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How does the Consumer Credit Act protect you when you buy a car?

If you've bought a car – even just in part – with a credit card, the Consumer Credit Act may help if there's a problem.

Words by: First published: 24th July 2015
Under Section 75 of the Consumer Credit Act 1974, as long as you paid at least a part of the cost (between £100 and £30,000) of your car by credit card, you are protected for the full amount. So, for example, if you buy a car and the company from whom you bought it goes bust before the car can be delivered, you’re covered for the full amount.

If you have a complaint under this act, there are no general rules about how to go about it, other than the fact that your first port of call is the credit company. Instead, each company will have its own internal procedures to follow, so you should find out what they are and follow them.
Related topics:
Buying a car - your rights