Re: [edlug] ccfl experience with laptop

[Simon Wilkinson <sxw@xxx.xxx.xxx>]

On 31 Jul 2008, at 19:32, Andrew Beames wrote:

> On Thursday 31 July 2008 09:33:28 Tahir Hafiz wrote:
> > I think if a courier does arrive you can refuse the package and then
> > the company has to refund you, also I think your level of protection
> > when things like this happen is usually somewhat greater if you  
> > used a
> > credit card than a debit card. I am not entirely sure about this
> > though.

> Maestro debit cards do not offer much protection from anything  
> other than
> fraud. However, Visa debit cards offer the same fraud & dispute  
> rights that you
> have, legally, using your Visa or MasterCard credit card.

Really?

I'm pretty sure that these enhanced dispute and fraud rights are  
mandated by the Consumer Credit Act. It's only if your card agreement  
is governed by that Act that you have the rather more robust consumer  
protection that's offered by credit cards. Certainly, none of my Visa  
Debit cards fall into that category (and not all 'credit' cards do  
so, either - it's worth checking.)

Simon.

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