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This extra protection covers items or services paid for in the UK or abroad.
It covers items bought from a shop or online, or phone or mail order.
Extra protection – did you pay by credit card?
You may also be able to get your credit card company to pay your claim for a faulty product or a poor service (including refunds or the cost of repairs) together with any extra losses and expenses you have suffered.
- This extra protection does not cover cheques, debit cards or charge card?
- Even if you just paid part (such as deposit) by credit card, you get extra protection for the full amount.
- The protection does not always apply to additional cardholders.
- This extra protection does not cover transaction on Amazon Marketplace (where the payment is to Amazon and not direct to the business).
- This extra protection does not always apply if you used PayPal (but then they have their own protection scheme).
This is especially useful if the shop or trader ignores your letter of complaint or if they have gone bust (and could not pay what you are entitled to).
Simply send start your letter of complaint to the card company adding this extra line at the beginning:
This letter of complaint relates to a purchase I made using my credit card with you. Under my rights under the Consumer Credit Act I ask that you pay me the sum claimed below with 14 days. My card number is [long card number].
Expert legal advice you can rely on:
Small Claims Service
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Credit Card
You may also be able to get your credit card company to pay your claim for a faulty product or a poor service (including refunds or the cost of repairs) together with any extra losses and expenses you have suffered.
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