Using your credit card for purchases!

[mole42]

A lesson learned, and I'm passing it on.

On recommendation, I took my Stag to a garage in Dorset to have the diff rebuilt. After a few weeks, and a lot of other aggravation, the garage told me the car was ready and the diff was sorted. I collected the car, paid the surprisingly high bill with my credit card, and drove home. On my 2-hour journey home, I realised that the diff wasn't any better than when I'd taken the car to the garage so I complained. After the garage had seen the car again and refused to do anything about it I tried a legal approach which was rebuffed - effectively "I'll see you in Court".

Then I remembered about Section 75 of the Consumer Credit Act of 1974 which holds the credit card company jointly liable for goods or services that are faulty or not as described. I put a claim in to the card company, they asked me to get another garage to confirm that the job wasn't right and then they refunded me in full for the garage bill, and for several other bills I'd got as a result of the car being poorly.

I hope this helps someone in the future.
Richard

[kev100]

Totally agree, always pay anything with a credit card, especially holidays and flights,

The surprising thing is, dont need to pay the whole bill with the credit card, I can't remember the minimum, but 50 quid should do it, this is especially useful if you want to buy a car or a high cost purchase, you pay 50 quid on the credit card, and the rest with a loan or cash or however you choose to pay it, but you are covered for the total amount under section 75 .. good little trick to know, especially if you dont have a credit card with a high spending level.

My mom bought a £10,000 Jaguar, paid £50 quid with the credit card to get the section 75 cover, main reason the garage wanted to add 4.5% to the cost to pay it all with a credit card, paid the rest by bank transfer .. covered for the full £10k ..

[fussydave]

The rules are that the purchase price for a single item must be at least £100 and at most £30000. Rule 75 will not apply if you buy three items totaling over £100 but each individual item is less than £100. You only need to pay a deposit on the credit card (1p is enough!) the rest can be paid by cheque, cash or debit card. You will not be covered if you pay a third party with your credit card for a service or goods (ie Paypal) - you, the retailer and the credit card company must be directly linked. See Money Saving Expert web site for more information.

Dave

[jagorstag]

Thanks guys for sharing, that is good to know for sure.

Cheers,
Joakim

[Jeff]

I purchased 2 tickets for a gig a few years ago and paid with mastercard. the date of the gig was changed but I was not notified. When I contacted the ticket office to request a refund as I could not make the new date, I was told it was my fault for not looking in the newspapers for the changed dates.

I received a full refund (£300) from mastercard pending their enquiries. It was found in my favour that the ticket office had a duty to inform me direct, as they had my e mail address but failed to do so.

Had the ticket office refunded earlier, they could have sold the tickets on as it was a sellout concert but possibly only got tout's rates.

[kev100]

The rules are that the purchase price for a single item must be at least £100 and at most £30000. Rule 75 will not apply if you buy three items totaling over £100 but each individual item is less than £100. You only need to pay a deposit on the credit card (1p is enough!) the rest can be paid by cheque, cash or debit card. You will not be covered if you pay a third party with your credit card for a service or goods (ie Paypal) - you, the retailer and the credit card company must be directly linked. See Money Saving Expert web site for more information.

Dave

Thanks for updating, t was several years ago my mom bought the Jag

[Nigel W]

I've got my fingers crossed as I have recently submitted a claim in respect of Monarch airline tickets. We will see.

[Mark Serj]

Does the same apply to using a debit card by chance? I'm thinking not......

[kev100]

Does the same apply to using a debit card by chance? I'm thinking not......

nope

[mole42]

Does the same apply to using a debit card by chance? I'm thinking not......

No. That’s why I’m happy I used the credit card. It is unusual for me to use it, but some guardian angel looked after me that day!

[fussydave]

Does the same apply to using a debit card by chance? I'm thinking not......

There is a thing called Charge Back that applies to debit cards. It does not have the legal power of rule 75 but it may be of help.

Also note if the credit card purchase is by a secondary credit card (say your wife's card on your account), if the purchase is not for your benefit, rule 75 does not apply. So a an example, if a family holiday is purchased by the secondary card user it would be deemed that the primary card holder will benefit so rule 75 would apply. But if the purchase was say a flight ticket for the secondary card owner only then it would not be covered by rule 75.

Dave