Protection when using finance

https://www.financial-ombudsman.org.uk/consumers/complaints-can-help/credit-borrowing-money/goods-services-bought-credit

The above might help but only for goods costing up to £30k

I suggest trying an internet search for other info.

If the purchase is for £30k or less put £100 or more on your credit card, perhaps as a deposit.  It is unlikely that the dealer will accept the whole amount on a CC because of the cost to him.  Doing that makes your CC company jointly and severally responsible for the purchase.  Should your dealer then let you down in any meaningful way you will have the legal protection of Section 75 of the Consumer Credit Act 1974. 

I've always put my deposit on a credit card for as much as the buyer will allow. That way I get the protection, my money gets another months interest and my Nectar points balance increases.

I didnt know it was restricted to £30k though.

Found this;

https://www.moneyhelper.org.uk/en/everyday-money/credit-and-purchases/how-youre-protected-when-you-pay-by-card

Oh yes. The goods, not the amount borrowed, must cost between £100 and £30k. Your link and mine are much the same and explain that. Over £30k you have the County Court system to fall back on.

I'm reading it as the amount spent, not the list price of the goods though. So if you bought a new car at £40k without p/x you wouldnt be covered because you're spending £40k, but if you chopped in your old car at £10k you would be as you're spending £30k. Am I right?

I take the opposite view. In my link it explains section 75 applies if  “the cash price of the goods or services is more than £100 but not more than £30,000” and I take that to mean the price paid. The fact that you paid part by means of p/ex doesn’t alter the total price paid as I see it.

Thanks everyone. I”m aware of the credit card protection, but its max is £30k. I”m specifically talking about Motorhome finance.

PS for clarification, the £30k limit on credit cards is the purchase price. It is not relevant whether you finance it by a trade in etc, it is the purchase price.

But what is "motorhome finance"? It’s either a bank loan, HP, or credit card and no different to any other sort of finance. Surely a loan is a loan🤷🏻‍♂️

TW , a loan is a loan.

Finance is secured on a specific vehicle which is registered to the finance company until you pay off the loan, and the finance company are therefore jointly responsible for the vehicle and have more clout.

As an example we purchased a settee from Furniture Village on 0% finance and the recliner developed a fault after 18 months. We contacted FV who examined it, blamed us and offered us £300, and wouldn’t budge. After 6 weeks of talking to them, we contacted finance company. Two weeks later we got a phone call from FV to arrange the delivery of our brand new replacement settee.