cardholders get into problems because they are not the debtor and so fail to meet the debtor supplier agreement requirement even if its a b/day present for the debtor and so to their benefit.

Yes you are right I had not read that legislation. However I get my information from this and other websites.
please see the 1st post by JDB on the 2nd page of this thread. This is my 1st time posting a link when posting from my tablet so hopefully it will work.

https://www.headforpoints.com/forums/topic/when-they-dont-take-amex/page/2/