Legal ramifications of spreading large cost over different credit cards

Boots-12

I’m about to make a large purchase. I have some credit cards offering 0% on purchases but none of them has a sufficiently high credit limit to cover the whole cost of the proposed purchase. None of the limits can be increased further.

What is the legal position if I have a problem with the goods but I have spread the cost over more than one card e.g. paid the deposit on one 0% card, made an interim payment on another 0% card and, say, the balance on another 0% card? 

I’m concerned that the banks would each deny liability as they could each claim it’s covered by one of the other bank’s credit card’s liability, leaving me completely stuck between feuding banks!

Does anyone know the answer, please?

eskbanker

Cross that bridge if/when you get to it but my understanding is that you'd theoretically have the right to pursue any of them, so would effectively have multiple bites of the cherry if unsuccessful initially, although it would be fraudulent to recover more than you're entitled to....

Is the retailer able and willing to accept split payments across multiple cards?

DullGreyGuy

Boots-12 said:

I’m about to make a large purchase. I have some credit cards offering 0% on purchases but none of them has a sufficiently high credit limit to cover the whole cost of the proposed purchase. None of the limits can be increased further.

What is the legal position if I have a problem with the goods but I have spread the cost over more than one card e.g. paid the deposit on one 0% card, made an interim payment on another 0% card and, say, the balance on another 0% card? 

I’m concerned that the banks would each deny liability as they could each claim it’s covered by one of the other bank’s credit card’s liability, leaving me completely stuck between feuding banks!

Does anyone know the answer, please?

So you are booking a holiday? Trying to work out the fact its instalments and make sure its not because you are using another form of credit. 

Chargeback - you'd have to do a chargeback with each card, this can mean a difference in outcome with each if its borderline case but then arguably getting some back is better than 1 card where it'd be all or nothing.

S75 - makes the card issuer jointly and severally liable with the merchant and as such they cannot hand off to each other, they are all on the hook for 100%. However if this is travel then S75 is typically not that useful because of the heavy use of agents.

born_again

DullGreyGuy said:

Boots-12 said:

I’m about to make a large purchase. I have some credit cards offering 0% on purchases but none of them has a sufficiently high credit limit to cover the whole cost of the proposed purchase. None of the limits can be increased further.

What is the legal position if I have a problem with the goods but I have spread the cost over more than one card e.g. paid the deposit on one 0% card, made an interim payment on another 0% card and, say, the balance on another 0% card? 

I’m concerned that the banks would each deny liability as they could each claim it’s covered by one of the other bank’s credit card’s liability, leaving me completely stuck between feuding banks!

Does anyone know the answer, please?

So you are booking a holiday? Trying to work out the fact its instalments and make sure its not because you are using another form of credit. 

Chargeback - you'd have to do a chargeback with each card, this can mean a difference in outcome with each if its borderline case but then arguably getting some back is better than 1 card where it'd be all or nothing.

S75 - makes the card issuer jointly and severally liable with the merchant and as such they cannot hand off to each other, they are all on the hook for 100%. However if this is travel then S75 is typically not that useful because of the heavy use of agents.

Subject to the usual S75 rules. So should holiday be more than £30K then it would be outside S75, no matter how many cards used.

Boots-12

Thank you, everyone, for your input. Much appreciated.