I want to share a personal experience and encourage everyone to always pay with a credit card if the goods are over £100, no matter how big or small the retailer.
I'm sure there are many people out there like myself who don't like spending what they don't have and would normally avoid a credit card. Perhaps for reasons involving morals, religion or lack of awareness even. This may convince you to think again.
I recently got a credit card for the very first time. Only for use overseas when on holiday as this particular one doesn't have any of the foreign exchange fees I would normally be hit with when using an ATM or buying in a store.
I purchased new bathroom furniture from a nationwide bathroom store (PM if you want their name). These people have more than a dozen 'superstore' sized branches, an amazon and an ebay outlet too and seem very reputable.
As luck would have it, my debit card was blocked for some reason so I had no choice but to use my credit card domestically for the first time ever.
The items arrived 2 weeks before my plumber.
When the plumber opened them, some of the units were smashed.
The retailer after looking at photos acknowledged the goods were damaged but advised their policy is you must report damaged goods or make claims within 7 days of receipt of the goods.
I advised them about the consumer rights act 2015, but they stated via email that their terms & conditions take precedence and they won't be assisting me further.
I went to my bank (PM me if you want to know which bank and which credit card) and they were amazing.
They were sympathetic, took details and made contact with the retailer.
As I understand it, the retailer cited their T&cs to the bank and refused to budge.
The bank today refunded me all of the money. This took under 3 weeks from contacting the bank to make the so called section 75 charge back claim.
The bank further advised that the money is coming from them and not the retailer.
The retailer is refusing to pay the bank or to cooperate.
The bank said they are unlikely to push the retailer as the sum (around £1200) is too low to be worth their time pursuing.
I will be out of pocket a bit as I will need to get the plumber back, but am overall happy with this speedy resolution, all because I was forced to use my credit card. I do not think I would have got anywhere if I'd been able to use my debit card.
Also, trading standards team seem to be not contactable in my town; in the town of the store nor in the town of the retailer's H.Q. - apparently have to go through Citizens Advice Bureau who weren't very helpful (kept telling me to keep writing to the retailer and citing consumer rights act 2015).
TL;DR version - always buy with a credit card, even if the retailer is large or looks reputable. You can always immediately transfer funds from your current account after you've made the credit card purchase if it's principal or something that's stopping you currently.
I hope this is of help to some of you. Hopefully posted in the correct place?