Do you have an issue you need to put right? Which? is here to help get your consumer problems sorted.
My wife is a secondary cardholder on my Santander credit card.
She used the card to purchase a holiday through Teletext Holidays, but the company unfortunately went bust before her trip.
Can you help?
Bill Wilkinson-Hoy, Which? Money Helpline adviser, says:
Under Section 75 your credit card firm is jointly liable for any breach of contract or misrepresentation by a retailer or trader on purchases between £100 and £30,000.
This means you can ask the card company for a refund if an item or service is not delivered, is faulty or not as described, or - as in your case - where the provider has gone bust and hasn’t provided what you paid for.
However, a little-known clause states that if the purchase is made by the secondary card holder, and the primary card holder doesn’t benefit from the purchase then Section 75 will not apply.
You wouldn't have benefitted from your wife's holiday purchase as you weren't on the booking, and hence the purchase doesn't get Section 75 protection.
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