The Importance of Choosing a Trustworthy Shutter Company
Protecting Your Purchase with Section 75
In recent years, the shutter industry has seen a surge in demand as homeowners look to enhance their interiors with stylish and functional window treatments.
However, this increased demand has also led to unfortunate incidents where consumers have lost money and failed to receive orders due to companies going out of business.
Two notable examples in Scotland are City Blinds & Shutters and Zone at Home: both ceased trading, leaving customers without their shutters and their deposits unrecovered.*
At The Scottish Shutter Company, we are deeply concerned about the distress and financial loss these consumers have experienced.
As a longstanding, reputable business nearing 40 years in operation, we want to ensure your investment with us is secure when you choose us for your shutter needs.
The Risk of Non-Members of the BBSA
One significant factor contributing to these unfortunate situations is that these shutter companies were not members of the British Blind and Shutter Association (BBSA). The BBSA is the only UK trade association for companies that manufacture and supply blinds, awnings, and shutters.
Membership is a mark of quality and reliability, as members must adhere to a strict code of practice.
Choosing a BBSA member, like The Scottish Shutter Company, ensures you are dealing with a reputable and trustworthy company committed to high standards.
The Protection of Section 75
To further safeguard your purchase, it’s essential to understand the protections offered by Section 75 of the Consumer Credit Act 1974. This legislation provides robust security for UK consumers when they make purchases using their credit cards, covering goods or services costing between £100 and £30,000.
Here’s how Section 75 works and its benefits:
- Joint Liability: If you purchase goods or services using a credit card, the credit card company is equally liable with the seller if something goes wrong. This means you can claim a refund from the credit card company if the goods are faulty, not delivered, or if the seller goes out of business.
- Purchase Value: Section 75 covers items costing between £100 and £30,000, even if only part of the payment is made with a credit card. This protection extends to high-value purchases such as shutters, providing peace of mind.
- Direct Claims: You can claim directly with the credit card company without pursuing the retailer first. This simplifies the process of getting your money back if an issue arises.
- Security Against Business Failures: If a retailer goes bankrupt before delivering the goods, the credit card company must refund the consumer, ensuring you do not lose your money.
- Faulty Goods or Services: If the products are not as described, damaged, or faulty, Section 75 allows you to claim a refund.
How to Claim Under Section 75
- Contact the Retailer: Initially, try to resolve the issue with the retailer. If they are unresponsive or unable to resolve the issue, proceed to the next step.
- Credit Card Provider: Contact your credit card provider, providing evidence of the purchase, the problem, and any communications with the retailer.
- Financial Ombudsman Service: If the credit card company rejects your claim, you can escalate the complaint to the Financial Ombudsman Service for further assistance.
Limitations of Section 75
- Not All Cards Covered: Section 75 applies to credit cards but not to debit or charge cards.
- Linked Transactions: It covers linked transactions, such as buying a flight and hotel together, but might not cover separately purchased components of a trip.
- Partial Payments: Even if you only put a deposit on the credit card, you’re still protected for the entire purchase amount.
Trustworthy Shutter Company
At The Scottish Shutter Company, we have always prioritised the security and satisfaction of our customers.
Our payment terms are straightforward and designed to protect your investment. We take a 50% deposit after a home survey and once you have received a comprehensive quote.
The remaining balance is due seven days before installation.
Our track record speaks for itself. We are proud winners of multiple awards, including twice being recognised as “Best Plantation Shutter Installation in the UK.”
Our Technical Director, David D’Ambrosio, is the Immediate Past President of the BBSA, highlighting our commitment to excellence and industry standards.
Customer Reviews and Financial Stability
Our numerous positive customer reviews reflect our dedication to delivering high-quality products and exceptional service.
Unlike the unfortunate cases of City Blinds & Shutters and Zone at Home, we are a financially stable and expanding company. Our growth and success are built on nearly 40 years of reliable service and customer satisfaction.
Conclusion
While the shutter industry has seen some unfortunate business failures, choosing a reputable and reliable company is crucial to ensure your investment is secure.
Selecting a BBSA member and using your credit card for purchases can significantly reduce the risk of financial loss.
At The Scottish Shutter Company, we are committed to providing you, our customer, with high-quality shutters, blinds, and peace of mind, knowing your purchase is protected.
If you have any further questions or concerns, please do not hesitate to contact us. We are here to help and ensure you have a positive experience from start to finish.
For more information or to schedule an appointment, please call us at 0800 086 2989.
* The Glasgow Times reported on this on 26th June 2024.
Reference: Author – Ava Whyte – 26th June 2004 – The Glasgow Times – Available at
https://www.glasgowtimes.co.uk/news/24414107.blinds-firm-showroom-glasgow-ceases-trading/
