Um advogado de Merseyside está instando aqueles que pagam férias, móveis, carros ou outros itens caros para pagar pelo menos em parte por cartão de crédito enquanto as pessoas se preparam para gastar em férias e melhorias em casa ou em parte de seus cartões de Páscoa. Leis de crédito ao consumidor Se as coisas deriam errado - ou corre o risco de perder seu dinheiro. Como carros usados, feriados ou até cozinhas, sempre existe o risco de que algo dê errado, e nossos advogados tenham visto vários desses casos ocorrendo nos últimos meses. inválido. Esta cláusula pouco conhecida significa que a empresa do cartão de crédito tem igualdade de responsabilidade com o vendedor se você não receber o produto ou se há algo errado com ele. Tudo o que você precisa fazer para receber essa proteção extra é usar seu cartão de crédito para pagar por algo que custa entre £ 100 e £ 30.000. ”
David Kirwan, managing partner at Kirwans law firm, said it is ‘crucial’ that people use their credit or store cards to pay for some or all of their purchase to benefit from consumer credit laws if things go wrong – or risk losing their cash.
His advice comes as retailers gear up for an Easter spending bonanza, with figures from American Express showing that last year UK respondents were planning to spend an average of £75 each on getting away from it all over the long weekend, while others were planning to spend £26 each on DIY.
David said: “Unfortunately, when spending a lot of money on purchases such as used cars, holidays or even kitchens, there is always a risk that something may go wrong, and our solicitors have seen a number of such cases occurring in recent months.
“One of my clients, for example, spent £12,500 on a car only to find 18 months later that it was not covered by the warranty because the garage that had sold it to her had not carried out the promised service, rendering the warranty invalid.
“Fortunately, the client had partly paid for the car by credit card, which means that her purchase was covered by Section 75 of the Consumer Credit Act. This little-known clause means that the credit card company has equal liability with the seller if you don’t receive the product, or if there’s something wrong with it. All you have to do to receive this extra protection is to use your credit card to pay for something costing between £100-£30,000.”
No entanto, David explica, há algumas regras simples que as pessoas precisam seguir para a lei para aplicar. Analisar a fatura a mais de £ 100 também não funcionará - o próprio produto deve custar no mínimo £ 100. Se você fechou sua conta de cartão de crédito, ainda pode reivindicar na Seção 75.
Using a delivery charge to nudge the bill to over £100 won’t work either – the product itself must cost a minimum of £100.
Also, you can only claim on Section 75 under two scenarios – the first being for breach of contract if you don’t receive what you’ve paid for or there’s something wrong with it; the second for misrepresentation if your decision to purchase is based on incorrect information.
However, you should always request a refund before taking legal action, and even if you’ve since closed your credit card account, you can still claim under Section 75.
"É claro que gastar com cartão de crédito pode trazer seus próprios problemas", diz David, "por isso é aconselhável pagar seu cartão de crédito integralmente. Downtown in Business
