Money back through Credit Card Companies
I have got the decission by the House of Lords which upholds decission on credit card cover for overseas purchases, it says among other information:
It confirms that credit card issuers are individually an djointly liable with suppliers if a consumer has a valid claim against the supplier for misrepresentation or breach of contract. This applies to overseas purchases where the price is above 100 pounds but no more than 30.000 pounds.
- The consumer protection afforded by section 75 allows for the possibility of monay that seemed lost on a credit card purchase being claimed back.
- If you pay by credit card you can claim your money back from the credit card company if the seller fails to honour the contract, or the item is faulty or if the seller wrongly describes it or if the supplier goes out of business.
-You do not have to attempt to claim your money back from the seller first, the credit card company is individually liable
-If you are buying an item costing over 100 pounds and you are asked for a deposit, consider paying the deposit by credit card
-You are not covered by section 75 if you use a debit or charge card
-If using your credit card abroad, you will need to work out whether the purchase price amounts to more than the sterling equivalent of 100 pounds and less than 30.000 pounds.
If any of you wants me to send the full note. Please let me know.
Maria L. de Castro, JD, MA
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