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ARTICLE · 12 AUGUST 2009

The Credit Card Conundrum

Penningtons Manches Cooper
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Will the decision of Office of Fair Trading v Lloyds Bank open the floodgates for compensation claims for accidents abroad against credit card suppliers?

United KingdomConsumer Protection
Hannah Wilson
Hannah Wilson

Will the decision of Office of Fair Trading v Lloyds Bank open the floodgates for compensation claims for accidents abroad against credit card suppliers?

In light of the position of Office of Fair Trading v Lloyds Bank [2008] [1 All ER 2005], a holidaymaker may pursue a compensation claim against his or her credit card supplier in the UK, if an accident occurs during the course of part of the holiday which was paid for by credit card.

This principle only extends to the holidaymaker who paid for the holiday on their credit card. It will not, for example, therefore be possible for family members to claim against the credit card supplier for injuries and losses resulting from an accident abroad - it is instead only the card holder who may make a claim.

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