Section 75? Tesco credit card

[Annie71]

Hello everyone

 

I am writing this for a friend. He is self employed as a sole trader and last year made a purchase from a supplier on his personal credit card from a supplier. He also has a business credit card with LTSB

 

The products were faulty and he attempted to send them back but the supplier refused so he tried to get a credit from Tesco

 

They have written back saying that they can not help because they do not cover business transactions. He has at no time said they were a business purchase

 

Does he have any rights and if so what should he do next

thanks

[dx100uk]

http://sogahub.tradingstandards.gov.uk/

 

dx

[Annie71]

Thank you dx. So he has a right under the soga to get a refund but I do not know if he is covered by s75 on his personal credit card. The supplier is not playing ball so although he could make a small claim it would be a lot easier if the credit card who pay.

[dx100uk]

not sure on section 75

 

but I WOULD NOT believe what you are being told from ltsb

 

I cant see how they can refuse sec 75.

[Annie71]

This is a Tesco card are they done by ltsb...

[theoldrouge]

so long as purchase was for more than £100 on personal card, then card co are jointly liable. complaint to FOS

[dx100uk]

I thought they were rbs - Tesco?

 

dx

[Annie71]

Thank you . He has a business card with Ltsb but this purchase was made on a personal card which is a Tesco one. I am going to write a formal complaint letter. Would I be right in heading it formal complaint and saying that I am going to escalate it to the fos ..

[dx100uk]

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/31/creditcards-31.htm

 

good idea

 

why doesn't he just give the a quick ring

 

test the water.

 

dx

[Annie71]

Do you think that is worth it as he has had a letter saying no it was a business transaction. I think the problem was it was a personal purchase on a personal card but from a wholesaler who invoiced with the business name. Unfortunately that was the name the wholesale account was in

[dx100uk]

the fact that the business name is on the invoice is of no consequence

 

nothing on the credit card statement says so?

 

 

 

dx

[Annie71]

Thanks. Letter written and posted.

[Annie71]

Had a reply from Tesco saying we are investigating etc etc. Should get a final response soon

[Annie71]

Still no news other than a letter saying they need more time

[Annie71]

Tesco have refused point blank to refund the money as they say it was a business purchase. Any ideas what next