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  • FIRST POST
    • Bucks67
    • By Bucks67 4th Jul 18, 5:08 PM
    • 2Posts
    • 0Thanks
    Bucks67
    Protection when purchasing a caravan
    • #1
    • 4th Jul 18, 5:08 PM
    Protection when purchasing a caravan 4th Jul 18 at 5:08 PM
    We are about to purchase a new caravan. I paid a £500 deposit on a MasterCard credit card and planning on paying the balance (approx £20,000) from savings. Will this give me enough protection or would paying a small amount with hp finance give me better protection? I want to make sure I!!!8217;m protected if any problems arise and I need to get things fixed and the dealer or manufacturer are being awkward or go out of business. Would a small amount of £1,000 cover me for the full amount?
    Last edited by Bucks67; 04-07-2018 at 5:19 PM.
Page 1
    • Inner Zone
    • By Inner Zone 4th Jul 18, 5:14 PM
    • 2,199 Posts
    • 1,244 Thanks
    Inner Zone
    • #2
    • 4th Jul 18, 5:14 PM
    • #2
    • 4th Jul 18, 5:14 PM
    We are about to purchase a new caravan. I paid a £500 deposit on a MasterCard credit card and planning on paying the balance (approx £20,00) from savings. Will this give me enough protection or would paying a small amount with hp finance give me better protection? I want to make sure Iím protected if any problems arise and I need to get things fixed and the dealer or manufacturer are being awkward or go out of business. Would a small amount of £1,000 cover me for the full amount?
    Originally posted by Bucks67

    Your figures don't make sense unless it's a £2500 caravan?
    • NCC-1707
    • By NCC-1707 4th Jul 18, 5:22 PM
    • 189 Posts
    • 395 Thanks
    NCC-1707
    • #3
    • 4th Jul 18, 5:22 PM
    • #3
    • 4th Jul 18, 5:22 PM
    Paying just £1 on a credit card gives you protection for 100% of your money whether £2k or £20k.
    • Bucks67
    • By Bucks67 4th Jul 18, 5:28 PM
    • 2 Posts
    • 0 Thanks
    Bucks67
    • #4
    • 4th Jul 18, 5:28 PM
    • #4
    • 4th Jul 18, 5:28 PM
    Well spotted Inner Zone, I have edited the post from £20,00 to £20,000
    Last edited by Bucks67; 04-07-2018 at 5:31 PM.
    • eddddy
    • By eddddy 4th Jul 18, 5:29 PM
    • 6,608 Posts
    • 6,477 Thanks
    eddddy
    • #5
    • 4th Jul 18, 5:29 PM
    • #5
    • 4th Jul 18, 5:29 PM
    By paying just £500 on your credit card, you should have 'section 75' protection for the full amount of £20,500.

    (Assuming there's nothing else about the transaction that prevents s75 cover.)

    That makes the credit company jointly liable with the caravan supplier for breach of contract. (But it doesn't provide any extra rights or warranties.)

    If you pay another 'part' by another credit provider (say another credit card), they become jointly liable for breach of contract as well.

    So then, if the caravan supplier breached the contract, you'd have the choice of pursuing...
    • The caravan supplier
    • Credit card company 1
    • Credit card company 2
    • knightstyle
    • By knightstyle 4th Jul 18, 7:42 PM
    • 4,756 Posts
    • 1,771 Thanks
    knightstyle
    • #6
    • 4th Jul 18, 7:42 PM
    • #6
    • 4th Jul 18, 7:42 PM
    We did exactly the same, £500 deposit on CC, rest from our bank A/C by transfer. That was back when we paid extra for the CC bit but this does not apply now.
    Never needed it as the dealer dealt with the small problem we had straight away. However with a previous caravan purchase some years ago we had big problems and the dealer was awful. In the end a solicitors letter got us a full refund.
    So my advice is yes pay £500 by CC and choose your dealer carefully, most are fair but there are a few rogues out there.
    By the way, our last van had ATC trailer control which I thoroughly recommend.
    • peter_the_piper
    • By peter_the_piper 4th Jul 18, 8:59 PM
    • 26,148 Posts
    • 35,174 Thanks
    peter_the_piper
    • #7
    • 4th Jul 18, 8:59 PM
    • #7
    • 4th Jul 18, 8:59 PM
    Why ask this question after paying the deposit? Would it not have been better to ask before risking the money?
    I'd rather be an Optimist and be proved wrong than a Pessimist and be proved right.
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