Credit card for online payment via PayPal - am I covered with Section 75?

Geranium44

I'm working with a web designer who has worked with me previously and I'm comfortable with his work.
He and I have agreed that I will make a downpayment of £300 via credit card to allow him to commence work and the final payment payable once he's completed to my satisfaction.
I'm unsure if Paypal transactions such as this would be covered by Section 75 - any thoughts?
Many thanks.

blue.peter

Please see this article.

Nasqueron

It's also worth noting that this sounds like it could be a business transaction not a personal one? If you are paying for a website say for your pet cat, that is fine albeit with the caveat above about PayPal. However, if you are paying for a website for a business operation (particularly given the cost mentioned) then it wouldn't be covered regardless of how you pay - the Consumer Credit Act rather gives it away!

eskbanker

Nasqueron said:

It's also worth noting that this sounds like it could be a business transaction not a personal one? If you are paying for a website say for your pet cat, that is fine albeit with the caveat above about PayPal. However, if you are paying for a website for a business operation (particularly given the cost mentioned) then it wouldn't be covered regardless of how you pay - the Consumer Credit Act rather gives it away!

It depends on the type of business - as I recall from when this has come up before, there's a broad definition of 'individual' that includes various small businesses, perhaps if not set up as limited companies.

Nasqueron

eskbanker said:

Nasqueron said:

It's also worth noting that this sounds like it could be a business transaction not a personal one? If you are paying for a website say for your pet cat, that is fine albeit with the caveat above about PayPal. However, if you are paying for a website for a business operation (particularly given the cost mentioned) then it wouldn't be covered regardless of how you pay - the Consumer Credit Act rather gives it away!

It depends on the type of business - as I recall from when this has come up before, there's a broad definition of 'individual' that includes various small businesses, perhaps if not set up as limited companies.

I had a google of this before posting, Tesco (there is an MSE thread on it) specifically blocked an S75 claim on the basis it was business transaction. There is a quote from that thread from the Ombudsman that states [it covers]:

sole traders, small partnerships and unincorporated businesses, as well as ordinary consumers

So possibly it might go through, might not

born_again

Geranium44 said:

I'm working with a web designer who has worked with me previously and I'm comfortable with his work.
He and I have agreed that I will make a downpayment of £300 via credit card to allow him to commence work and the final payment payable once he's completed to my satisfaction.
I'm unsure if Paypal transactions such as this would be covered by Section 75 - any thoughts?
Many thanks.

Is this person issuing a invoice for the work via PayPal or are you sending it friends & family or cash payment?