Credit cards are a better motoring risk
If you prefer paying cash to avoid getting into debt you get less consumer protection that you would have by using a credit card. This is advice from the Trading Standards Institute, not me.
For example, if a foxy lady driver paid for garage services like car servicing or repairs by using her credit card, and if the work costs more than £100, she would be protected by the Consumer Credit Act 1974.
Section 75 of the Consumer Credit Act 1974 makes the credit card company as responsible as the garage for a breach of contract or a misrepresentation. So, if she or any other driver was unhappy and unable to resolve the issue to her satisfaction she could take action against the garage owner (checking to find out if the owner is an individual, a partnership or a company), the credit card company or both.
But Section 75 does not apply if she were to pay by charge card or debit card.
Which seems daft to me when many smart females and males might prefer to pay cash or use a debit card… why should the law be any different depending on how you pay?
FOXY Steph
www.foxyladydrivers.com
