Does section 75 cover a dodgy holiday booking?

eskbanker

RedImp_2 said:

Jumping on to this thread, I’m in the process of switching cards but I’m likely to make a couple of expensive payments on the card that I ideally would want to cancel in future.  Both cards with Santander.  Hopefully won’t be needed of course, but is there any loss of protection making a claim against a non current card?

No, the card company supplying the credit for the purchase retains any responsibilities under s75 even if the account is later closed.

DullGreyGuy

RedImp_2 said:

Jumping on to this thread, I’m in the process of switching cards but I’m likely to make a couple of expensive payments on the card that I ideally would want to cancel in future.  Both cards with Santander.  Hopefully won’t be needed of course, but is there any loss of protection making a claim against a non current card?

Always better to start your own thread otherwise it confuses which of the two different sets of questions people are responding to.

For the avoidance of doubt, it's just the cards you are hoping to cancel in the future? Given you have commented on a thread about making dodgy holiday bookings your comment could be read as it's the product/service you've paid for that you want to cancel instead/aswell. If that is the case then you would have to have booked something with cancellation rights... if its just a pure change of mind and you have no cancellation rights under the contract there would be no S75 claim irrespective of if the account is open or closed. Some seem to think S75 is a get out of jail free card whereas its not, it simply gives you another party you can chase.

born_again

RedImp_2 said:

Jumping on to this thread, I’m in the process of switching cards but I’m likely to make a couple of expensive payments on the card that I ideally would want to cancel in future.  Both cards with Santander.  Hopefully won’t be needed of course, but is there any loss of protection making a claim against a non current card?

You claim against who the card you used.
Just make sure if closing the cards. That you print off a statement showing the debit.
Some CC's have been known to say. You need to prove this was on our card & we will not search for a transaction.

RedImp_2

DullGreyGuy said:

RedImp_2 said:

Jumping on to this thread, I’m in the process of switching cards but I’m likely to make a couple of expensive payments on the card that I ideally would want to cancel in future.  Both cards with Santander.  Hopefully won’t be needed of course, but is there any loss of protection making a claim against a non current card?

Always better to start your own thread otherwise it confuses which of the two different sets of questions people are responding to.

For the avoidance of doubt, it's just the cards you are hoping to cancel in the future? Given you have commented on a thread about making dodgy holiday bookings your comment could be read as it's the product/service you've paid for that you want to cancel instead/aswell. If that is the case then you would have to have booked something with cancellation rights... if its just a pure change of mind and you have no cancellation rights under the contract there would be no S75 claim irrespective of if the account is open or closed. Some seem to think S75 is a get out of jail free card whereas it’s not, it simply gives you another party you can chase.

Ha no just the card, hopefully no dodgy holiday bookings here.