Section 75 protection

musol

Hi,

I’m having some works done for £30K.

In order to get protection, I’m paying a £1K deposit by credit card. The rest of the payments will be staged and made by BACS.

My parents have offered to pay for the work.

Does this present any problems in the unlikely event I needed to make a section 75 claim? All quotes and invoices in my name, but my parents paying £29K by bank transfer with me having paid the £1K deposit by card.

I presume the credit card company will want proof of payment etc  if I needed to claim. Would it matter that the bank transfers were not made by me?

Thanks

Keep_pedalling

Just get your parents to give you the £29k and then you make the payments. 

p00hsticks

musol said:

I’m having some works done for £30K.

MSE doesn't always get it exactly right, but in your shoes I'd be double checking whether the upper limit for S75 protection is for purchases of £30k or, as MSE implies, £29,999.99
From
 https://www.moneysavingexpert.com/reclaim/section75-protect-your-purchases/
 'buy something costing more than £100 and less than £30,000 on your credit card, and your card company has a LEGAL responsibility to come to the rescue if there's a problem'.

born_again

When you say £30K what exactly is the price? Just so you will get a clear answer. I would also get parents to pay you & then you pay builder. Takes any ambiguity out of the process. make sure you get full T/C etc from them.

Although S75 is not a get out a jail free card insurance. It only covers breach of contract or misrepresentation.

Ring card provider to confirm.

But 100% with above, it's upto £30K

DullGreyGuy

born_again said:

But 100% with above, it's upto £30K

The actual wording of the legislation is:

(b) so far as the claim relates to any single item to which the supplier has attached a cash price not exceeding £100 or more than £30,000 

So it's up to and including £30k, so no need to negotiate a 1p discount. 

steven141

I think for the payments made by BACS aren’t covered by this. Only the payments made on your credit card £100-29,999.

DullGreyGuy

steven141 said:

I think for the payments made by BACS aren’t covered by this. Only the payments made on your credit card £100-29,999.

The legislation doesn't mention how much is paid by regulated credit (eg a credit card) just that the price of the item must be at least £100 and not more than £30,000

Nasqueron

steven141 said:

I think for the payments made by BACS aren’t covered by this. Only the payments made on your credit card £100-29,999.

Wrong, even 1p on your credit card means you are covered for the value of the order, provided it meets all other criteria

CliveOfIndia

steven141 said:

I think for the payments made by BACS aren’t covered by this. Only the payments made on your credit card £100-29,999.

No, if you make any partial payment by credit card then S75 covers you for the whole amount, not just the amount paid by card (subject to the qualifying limits).

Are you perhaps getting confused with chargeback?  For chargeback, it is only the amount spent on the card that can potentially be refunded.

born_again

DullGreyGuy said:

born_again said:

But 100% with above, it's upto £30K

The actual wording of the legislation is:

(b) so far as the claim relates to any single item to which the supplier has attached a cash price not exceeding £100 or more than £30,000 

So it's up to and including £30k, so no need to negotiate a 1p discount. 

Until OP confirms exactly what the amount is it's a bit pointless.

All I can say is (b) makes no sense...
Cash price "NOT EXCEEDING" £100???

As anything under £100 is not covered. So a item has to exceed £100

DullGreyGuy

born_again said:

DullGreyGuy said:

born_again said:

But 100% with above, it's upto £30K

The actual wording of the legislation is:

(b) so far as the claim relates to any single item to which the supplier has attached a cash price not exceeding £100 or more than £30,000 

So it's up to and including £30k, so no need to negotiate a 1p discount. 

Until OP confirms exactly what the amount is it's a bit pointless.

All I can say is (b) makes no sense...
Cash price "NOT EXCEEDING" £100???

As anything under £100 is not covered. So a item has to exceed £100

No, the legislation is defined in negatives, ie all transactions are covered unless the below apply... (a) is that its not a commercial sale