Section 75 - no use for secondary card holders?

DullGreyGuy

Mishomeister said:

Supplier failure is one, but also things like cancellations due to natural disasters eg, vulcano eruptions or also things like COVID.

Section 75 came very useful when our flights with Ryanair got cancelled due to Covid pandemics and Ryanair were trying to force us in to taking a voucher.

Most of those are covered by a decent travel insurance policy. Pandemic historically wouldn't have been and governments closing the border as a result of pandemic likewise but insurers move with the time and many have adjusted since

*cogs*

Jumping on this thread, rather than starting another...

My wife paid for some click vinyl flooring for our home, but we've had issues and the retailer wont help even though it's under a "lifetime guarantee". My wife used her CC, but I did the flooring order and the invoice is in my name. The CC provider has stated we do no qualify for S75 cover as the order is not in her name, even though we live together and obviously the flooring is used by us both! We have tried challenging the decision from CC issuer but no joy... 

DullGreyGuy

*cogs* said:

Jumping on this thread, rather than starting another...

My wife paid for some click vinyl flooring for our home, but we've had issues and the retailer wont help even though it's under a "lifetime guarantee". My wife used her CC, but I did the flooring order and the invoice is in my name. The CC provider has stated we do no qualify for S75 cover as the order is not in her name, even though we live together and obviously the flooring is used by us both! We have tried challenging the decision from CC issuer but no joy... 

By the strict letter of S75 they are correct, you broke the Debtor, Creditor, Supplier chain as the debtor has no contract with the supplier. 

Ultimately you can complain and escalate the mater to the Ombudsman who does on occasion consider what is "fair" rather than strictly what the law states but your chances arent great. You would need to focus on the fact it was a joint purchase and explain why it wasnt in joint names on the invoice. 

*cogs*

thank you for the guidance - will give try the Ombudsman a try

Nasqueron

*cogs* said:

thank you for the guidance - will give try the Ombudsman a try

You have to complain to the firm first then give them the 8 week period before you can go to the FOS - if the complaint hasn't been looked at by the card issuer, the FOS will give them a chance to look at it