We'll soon be having a garden makeover done and it's going to cost £11k.
If we pay, say, £1k on credit card and the remaining £10k by debit card
or bank transfer, would we get Section 75 protection if we should need it?
We'll soon be having a garden makeover done and it's going to cost
£11k. If we pay, say, £1k on credit card and the remaining £10k by
debit card or bank transfer, would we get Section 75 protection if we
should need it?
Steve <none@wanted.com> wrote in news:101q6r6$10s9n$1@dont-email.me:
We'll soon be having a garden makeover done and it's going to cost
ï½£11k. If we pay, say, ï½£1k on credit card and the remaining ï½£10k by
debit card or bank transfer, would we get Section 75 protection if we
should need it?
For clarity it can be from ï½£100.01 upwards (over ï½£100) although that could
make your protection scheme and trust profile a bit obvious. Top limit is
30k so you should be well within those limits.
I have taken similar Section 75 precautions when buying a car of
significant value, highly recommended.
We'll soon be having a garden makeover done and it's going to cost £11k. If we pay,
say, £1k on credit card and the remaining £10k by debit card or bank transfer, would we
get Section 75 protection if we should need it?
On 4 Jun 2025 at 21:18:13 BST, Peter Walker wrote:
Steve <none@wanted.com> wrote in news:101q6r6$10s9n$1@dont-email.me:
We'll soon be having a garden makeover done and it's going to cost
ï½£11k. If we pay, say, ï½£1k on credit card and the remaining ï½£10k by >> debit card or bank transfer, would we get Section 75 protection if we
should need it?
For clarity it can be from ï½£100.01 upwards (over ï½£100) although that could
make your protection scheme and trust profile a bit obvious. Top limit is 30k so you should be well within those limits.
I have taken similar Section 75 precautions when buying a car of significant value, highly recommended.
I understood that debit card payments are not covered by s.75 - the OP would have to rely on chargeback. Similar, but not a legal protection. For example:
https://www.money.co.uk/current-accounts/is-debit-card-protection-the-same-as-for-credit-cards
RJH <patchmoney@gmx.com> wrote:
On 4 Jun 2025 at 21:18:13 BST, Peter Walker wrote:
Steve <none@wanted.com> wrote in news:101q6r6$10s9n$1@dont-email.me:
We'll soon be having a garden makeover done and it's going to cost
?11k. If we pay, say, ?1k on credit card and the remaining ?10k by
debit card or bank transfer, would we get Section 75 protection if we
should need it?
For clarity it can be from ?100.01 upwards (over ?100) although that could >> > make your protection scheme and trust profile a bit obvious. Top limit is >> > 30k so you should be well within those limits.
I have taken similar Section 75 precautions when buying a car of
significant value, highly recommended.
I understood that debit card payments are not covered by s.75 - the OP would >> have to rely on chargeback. Similar, but not a legal protection. For example:
https://www.money.co.uk/current-accounts/is-debit-card-protection-the-same-as-for-credit-cards
Yes, but if you make a partial payment with a credit card S.75 covers the whole amount up to £30k:
"The item or service you purchase must be over £100 or under £30,000 to make a
claim."
"A Section 75 claim can be for the total cost of your item even if you use your credit card for part payment where the cost is £100 or less." https://www.lloydsbank.com/credit-cards/help-and-guidance/section75.html
We'll soon be having a garden makeover done and it's going to cost £11k.
If we pay, say, £1k on credit card and the remaining £10k by debit card or >bank transfer, would we get Section 75 protection if we should need it?
"Theo" <theom+news@chiark.greenend.org.uk> wrote in message news:jKm*DJfeA@news.chiark.greenend.org.uk...
RJH <patchmoney@gmx.com> wrote:
On 4 Jun 2025 at 21:18:13 BST, Peter Walker wrote:
Steve <none@wanted.com> wrote in news:101q6r6$10s9n$1@dont-email.me:
We'll soon be having a garden makeover done and it's going to cost
?11k. If we pay, say, ?1k on credit card and the remaining ?10k by
debit card or bank transfer, would we get Section 75 protection if we >>> >> should need it?
For clarity it can be from ?100.01 upwards (over ?100) although that could
make your protection scheme and trust profile a bit obvious. Top limit is >>> > 30k so you should be well within those limits.
I have taken similar Section 75 precautions when buying a car of
significant value, highly recommended.
I understood that debit card payments are not covered by s.75 - the OP would
have to rely on chargeback. Similar, but not a legal protection. For example:
https://www.money.co.uk/current-accounts/is-debit-card-protection-the-same-as-for-credit-cards
Yes, but if you make a partial payment with a credit card S.75 covers the
whole amount up to £30k:
"The item or service you purchase must be over £100 or under £30,000 to make a
claim."
"A Section 75 claim can be for the total cost of your item even if you use >> your credit card for part payment where the cost is £100 or less."
https://www.lloydsbank.com/credit-cards/help-and-guidance/section75.html
So what exactly does the "cost is £100" or less refer to ?
Apologies, I'll rephrase that.
So if somebody is buying a car for say £ 30,000*, providing they pay £5 using their LLoyds Bank credit card, they're proitected for the other £29,995, regardless of how they pay ?
Which presumably isn't going to be by Debit Card as that's already
covered by Chargeback.
So LLoyds bank are legally obliged via Section 75 of the Consumer Credit
Act to cough up ? Even if its in cash ?
Isn't that rather open to abuse, to say the very least ?
* Not than an upper limit is actually specified.
This thread has turned a light on for me. I am missing out on some
consumer protection by not having a credit card, is it worth getting one
to get the protection? I would plan to pay it off each month.
We'll soon be having a garden makeover done and it's going to cost £11k. If we pay, say, £1k on credit card and the remaining £10k by debit card or bank transfer, would we get Section 75 protection if we should need it?
Jeff Gaines <jgnewsid@outlook.com> wrote:
[quoted text muted]
Definitely. It gets you more consumer rights than just a debit card.
However S.75 only applies to items between £100 and £30k - if you are buying something with less than that value then you have to rely on the Visa/Mastercard chargeback scheme (which is really a big stick to beat retailers with, rather than any kind of consumer protection).
Yes, but if you make a partial payment with a credit card S.75 covers the >whole amount up to £30k:
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