Best credit card for low income (benefits) for Sec75 consumer rights

DarthDaisy

https://forums.moneysavingexpert.com/discussion/comment/81889637#Comment_81889637

Well of course and the same is true on Trustpilot, very few people leave positive reviews unless prompted.

Still the legislation is there and I want to have benefit from it.

I think it is particularly useful if buying from foreign companies that pretend to be in the UK.

DarthDaisy

That

https://forums.moneysavingexpert.com/discussion/comment/81889225#Comment_81889225

That is not the advice given on the BBC or LBC Consumer shows, the total price of the transaction is what is used, forgive me for taking their word over yours.

MyRealNameToo

https://forums.moneysavingexpert.com/discussion/comment/81892496#Comment_81892496

Just remember each item you are claiming for has to be over £100, can't be a basket of 6x £20 items. Most of these far east retailers are typically selling items that are much cheaper because they lure people with the claimed 75% discount etc.

DarthDaisy

https://forums.moneysavingexpert.com/discussion/comment/81891830#Comment_81891830

I did not say HSBC or Nationwide.

DarthDaisy

https://forums.moneysavingexpert.com/discussion/comment/81892508#Comment_81892508

I have made claims in the past, some years ago when I had credit cards, one of them was with a UK Supplier and I purchased all the parts for a homebuild computer, my brother told me all the bits I needed to order and we assembled it together. One of the parts was faulty and it was around £24 if memory serves, the supplier were tedious to deal with, trying to get me to return the faulty part at my cost.

It was in the first 30 days and so I was able to reject the goods under the Consumer Rights Act (2015), that meant that to not comply with the legislation was a breach of contract and thus after they refused to provide a pre-paid label to return the item I did a Section 75 claim and made sure it was processed as a Section 75 claim as I was aware that they try to use chargeback which can then lead to the claim dragging out.

Suffice to say I got my money back for that component, the supplier did send me pre-paid label about 3 months later and arranged for a Courier to collect it.

Sadly we live in a world where every week high street stores fail to honour consumer rights and tell customers that there is nothing they can do, then the consumer show calls them and they are all sweetness and light.

It is interesting to see how Currys, John Lewis and AO.COM all have their own interpretation of the Consumer Rights Act (2015) but finally cave. For example, it seems that AO.COM always require the consumer to get an expert report and do pay for it when it shows fault was not caused by anything the consumer could have done nor was it fair wear and tear.

MyRealNameToo

https://forums.moneysavingexpert.com/discussion/comment/81892528#Comment_81892528

Chargebacks are much more time limited so almost everyone will do a chargeback first as if that fails you can still do a S75 after whereas if you do a S75 first you will almost certainly be out of time for a chargeback by the time its resolved.

The law states that after 6 months it's up to the customer to prove their case and therefore AO are perfectly fine in doing that. There are various reasons why a firm may decide to do the inspection themselves rather than have the customer arrange it so the other two are also fine with not insisting the customer gets the report as it avoids the risk for the customer that they are stuck with a bill for a report if its inconclusive or does point to customer actions

DarthDaisy

https://forums.moneysavingexpert.com/discussion/comment/81892554#Comment_81892554

Well I think it is subjective, if a firm looks at the cost of an expert report they may find that they end up paying more in the end

Certainly that USED to be JL policy, but that was when they had renowned customer service, these days they can seem worse than other suppliers. I used to buy so much from them and it was definitely an experience one was paying for, I remember swapping light shades half a dozen times because they did not look as good at home as in the shop.

AO do seem to be happy to have the customer arrange to have an engineer. Of course as the consumer rights act says a customer must not be inconvenienced which can depend on the nature of the product. We see car dealers providing courtesy cars and I have seen cases where Currys pay for food losses on a Fridge Freezer.

What Currys seem to do, when confronted hard, is to buy out the contract to the six years of the Limitation Act.

What I find sad is how things seems to have built in obsolescence, that is another reason for wanting to get a card for the S75 protection.

MyRealNameToo

https://forums.moneysavingexpert.com/discussion/comment/81892583#Comment_81892583

It depends, big firms like those mentioned will often allow the manufacturer to cover the cost of the person being sent out. Some will have their own staff, at least in large urban areas, and clearly the cost of sending an employee is on a very different scale than commissioning an independent engineer.

JL went downhill a long time ago in my experience, had to litigate on them to deal with a faulty pair of items I'd bought but their external lawyers settled in full straight away.

I normally talk down on Currys but the time I had a TV from them they were actually ok, first defect they repaired it fairly quickly, second time they declared it beyond repair and gave me a full refund so well beyond what they had to do by law. The only criticism was that both times their tracker showed it "in transit to the repair facility" for 2 weeks and then within the space of a few hours went to arrived, inspected, then either repaired and intransit to the customer or unrepairable. Voucher/repaired TV then with me within 48 hrs

DarthDaisy

So sad that JL dropped to this level, I looked at their website for a new Fridge Freezer and it was disappointing to see the range, they used to always have a decent selection for every budget or always have one that was last years model with a good discount.

AO sells too many options for Fridge Freezers often with the same model sold under different names.

In the end I created a spreadsheet of all the models that came up in my search and was able to figure out things I missed on all websites.

What is funny is they quote these energy comparisons assuming a 16 year life of the fridge freezer by default, cut that to 6 years or 8 years and you get a far more realistic view.

born_again

https://forums.moneysavingexpert.com/discussion/comment/81892504#Comment_81892504

Typical of consumer programs to get it wrong.

S75 is a per item, excluding P&P.

But you might have chargeback rights on smaller amounts.

4 fights might not be covered anyway, depending on who the flights are for.