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S75 Liability of creditor for breaches by supplier in the Consumer Credit Act 1974 (UK)



Planned maintenance scheduled April 17/18, 2019 at 00:00UTC (8:00pm US/Eastern)
Announcing the arrival of Valued Associate #679: Cesar Manara
Unicorn Meta Zoo #1: Why another podcast?Is other party by law required to give you a copy of contract, if you don't have one, but he does?Can other party sneak in new contract terms via termination notice?I didn't get my portion of the damage deposit back and some other roommates did, and no reason was givenHow to prove I live in a specific address?Taken to personal collections over your LLC's debtContractor - incomplete, ineffective and a mess left with a huge billWhose instructions should be followed in a dispute - majority shareholder vs company director? (UK)Contractor bailed after getting paid in fullWhat if a lawyer steals my idea and doesn't do the work?Defective software update instructions irreparably breaks product. Do any UK consumer or product liability laws apply?










0















I had a verbal contract with a contractor and part of the payment for that contract was a credit card payment of £2k in a £10K contract. Payment by credit card as made halfway during thye prosecution of the contract.



However all the work - all was improperly done and not to code.
The whole project worth £30K was wrecked and irrecoverable. £30K including the original contract sum. As said, the contract sum was £10K. How was it wrecked? The construction was so shoddy it fell down after a few gusts of wind. The foundation for the shed was so badly done the shed contractor refused to install it and went back. Deposit is now forfeit.



Can the credit card company be sued if the contractors' intention was fraudulent and has disappeared. No leaving address and all addresses used during the contract term and payment were relatives who subsequently denied knowing the
whereabouts of the contractor.



Phone calls made by the contractor seeking payment falsely claimed work had been done that had not been done and phone call were messages left so it can be inferred contractor had a fraudulent intention.



Information: Original contract was for construction and gardening work All structural work after rain and strong wind were physically lifted and destroyed. Foundation work for shed was so badly done that subsequent quotes from 4 contractors all said it had to be broken up and redone.



Whilst the contract was £10K, the materials purchase and site costs all came to about £20K adding up to £30K in total. All are receipted.



4 quotes were sought from other contractors to put right what had been done wrong all came to the same range - £ 35K to £40K.



What remedies are available against the credit card company seeing that the original contractor has intentionally disappeared.










share|improve this question














bumped to the homepage by Community 10 mins ago


This question has answers that may be good or bad; the system has marked it active so that they can be reviewed.















  • Have you disputed the charge with your credit card issuer?

    – feetwet
    Oct 1 '18 at 21:52











  • yes. refused s75 liability

    – seanbw
    Oct 8 '18 at 17:13















0















I had a verbal contract with a contractor and part of the payment for that contract was a credit card payment of £2k in a £10K contract. Payment by credit card as made halfway during thye prosecution of the contract.



However all the work - all was improperly done and not to code.
The whole project worth £30K was wrecked and irrecoverable. £30K including the original contract sum. As said, the contract sum was £10K. How was it wrecked? The construction was so shoddy it fell down after a few gusts of wind. The foundation for the shed was so badly done the shed contractor refused to install it and went back. Deposit is now forfeit.



Can the credit card company be sued if the contractors' intention was fraudulent and has disappeared. No leaving address and all addresses used during the contract term and payment were relatives who subsequently denied knowing the
whereabouts of the contractor.



Phone calls made by the contractor seeking payment falsely claimed work had been done that had not been done and phone call were messages left so it can be inferred contractor had a fraudulent intention.



Information: Original contract was for construction and gardening work All structural work after rain and strong wind were physically lifted and destroyed. Foundation work for shed was so badly done that subsequent quotes from 4 contractors all said it had to be broken up and redone.



Whilst the contract was £10K, the materials purchase and site costs all came to about £20K adding up to £30K in total. All are receipted.



4 quotes were sought from other contractors to put right what had been done wrong all came to the same range - £ 35K to £40K.



What remedies are available against the credit card company seeing that the original contractor has intentionally disappeared.










share|improve this question














bumped to the homepage by Community 10 mins ago


This question has answers that may be good or bad; the system has marked it active so that they can be reviewed.















  • Have you disputed the charge with your credit card issuer?

    – feetwet
    Oct 1 '18 at 21:52











  • yes. refused s75 liability

    – seanbw
    Oct 8 '18 at 17:13













0












0








0








I had a verbal contract with a contractor and part of the payment for that contract was a credit card payment of £2k in a £10K contract. Payment by credit card as made halfway during thye prosecution of the contract.



However all the work - all was improperly done and not to code.
The whole project worth £30K was wrecked and irrecoverable. £30K including the original contract sum. As said, the contract sum was £10K. How was it wrecked? The construction was so shoddy it fell down after a few gusts of wind. The foundation for the shed was so badly done the shed contractor refused to install it and went back. Deposit is now forfeit.



Can the credit card company be sued if the contractors' intention was fraudulent and has disappeared. No leaving address and all addresses used during the contract term and payment were relatives who subsequently denied knowing the
whereabouts of the contractor.



Phone calls made by the contractor seeking payment falsely claimed work had been done that had not been done and phone call were messages left so it can be inferred contractor had a fraudulent intention.



Information: Original contract was for construction and gardening work All structural work after rain and strong wind were physically lifted and destroyed. Foundation work for shed was so badly done that subsequent quotes from 4 contractors all said it had to be broken up and redone.



Whilst the contract was £10K, the materials purchase and site costs all came to about £20K adding up to £30K in total. All are receipted.



4 quotes were sought from other contractors to put right what had been done wrong all came to the same range - £ 35K to £40K.



What remedies are available against the credit card company seeing that the original contractor has intentionally disappeared.










share|improve this question














I had a verbal contract with a contractor and part of the payment for that contract was a credit card payment of £2k in a £10K contract. Payment by credit card as made halfway during thye prosecution of the contract.



However all the work - all was improperly done and not to code.
The whole project worth £30K was wrecked and irrecoverable. £30K including the original contract sum. As said, the contract sum was £10K. How was it wrecked? The construction was so shoddy it fell down after a few gusts of wind. The foundation for the shed was so badly done the shed contractor refused to install it and went back. Deposit is now forfeit.



Can the credit card company be sued if the contractors' intention was fraudulent and has disappeared. No leaving address and all addresses used during the contract term and payment were relatives who subsequently denied knowing the
whereabouts of the contractor.



Phone calls made by the contractor seeking payment falsely claimed work had been done that had not been done and phone call were messages left so it can be inferred contractor had a fraudulent intention.



Information: Original contract was for construction and gardening work All structural work after rain and strong wind were physically lifted and destroyed. Foundation work for shed was so badly done that subsequent quotes from 4 contractors all said it had to be broken up and redone.



Whilst the contract was £10K, the materials purchase and site costs all came to about £20K adding up to £30K in total. All are receipted.



4 quotes were sought from other contractors to put right what had been done wrong all came to the same range - £ 35K to £40K.



What remedies are available against the credit card company seeing that the original contractor has intentionally disappeared.







contract-law consumer-protection breach-of-contract






share|improve this question













share|improve this question











share|improve this question




share|improve this question










asked Oct 1 '18 at 15:42









seanbwseanbw

11




11





bumped to the homepage by Community 10 mins ago


This question has answers that may be good or bad; the system has marked it active so that they can be reviewed.







bumped to the homepage by Community 10 mins ago


This question has answers that may be good or bad; the system has marked it active so that they can be reviewed.














  • Have you disputed the charge with your credit card issuer?

    – feetwet
    Oct 1 '18 at 21:52











  • yes. refused s75 liability

    – seanbw
    Oct 8 '18 at 17:13

















  • Have you disputed the charge with your credit card issuer?

    – feetwet
    Oct 1 '18 at 21:52











  • yes. refused s75 liability

    – seanbw
    Oct 8 '18 at 17:13
















Have you disputed the charge with your credit card issuer?

– feetwet
Oct 1 '18 at 21:52





Have you disputed the charge with your credit card issuer?

– feetwet
Oct 1 '18 at 21:52













yes. refused s75 liability

– seanbw
Oct 8 '18 at 17:13





yes. refused s75 liability

– seanbw
Oct 8 '18 at 17:13










1 Answer
1






active

oldest

votes


















0














Assuming the CC company has complied with its contract with you and the law, None.






share|improve this answer























  • In the UK, S75(1) says credit card company is responsible. I am looking for case law to back it up.

    – seanbw
    Oct 27 '18 at 15:42











Your Answer








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1 Answer
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1 Answer
1






active

oldest

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active

oldest

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active

oldest

votes









0














Assuming the CC company has complied with its contract with you and the law, None.






share|improve this answer























  • In the UK, S75(1) says credit card company is responsible. I am looking for case law to back it up.

    – seanbw
    Oct 27 '18 at 15:42















0














Assuming the CC company has complied with its contract with you and the law, None.






share|improve this answer























  • In the UK, S75(1) says credit card company is responsible. I am looking for case law to back it up.

    – seanbw
    Oct 27 '18 at 15:42













0












0








0







Assuming the CC company has complied with its contract with you and the law, None.






share|improve this answer













Assuming the CC company has complied with its contract with you and the law, None.







share|improve this answer












share|improve this answer



share|improve this answer










answered Oct 17 '18 at 20:22









Dale MDale M

56.8k23679




56.8k23679












  • In the UK, S75(1) says credit card company is responsible. I am looking for case law to back it up.

    – seanbw
    Oct 27 '18 at 15:42

















  • In the UK, S75(1) says credit card company is responsible. I am looking for case law to back it up.

    – seanbw
    Oct 27 '18 at 15:42
















In the UK, S75(1) says credit card company is responsible. I am looking for case law to back it up.

– seanbw
Oct 27 '18 at 15:42





In the UK, S75(1) says credit card company is responsible. I am looking for case law to back it up.

– seanbw
Oct 27 '18 at 15:42

















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