Credit cards liable for faulty goods

Consumers who are sold faulty goods have reason to celebrate thanks to rulings, published by the Financial Ombudsman Service (FOS), confirming that where retailers refuse to refund or replace, shoppers paying by credit card can claim from their lenders instead.

The protection is offered by Section 75 of the Consumer Credit Act, which states that the card provider jointly and severally liable for any purchase made using its products.