I have a solar water heating system on my roof which was installed in 2006. It was paid for using a credit card. It has never performed to anywhere near the levels predicted by the installation company which subsequently has gone into liquidation. A friend recently suggested that the credit card company were bound to compensate for a sale gained by creating false expectation. When I contacted the credit company they denied any liability. Are they correct?
Country/State/Province of question: UK - Wales
I have written to the Credit Card Company (Natwest visa)
HiThank you for your question and welcome to Just Answer. I will try to help with this. Please RATE my answer OK SERVICE or above.when did you buy?
As I said, 2006. Deposit was paid in Dec 2005, roof stage payment March 2006 and final installment with payment Jyuly 2006.
If you used it to pay for an amount over £100 then there would be joint and separate liability of your credit card company.However, time barring is an important issue in this case. You are almost out of time now to pursue you contractual rights at all. The period will run from the date of the last payment which would be July 2006. That will mean that you only have until July 2012 to bring a claim against them and that means actually lay a complaint at court. If you don't act then you will be out of time and your chances of getting it extended are low.Obviously this doesn't necessarily mean that your complaint will succeed. That will depend on the strength of your argument that the solar panels under perform such that there was misrepresentation or misdescription of the goods. But if you don't act next month then you will be out of time.Sorry thats probably not the answer you wanted but it is the position that you have and I have a duty to give you truthful and accurate information even though its not what I want to say.Please rate my answer with OK SERVICE or more and then I will continue for free.
Bar Exams, over 5 years in practice.
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