Barclaycard Avios and S75 cover

[Misty]

I’ve noticed on here that one of the recommended ways to max your Avios it to persuade your friends/family to let you buy large purchases on your card on their behalf.

My son is wanting an expensive TV and is kindly allowing me to put it through my Barclaycard, but I was wondering if I use a card that is attached to my home address, rather than his, would that mess things up if for any reason we need to do a S75, I can’t think that we will, but thought it best to ask?

[JDB]

@Misty – while it’s not the precise legal position, s75 is effectively a personal right. If you buy a ticket for an adult child, you/they have no s75 cover whereas you would for yourself and it’s generally accepted that it also applies to your dependants but not necessarily a co-habitee. Equally a supplementary cardholder doesn’t have s75 on their purchases unless made for the primary cardholder.

In respect of the TV therefore, the purchase would need to be in your name and any subsequent s75 claim made in your name and possibly a different delivery address might cause confusion but doesn’t need to be terminal.

More broadly, I really wouldn’t expect to need s75 cover for a TV and I’m of a cautious disposition. While appreciating that price is going to be a key driver of choosing a supplier, with or without s75 I would be looking to buy the TV from a retailer that will respect your/your son’s consumer rights and ultimately, you do have rights vs the manufacturer if necessary so I wouldn’t be concerned about the credit card protections. John Lewis is supposed to be reverting to its ‘never knowingly undersold’ policy!

[Misty]

Thank you so much for your swift reply JDB. I thought that might be the case if I purchased on my card and anything went wrong I wouldn’t be able to open a claim due to the mismatch in addresses. The TV is probably going to come from Curry’s rather than John Lewis, but I will have a quick look and see if JL do the same model at a competitive price, £230 of the costs are for delivery, a bracket and wall mounting, which I assume wouldn’t be covered anyway, I will still probably put it on my card, as you say he will have all the normal consumer rights anyway. It’s OLED whatever that might be. Thanks again.

[JDB]

Curry’s would be fine as well (and they are on the BA eStore), just not Terry on eBay with a cheap telly.

A friend has an OLED TV that cost £5k but I can’t really tell the difference from a £600 one. He claims it makes watching F1 a different experience…

[Misty]

JDB wrote:

Curry’s would be fine as well (and they are on the BA eStore), just not Terry on eBay with a cheap telly.

A friend has an OLED TV that cost £5k but I can’t really tell the difference from a £600 one. He claims it makes watching F1 a different experience…

The Terry on eBay made me laugh. I’m of the same opinion as yourself regarding the difference in quality of the cheaper to the more expensive, however my TV is virtually gas powered so I don’t think my son is going to take much notice of me. He does watch F1 so maybe that’s the difference.

[NorthernLass]

@Misty, our telly is on its way out, I recall it was bought when Tesco were offering 2000 Clubcard points on electrical purchases over £XXX so it must be a while ago! It DID get used an awful lot during the pandemic, I have to admit, lol.

MUST remember to go via the estore for any replacement …

[Kuestrian]

JDB wrote:

More broadly, I really wouldn’t expect to need s75 cover for a TV and I’m of a cautious disposition. While appreciating that price is going to be a key driver of choosing a supplier, with or without s75 I would be looking to buy the TV from a retailer that will respect your/your son’s consumer rights and ultimately, you do have rights vs the manufacturer if necessary so I wouldn’t be concerned about the credit card protections. John Lewis is supposed to be reverting to its ‘never knowingly undersold’ policy!

Samsung mis-sold their 2016 TVs by not delivering on the promise of providing a SmartHub when they came out later in the year. Currys and JL were flat-out refusing to accept returns on that basis and many customers had to revert to S75 protections to get them to do so. Amex were particularly good in that regard, MBNA less so (as I think we’d all expect).

Worthy note to Richer Sounds who did adhere to consumer protections and accept the returns. Samsung and Currys should be avoided at all costs.

[AndrewT]

JDB wrote:

A friend has an OLED TV that cost £5k but I can’t really tell the difference from a £600 one. He claims it makes watching F1 a different experience…

Well it would certainly make it a different experience for me – I’d be spending so much time thinking about the £5K I’d spent on the TV that I’d have no clue what was happening in the race!

[Misty]

@NorthernLass I’m pretty certain we bought ours in 2010, trouble is there is nothing really wrong with it and my parents drilled into me that you only buy new when anything old actually breaks, I know that is now a wildly old-fashioned view.

@AndrewT, I don’t think my son will be buying in the 5K price bracket, but I am happy to take a small pot of Avios as opposed to nothing. I was really asking as I don’t want to negate any guarantees etc.

Has the edit button disappeared?

[NorthernLass]

@Misty, I’m still using some of the Denby sets we got as wedding presents nearly 30 years ago! The cat gets her food in the chipped bowls 😂

*Once you post, the edit button seems to reappear.

[Misty]

NorthernLass wrote:

@Misty, I’m still using some of the Denby sets we got as wedding presents nearly 30 years ago! The cat gets her food in the chipped bowls 😂

*Once you post, the edit button seems to reappear.

Phew ! It’s not just me then. Although we aren’t as frugal as someone I overheard in the pub once (this was a few years back) saying that had only had 2 telly’s since the war.

[Misty]

Kuestrian wrote:

JDB wrote:

More broadly, I really wouldn’t expect to need s75 cover for a TV and I’m of a cautious disposition. While appreciating that price is going to be a key driver of choosing a supplier, with or without s75 I would be looking to buy the TV from a retailer that will respect your/your son’s consumer rights and ultimately, you do have rights vs the manufacturer if necessary so I wouldn’t be concerned about the credit card protections. John Lewis is supposed to be reverting to its ‘never knowingly undersold’ policy!

Samsung mis-sold their 2016 TVs by not delivering on the promise of providing a SmartHub when they came out later in the year. Currys and JL were flat-out refusing to accept returns on that basis and many customers had to revert to S75 protections to get them to do so. Amex were particularly good in that regard, MBNA less so (as I think we’d all expect).

Worthy note to Richer Sounds who did adhere to consumer protections and accept the returns. Samsung and Currys should be avoided at all costs.

Apologies I missed your post. I think it is a Samsung that he is after so will check it out.

[Kuestrian]

After getting burned by Samsung on that, and the appalling picture quality, I learned many lessons and haven’t looked back since moving to LG TVs as they are night-and-day different from Samsung.

Richer Sounds get my business now for A/V kit, and have also been superb. I haven’t had cause to use Amex for an S75 claim thankfully!

[TooPoorToBeHere]

All the TV-watchers in the house seem very happy with the cheapo Hisense. It was absurdly cheap and has Roku built in so all the streaming services Just Work after the very annoying hour of setup after purchase, signing the TV-watchers’ accounts in to all of them.

Key thing is to check hotukdeals before buying, and read the comments. There are often substantial savings from (eg) retailers’ ebay outlets with ebay voucher offers. The hotukdeals comments are very useful for recommendations in general.