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Online shoppers are being caught out by a loophole that denies their right to claim for faulty goods from their credit card company.
Normally a credit card gives you protection under the Consumer Credit Act. If goods you purchase are broken or do not turn up and the store fails to deal with your complaint, your card issuer is jointly liable and must pay up.
However, this applies ONLY if you deal with the store DIRECTLY. Many online shops now use a seperate company to deal with their payments. This means the credit agreement has shifted to the payments company, rather than being with the store. So if your purchase breaks, you cannot claim against your card issuer.
Emma Parker, a spokesman for the Financial Ombudsman Service says: “It is worth shoppers paying attention to whom they are paying when they shop online. It is often obvious if they are redirected to another website to make a payment. We have seen cases where shoppers are surprised that they have no protection!”
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