Credit card insurance covers faulty breast implants

| March 14, 2012 | 0 Comments
Credit card insurance covers faulty breast implants

Lloyds TSB has refunded the £3,700 cost of a woman’s breast implants after they ruptured.

The woman, who is in her 40s and lives in the Midlands, had the implants in 2008 at a private firm which later went into administration. .

She consulted a breast cancer clinic in September 2011 after she found a lump, and was told by the clinic that the implants had ruptured.

After discovering that the implants could pose a health risk, she had them removed by the NHS in October.

As she had paid for the implants with a credit card the woman applied to Lloyds TSB for a refund and received the full amount three months later after filling in just one form.

Her implants had been manufactured by the French company Poly Implant Prothese (PIP) which was at the centre of a scandal after it was found to have used industrial grade silicon in its products.

The inferior grade silicon, which was meant to be used in mattresses, had not passed safety tests for use in the human body.

Implants containing the silicon were found to be greater risk of rupturing and causing pain.

Around 40,000 women in the UK have had PIP breast implants and many private clinics are refusing to replace them free of charge.

The British Association of Aesthetic Plastic Surgeons (BAAPS) said Lloyds TSB’s action in refunding the cost of the faulty implants offers a “ray of hope” to other patients.

Credit card firms are required to refund the cost of faulty goods under Section 75 of the Consumer Credit Act.

Under the law, when a purchase has been made with a credit card, the card provider is liable, along with the retailer, for a breach of contract, such as occurs when goods are sold which are not fit for purpose.

Tags: breast implant, Consumer Credit Act, credit card insurance, credit card refund, , PIP, Poly Implant Prothese

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