paying someone BACS via credit card

[TheDogsNads]

I don't know if a service like Billhop will help. You use them to pay into a bank account but the money comes off your credit card. I don't know if that means you do/don't get section 70 protection for the transaction.

No it wont because this billhop is an intermediary. It's the same with Paypal if you have cash in your PP account and use a credit card to pay for something. S75 doesnt protect you in that instance.

[TheDogsNads]

So...

Last week I got scammed by some cowboy roofers, over 4k and I now have a badly leaking roof. I didn't act until it was too late. Caused no end of stress, actually lost weight.

Anywho, I paid the cowboys by BACS (yes, I know, I know), so trying to get it rectified it's going to cost another 4.5k to sort and this time (hey the brain cells have kicked in) I want to pay on credit card but new roofer only has Bank details, just spoke to my two cc companies there is no way of doing this.


Is there any way of insuring myself?

qh

Essentially no. What you're talking about would technically be a 'money transfer' to a credit card company and seeing as it isnt your bank account the money is going to, I dont think they'd do it. Neither would a 'cash advance' cover you because once you got the cash, you arent covered for what you spend it on.

You'd either have to find a builder who takes credit card payments or one who'd accept payment via Paypal. Either case, pretty rare Id say.

[Paralytic]

This ^

We are getting our whole roof replaced in October and only paying once all done and happy.

This ^

But I think its also fair for you to pay for any materials once they appear on site.

[MrButton]

Pay when the job is finished and signed off


Sent from my iPhone using Contractor UK Forum

This ^

We are getting our whole roof replaced in October and only paying once all done and happy.

[ladymuck]

You don't - it's the same with paypal - section 70 disappears if the people you are paying don't take the payment directly...

That's the bit I wasn't sure about

[LondonManc]

Staged payments for building projects or GTFO.

[eek]

I don't know if a service like Billhop will help. You use them to pay into a bank account but the money comes off your credit card. I don't know if that means you do/don't get section 70 protection for the transaction.

You don't - it's the same with paypal - section 70 disappears if the people you are paying don't take the payment directly...

[quackhandle]

I don't know if a service like Billhop will help. You use them to pay into a bank account but the money comes off your credit card. I don't know if that means you do/don't get section 70 protection for the transaction.

Cheers LM, will check this out.

qh

[ladymuck]

I don't know if a service like Billhop will help. You use them to pay into a bank account but the money comes off your credit card. I don't know if that means you do/don't get section 70 protection for the transaction.

[GhostofTarbera]

Pay when the job is finished and signed off


Sent from my iPhone using Contractor UK Forum

[eek]

So...

Last week I got scammed by some cowboy roofers, over 4k and I now have a badly leaking roof. I didn't act until it was too late. Caused no end of stress, actually lost weight.

Anywho, I paid the cowboys by BACS (yes, I know, I know), so trying to get it rectified it's going to cost another 4.5k to sort and this time (hey the brain cells have kicked in) I want to pay on credit card but new roofer only has Bank details, just spoke to my two cc companies there is no way of doing this.


Is there any way of insuring myself?

qh

Find another set of roofers who will accept credit card payments....

[quackhandle]

So...

Last week I got scammed by some cowboy roofers, over 4k and I now have a badly leaking roof. I didn't act until it was too late. Caused no end of stress, actually lost weight.

Anywho, I paid the cowboys by BACS (yes, I know, I know), so trying to get it rectified it's going to cost another 4.5k to sort and this time (hey the brain cells have kicked in) I want to pay on credit card but new roofer only has Bank details, just spoke to my two cc companies there is no way of doing this.


Is there any way of insuring myself?

qh