What are amounts for credit card liability?

I read that Section 75 of some law means a credit card issuer must protect purchases over ?100 for free, so if there's a problem you can get your money back.
Is there no other guarantee for purchases under ?100?
I vaguely seem to recall there was a ?25 or ?30 limit for some other guarantee but that was a long time ago.
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pamela

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It's the Consumer Credit Act 1974. Originally the threshold was £30 but it has since been increased to £100.
The Distance Selling Regulations provide protection for all purchases made online, but only for a limited period.
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Les

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On 09:33 8 Dec 2015, Big Les Wade wrote:

If I bought something online for ?40 and I ended up in a dispute with the vendor or he went bankrupt then the credit card company would not offer me any compensation. Is this correct?
I make a lot of low value purchases online which are for ?10 or less. Would PayPal or some other alternative to a Visa/Master offer protection for these?
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pamela

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Why worry if you make a lot of purchases at that sort of price? Surely most of them go through OK, the odd one that fails is hardly worth the bother of chasing.
I buy quite a lot of stuff direct from China via AliExpress and eBay, lots of it (most in fact) is of the 'less than £10' variety. I've had virtually no failures, there was one set of step-down DC-DC converters that was bad but, although I could have complained and probably got my £2.50 back, it really wasn't worth the hassle.
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Chris Green
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On 15:10 8 Dec 2015, wrote:

As an aside, I wouldn't buy a cheap item from China because I don't think it's worth letting them have my credit card number. It's not the loss of a pound or two that bothers me but the hassle of straightening out fraudulent transactions which may start appearring on my account.
On the other hand, if I spend ?40 then I do want my money back if there is a problem.
I very rarely use my PayPal account but I hear people say it offers good preotection when buying on eBay. I would like to know about non-eBay purchases with PayPal. Any info?
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pamela

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"pamela" wrote

Buy it on eBay and pay by PayPal - there's no need for them to have your card details.
John.
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but PayPall will
do you trust them not to make new debits to your card on the say-so of the retailer?
(I don't, perhaps that view is ill-founded?)
tim
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AliExpress is a reputable web site much like eBay with most of the same protections.

Yes, so would I, I've not had any issues with the one or two eBay purchases that have gone awry. Either got a replacement or a refund. I use PayPal wiuth eBay.

I'm just beginning to use my PayPal account more, more sites seem to accept PayPal and it does make things simpler and also means that my card details aren't spread around more web sites. So far nothing has needed returning/refunding.
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On 08/12/2015 18:25, snipped-for-privacy@isbd.net wrote:

You don't get the legal protection for items over £100 if you pay by CC by way of a third party such as Paypal.
For items under £100 paying Paypal by credit card may be the better option but for items over £100 a direct payment to the seller by credit card may/will be better if thinks go wrong
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mailto: news admac {dot] myzen co uk

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On 20:56 8 Dec 2015, alan_m wrote:

Doesn't PayPal offer any protection of its own?
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pamela

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wrote:

only if you jump through a hundred hoops whilst standing on one leg and whistling mcginty's goat
Or so it seems, anyway
tim
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On 08/12/2015 21:52, pamela wrote:

Not in UK law. They may give you a refund but they are not legally obliged to do so. In addition if you sell on Ebay you may be treated as a trader with different rules regarding refunds.
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snipped-for-privacy@isbd.net wrote:

Except for the fakes they sell,I got a lenovo phone with a Sn 0123456789abcdef. and two IMEI numbers that were not listed but the phone worked, sort of.

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On 01:05 9 Dec 2015, F Murtz wrote:

I had never heard of Ali Express until this thread but the reviews are not encouraging. While some users seem very pleased, the vast majority are not. See http://www.trustpilot.com/review/www.aliexpress.com

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pamela

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Well I've had no problems over quite a few years using AliExpress.
I buy mostly electronics bits and pieces (components, small assemblies, etc.), the only failure I have had on that front was (as I said) some DC-DC step down converters.
I have also bought brake disks (excellent), bilge pumps (quite OK), dressmaking material (same as anywhere), and various testing equipment such as a cable tracer.
Purchases go back to 2012 or so looking at my E-Mail records.
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Chris Green
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Exactly like eBay then! :-)
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Chris Green
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People can commit fraud anywhere. A dishonest employee in the UK is just as likely to steal your credit card details as one in China.
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wrote:

That seems most unlikely
It's going to be much easier for an outside agency to persuade an operative in a low cost country to "steal" for them than it is in a high wage country.
And AIUI it is the organised schemes that are the main los of data not the lone-wolf
tim
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On Sat, 12 Dec 2015 09:43:03 -0000, "tim....."

That's not my experience. In 35 years of living in Asia I've had my credit card used fraudulently just twice. I have friends in the UK who have had their card details stolen in petrol stations and restaurants there at least as often as that.
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On 06:23 13 Dec 2015, Chris in Makati wrote:

After the first year in Asia (China?) you were probably more savvy, took precautions and assessed who you dealt with. On the othe rhand, a UK based buyer of goods from China are not able to take such precautions.
Furthermore it is unlikely you were buying as many mail order goods as people do today. Certainyl not over the Internet which is better than a catalogue at masking the other party.
Quite apart from that, credit card fraud has risen markedly since 35 years ago.
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