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  1. #11
    VXR Nothing comes close IanJ's Avatar
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    Quote Originally Posted by vxrmjp View Post
    The only problem with this is that the card issuer is only liable for the amount of the card transaction i.e. if you make a purchase of say £5000 and £100 is on a card, only £100 is covered on your card.
    You have the same legal rights if buying from a dealer anyway. Just make sure that the dealer has actual premises, is well established and has something to lose if it did turn sour.
    Card companies are notorious for twisting the legal definition of defective goods for used items and will usually involve legal action before they will pay up. You can do that against the dealer and cut out the middle man.
    It's the main reason why I never buy from private buyers or small dealers.

    As Raiden pointed out section 75 covers you as long as you've paid £100 or more even as a partial payment


    https://www.which.co.uk/consumer-rig...mer-credit-act


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    However, to claim under Section 75 you don't have to have paid more than £100 or the full amount on your credit card – the card company is liable even if you made only part of the payment (a deposit, say) on your card.
    It's the value of the goods you're buying that is key - not the amount paid on the card.
    For example, if you ordered a new sofa from a furniture store and paid a £60 deposit with your credit card and the balance of £600 by cheque, you would be covered for the whole £660 if the dealer went out of business and you didn't get your sofa.

    Astra

  2. #12
    VXRacing ahead vxrmjp's Avatar
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    Quote Originally Posted by IanJ View Post
    As Raiden pointed out section 75 covers you as long as you've paid £100 or more even as a partial payment


    https://www.which.co.uk/consumer-rig...mer-credit-act


    Quote -

    However, to claim under Section 75 you don't have to have paid more than £100 or the full amount on your credit card – the card company is liable even if you made only part of the payment (a deposit, say) on your card.
    It's the value of the goods you're buying that is key - not the amount paid on the card.
    For example, if you ordered a new sofa from a furniture store and paid a £60 deposit with your credit card and the balance of £600 by cheque, you would be covered for the whole £660 if the dealer went out of business and you didn't get your sofa.
    I stand corrected, thanks for pointing it out!
    I did a little research on it and found that Raiden was quite correct. I had been relying upon other areas of legislation relating to liability, but as always with law, much of it purposely overlaps.
    Obviously, non delivery cases as Ian points out are fairly straightforward and unlikely to pose much of an issue in the event of a claim. New cars would be one example.
    Used cars are going to be a little more complex, specifically when it comes to defects. Consumer legislation does allow for minor defects in used goods sold by businesses. The issue is interpretation of minor defects I.e. was it sold as seen or with the defects pointed out, the age and mileage would also play a part with older, high mileage cars being expected to have more wear and tear, so more defects. Even when buying used cars in cash and then experiencing issues, the interpretation of legislation by the courts is likely to be a little like Russian roulette. In the case of the op, the list of defects against the car's value etc would likely render the trader for a sizeable part of the repairs. Basically, the major safety ones.
    SAVE THE VXR AND STOP BUYING SUV TOSH!

  3. #13
    VXRed
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    Thanks for the very helpful replies.

    Can’t imagine how long yours took to type kris. Has gave me a good list to work through!Will update from Tuesday after garage appointment.

    Stephen

  4. #14
    VXRed Kawi Kris's Avatar
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    Your welcome mate

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