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ernie2151 Member
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Consumer Credit Act s75 protection

It was suggested recently on a consumer advice program that credit card payments to a commercial supplier via Paypal, does not give CCA s75 protection to buyer.  How can I obtain s75 protection and still use Paypal for sig CC payment?

profdata Volunteer Advisor
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Re: Consumer Credit Act s75 protection

You will keep all of your credit card consumer rights when you use it to fund your paypal payments.

 

About 8-10 years ago, AMEX and Discovery cards tried to limit  their card holder rights, when paying with bidpay, paypal and others, it ended biting them in the AS&. 

 

 

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ernie2151 Member
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Re: Consumer Credit Act s75 protection

profdata, can you provide a link to that dispute &outcome.

The word from this side is that whilst Paypal is regulated by FSA rules, it is not a credit card provider, so my s75 CSA rights do not apply to payments I make to supplier if I use Paypal as intermediary. In effect I am paying Paypal by CC, who is not jointly liable for goods or services under s75. This is further complicated if I pay supplier direct, using Paypal's latest business package for supplier accepting payment by credit card via Paypal.

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