Bought a pram for my daughter's newborn baby, it's faulty, Section 75 rejected by MBNA (LBG)

EssexNan1966

At the end of June, as a gift for my daughter's baby and my first grandchild, I bought a pram bundle from retailer Mille and Ralph, I used my MBNA credit card for just under £1,000. The baby was born on 15 September 2025, within two weeks the wheels started to fall off - the pram was clearly dangerous and it went back for a repair. When it came back it had developed an additional fault with the handle and the wheels were still falling off, albeit not as regularly. I've had a Section 75 refund rejected by MBNA because the confirmation purchase email is in my daughter's name rather than mine, although the card name and cardholder address is mine. They say because the purchase invoice isn't in my name - they won't help further. This seems very unfair, clearly this is a gift for my daughter, I am 59, so it is hardly going to be for me! The pram remains dangerous and the retailer has been awkward and unhelpful.

Grumpy_chap

EssexNan1966 said:

At the end of June, as a gift for my daughter's baby and my first grandchild, I bought a pram bundle from retailer Mille and Ralph, I used my MBNA credit card for just under £1,000. The baby was born on 15 September 2025, within two weeks the wheels started to fall off - the pram was clearly dangerous and it went back for a repair. When it came back it had developed an additional fault with the handle and the wheels were still falling off, albeit not as regularly. I've had a Section 75 refund rejected by MBNA because the confirmation purchase email is in my daughter's name rather than mine, although the card name and cardholder address is mine. They say because the purchase invoice isn't in my name - they won't help further. This seems very unfair, clearly this is a gift for my daughter, I am 59, so it is hardly going to be for me! The pram remains dangerous and the retailer has been awkward and unhelpful.

I expect the CC are stating that there is no debtor-supplier-creditor relationship. 

Have you pursued your consumer rights against the retailer?

MyRealNameToo

EssexNan1966 said:

At the end of June, as a gift for my daughter's baby and my first grandchild, I bought a pram bundle from retailer Mille and Ralph, I used my MBNA credit card for just under £1,000. The baby was born on 15 September 2025, within two weeks the wheels started to fall off - the pram was clearly dangerous and it went back for a repair. When it came back it had developed an additional fault with the handle and the wheels were still falling off, albeit not as regularly. I've had a Section 75 refund rejected by MBNA because the confirmation purchase email is in my daughter's name rather than mine, although the card name and cardholder address is mine. They say because the purchase invoice isn't in my name - they won't help further. This seems very unfair, clearly this is a gift for my daughter, I am 59, so it is hardly going to be for me! The pram remains dangerous and the retailer has been awkward and unhelpful.

S75 of the consumer credit act is very prescriptive and requires a direct and unbroken relationships between the debtor (you), the creditor (MBNA) and the supplier (Mille and Ralph). 

By putting the invoice, the closest thing to a contract you'll get, in your daughters name you have broken the relationship between you and the vendor which is why MBNA have rejected the claim. Looking at their website, if you use their checkout process rather than ApplePay or similar it gives you the option of naming one person as the recipient and one person for the invoice with different addresses. Who's name did you put in both fields?


What's the retailer said? Its not clear why you pursued the bank rather than the vendor?

eskbanker

EssexNan1966 said:

The pram remains dangerous and the retailer has been awkward and unhelpful.

Grumpy_chap said:

Have you pursued your consumer rights against the retailer?

MyRealNameToo said:

What's the retailer said? Its not clear why you pursued the bank rather than the vendor?

Since the retailer has had their one chance to repair the pram, but it was unsuccessful, you (OP) have the legal right to reject it, under the Consumer Rights Act:

https://www.legislation.gov.uk/ukpga/2015/15/part/1/chapter/2/crossheading/what-remedies-are-there-if-statutory-rights-under-a-goods-contract-are-not-met