Consumer Credit Act


Section 75 of the Consumer Credit Act 1974 says…

75. — (1) If the debtor under a debtor-creditor-supplier agreement falling within section 12(b) or (c) has, in relation to a transaction financed by the agreement, any claim against the supplier in respect of a misrepresentation or breach of contract, he shall have a like claim against the creditor, who, with the supplier, shall accordingly be jointly and severally liable to the debtor.

Some travellers are assuming that this means that a travel agent or tour operator offering a consumer protection is no longer necessary as if there is a problem with a travel provider than the credit card company will refund the payment.

But will it? It depends on what you have booked, and what has gone wrong. On the John Guinn Travel Show – 25th November 2013, I spoke to Richard Koch, Head of Card Payments at the UK Card Association about credit cards and payment protection.

Listen to the show and you’ll find out where you really stand.

I’m interested to know your experience with a holiday failure and how your credit card helped (if at all). Please comment below and at I later date I’ll report back on my show.