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  • FIRST POST
    • MSE Andrea
    • By MSE Andrea 27th Mar 13, 2:23 PM
    • 8,879Posts
    • 21,291Thanks
    MSE Andrea
    0 WOW
    Topcashback Questions & Answers
    • #1
    • 27th Mar 13, 2:23 PM
    0 WOW
    Topcashback Questions & Answers 27th Mar 13 at 2:23 PM
    MSE Additional reading:

    You might like to read our latest Cashback sites news story: Are you a cashback site loser?

    Back to the original post...

    Hi everyone,

    If you have a question you'd like to ask cashback website Topcashback directly, post your question below and it will try to answer. If you want to discuss other cashback sites then please start a separate thread if there isn't one already.

    Please remember referral links are not permitted. If you want to post a referral you can do it on the Topcashback referrals thread.
    Last edited by MSE Andrea; 27-10-2015 at 9:51 AM.
    Could you do with a Money Makeover?


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Page 200
    • B_M
    • By B_M 9th Jan 18, 4:03 PM
    • 642 Posts
    • 477 Thanks
    B_M
    @B_M - Looking into your account today I can see that your Endsleigh transaction is payable now and so I do hope you enjoy this cashback.

    We always look to improve and I have passed over your comments about making the note standard note clear in regards to average payment speeds. This will be reviewed and should we believe we can make this clearer we will do this.
    Originally posted by TopCashBack Company Representative
    I didn't want to mention Endsleigh on here yet, but as you have named it, yes that's the merchant.
    This is and was a TCB issue and a one that needed a fight, despite the misleading promotional notes. No apology, but that sums up TCB now!
    Review the info? Are you having a laugh?
    Please re-read the TCB 'mission statement' and get your hierarchy to do the same. If that's no longer valid, or simply there to mislead, please remove it!

    Honesty & Integrity
    As part of the Fair Play philosophy, we aim to be honest and act with integrity at all times.
    At all times, yes that's what it states!

    Anyway, this one is closed and Endsleigh have already made contact and I advised them to deal with TCB until the 15th January. Maybe they have had an influence?

    Now then, I have another financial product purchase sitting at 'pending'. This also has no payment stats, but the pre-purchase notes mirror that of Endsleigh.

    Unless otherwise stated expect transactions for this retailer to appear within 24 hours. Transactions are usually confirmed within a month and should become payable within 30 - 60 days after the event date, unless otherwise indicated on the Avg Payment Speed Statistics.
    (screenshot taken)

    Post-purchase info states 36 weeks!
    See where I'm coming from?
    Yes, no doubt I'll be back soon and pointing out the TCB 'mission statement', if that statement hasn't been scrapped.
    It's in TCB's court, see if they can act with 'honesty and integrity'.
    Or, are TCB out there to mislead and cheat members? Stronger words could be used, believe me.

    A positive, TCB do normally approve their 'Highest Cashback Guarantee' and add the appropriate top-up, whether that's 1% or 5%. But, they do state they will beat any higher rate, not just match it!
    With the 5% top-up being devalued now, that's important as at this present time. The best time to buy from TCB, especially as a 'Plus' member, is when TCB have the lower rate. As rates have dropped recently, this comes into play more often.

    I'll never forget the guy who used to post on the old TCB forum.
    Quote - 'Topcashback are going downhill faster than a skier on amphetamines'.
    Tounge in cheek? Or was it?

    That's it, see you soon.
    Last edited by B_M; 09-01-2018 at 4:10 PM.
    No payments from financial products from cash back sites? Put in a complaint direct and if they don't resolve your issue, head straight to the financial ombudsman - it costs the company £550 in referral fees, win or lose.
    • grumbler
    • By grumbler 9th Jan 18, 6:39 PM
    • 51,391 Posts
    • 21,762 Thanks
    grumbler
    @grumbler – Unless you what a physical love 2 shop voucher you will need to use the new Reward Wallet function to pay out your cashback.

    It is true that once you may put via Reward Wallet you can pay out all your cashback through any of the vouchers included within it. One of the advantages of reward wallet is you can pay out your cashback into whole numbers so if you had £10.50 and you only wanted a voucher for £10 while leaving the 50p in reward wallet for a different voucher, you can do that.

    Once you have transferred your money into Reward Wallet it is locked there and can not be returned to your account.
    Originally posted by TopCashBack Company Representative
    Thank you, but do you or anybody else in your company realise that your 'New' Reward Wallet is a disaster?

    • I have ~20 amounts in my 'Part payout' list - and I have to check each one individually whether it's eligible for transferring to the wallet and to write this down on a piece of paper(!).
    • And before starting checking I have to un-tick each amount in the list as there is no option for selecting/deselecting them all in one go - as it has to be for any long list with check boxes.
    • And every time after I check some amount for eligibility the 'Part payout' list collapses and I have to open it again. Was it too hard for each amount in the list to show whether it's eligible or not - as it used to be before your 'improvement'?
    What crazy web designer created all these ridiculous hoops to jump through?
    Last edited by grumbler; 09-01-2018 at 6:54 PM.
    We are born naked, wet and hungry...Then things get worse.

    .withdrawal, NOT withdrawel ..bear with me, NOT bare with me
    .definitely, NOT definately ......separate, NOT seperate
    should have, NOT should of
    .....guaranteed, NOT guarenteed
    • yellow44
    • By yellow44 10th Jan 18, 2:15 PM
    • 46 Posts
    • 33 Thanks
    yellow44

    A positive, TCB do normally approve their 'Highest Cashback Guarantee' and add the appropriate top-up, whether that's 1% or 5%. But, they do state they will beat any higher rate, not just match it!
    With the 5% top-up being devalued now, that's important as at this present time. The best time to buy from TCB, especially as a 'Plus' member, is when TCB have the lower rate. As rates have dropped recently, this comes into play more often.

    Originally posted by B_M
    TCB rep can you confirm that the above statement from B_M is correct and that you do BEAT and not just match any higher rate with your Highest Cashback Guarantee.

    This is what you state on your Classic v Plus comparison page (below)

    TopCashback Plus Comparison
    Our Plus and Classic membership levels are designed to help you maximise your cashback savings, enabling us to offer you the highest rates of cashback around, and letting you choose an account that’s suited to you.

    By joining or upgrading to Plus membership, you’ll get access to all of the exclusive benefits below in exchange for up to £5 of your annual cashback earnings.
    TopCashback Account Types
    Classic Plus
    Cashback bonus typically added to all transactions
    1% 5%
    Tell-a-Friend bonus for referring your friends
    £10 £15
    Payout bonus when withdrawing your cashback
    Up to 5% Up to 10%
    Get cashback up to 8 weeks quicker from 2,000 Faster paying merchants

    Highest Cashback Guarantee - we'll beat higher rates found elsewhere


    That reads to me that a classic member gets a 1% top up and a plus member 5% top up with your HCG as suggested by B_M

    I would just like to know that it is accurate and still up to date, thanks
  • TopCashBack Company Representative
    Hi Everyone,

    @B_M – Other members of the team are aware of your views and as I mentioned we will take them onboard.

    We have reviewed your account personally and have decided that we do need to make some changes to our communication with you.

    As you are aware, you have earned many thousands of pounds through using our service, It is, therefore, unfortunate that you do not believe the service we provide through this forum lives up to your expectations. Albeit, you continue to use us on a frequent basis.

    Going forward we will not be responding to your comments made on this forum. It is taking up a lot of time to explain the same things which is preventing our ability to assist our other members. Therefore, please can we request that you keep your queries through the official process of support ticket.

    @grumbler – It’s is disappointing to hear you don’t like our new reward wallet scheme. We have had a huge amount of positive reaction to this. It was created in order to lift barriers from members not being able to split up their cashback and to pay out exactly how much they wanted.

    However, we also understand with such a big change we might be able to further improve it to make it better and clearer and so we are always listening to see how members find using it and whether we can improve it.

    When using part payout it should tell you within the action part payout check list which ones can’t be paid out through reward wallet. I am going to raise with our team immediately that it is not to try and get this sorted for you.

    In the meantime, if you drop me an email to mse@topcashback.co.uk I will happily break your transactions down into what can and cannot go into reward wallet so you don’t have to create your own list.

    In addition, you can untick/tick as much as you like and then click on recalculate at the bottom. You do not have to do this after ticking or unticking one transaction.

    @yellow44 – If we do not have an exclusive rate top up does typically apply and so we will indeed beat the rate through the highest cashback guarantee and you will then get any relevant top up on top.

    In addition, I will get the team to check over that page to ensure if necessary, that it is updated as soon as possible.

    Best wishes,
    Matt
    Official Company Representative
    I am the official company representative of TopCashBack. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"
    • B_M
    • By B_M 10th Jan 18, 3:09 PM
    • 642 Posts
    • 477 Thanks
    B_M
    TCB rep can you confirm that the above statement from B_M is correct and that you do BEAT and not just match any higher rate with your Highest Cashback Guarantee.
    Originally posted by yellow44
    I've never really had an issue with the TCB 'Highest Cashback Guarantee'.
    The 'guarantee' part is, they will 'beat' any higher cashback amount listed elsewhere, not 'match' it.
    Basically, if a member is a 'basic member', they would achieve the matched rate and have a 1% top-up added - that's what 'beats' the other higher rate.
    A 'Plus member' gets the higher rate matched and then a 5% top-up is added. Again, this 'beats' the rate.

    I stated a few posts back that TCB are paying well below the 100% rates now on many merchants (in my opinion they are no longer a 100% cashback site), hence the importance of the HCG.

    Aviva (home insurance) was my last claim.
    As I stated, TCB only give £42 for 'Plus members' and even less at £40.40 for 'basic members'.
    Quidco advertise a £50 flat rate and the 'Daddy' is Imutual at £61.20, this is what I got matched and beaten.

    Basically, my Aviva is now showing at £64.26 (screenshot taken).
    £61.20 + 5% (£3.06) = £64.26 - that is 100% correct and as expected and honoured.

    Hope that helps. But yes, TCB do claim to 'beat' any higher rate, not 'match'.
    Still poorer than Quidco, who double the difference on many rates, but not all.
    Last edited by B_M; 10-01-2018 at 3:20 PM.
    No payments from financial products from cash back sites? Put in a complaint direct and if they don't resolve your issue, head straight to the financial ombudsman - it costs the company £550 in referral fees, win or lose.
    • B_M
    • By B_M 10th Jan 18, 3:18 PM
    • 642 Posts
    • 477 Thanks
    B_M

    Going forward we will not be responding to your comments made on this forum. It is taking up a lot of time to explain the same things which is preventing our ability to assist our other members. Therefore, please can we request that you keep your queries through the official process of support ticket.
    Originally posted by TopCashBack Company Representative
    When TCB purchase MSE, they can decide who posts and what can be shown.
    Until then, I'll help others to save money, expertly. That's what this site is about.
    TCB did have control of their old forum and did censor many posts and members.
    I advised TCB when they closed that forum that they would open up their issues to a wider audience, which they have.
    If anything I post is wrong, then MSE wouldn't allow it and my posts would be removed. They haven't and that's because they are factually correct. If any are wrong, please advise me. Until then, readers of this thread can be sure, what I post is a fact and true (unlike some of the info on TCB's site).
    Why do I post on here as often? Because I know of TCB's failings and how they treat members.
    Get TCB in order and do as they promote and I wouldn't need to post - very simple.
    I will post and no doubt very soon with another financial issue.
    You don't have to respond, but I'll make others aware of how to get their cashback from misleading marketing.

    EDIT: In fairness, I will try one last attempt with a support ticket if my financial purchase hasn't moved to payable within 60 days of the event (as per pre-purchase notes). Again, I will allow TCB a full 14 days to investigate and hopefully resolve.
    But, if I get the same garbage as I've had from my Endsleigh ticket, I'll go straight away and direct to the merchant. And, I'll report back on here.
    Let's see if there has been any improvement and if the 'mission statement' is finally taken seriously.
    Last edited by B_M; 11-01-2018 at 7:43 AM. Reason: EDIT
    No payments from financial products from cash back sites? Put in a complaint direct and if they don't resolve your issue, head straight to the financial ombudsman - it costs the company £550 in referral fees, win or lose.
    • grumbler
    • By grumbler 10th Jan 18, 6:58 PM
    • 51,391 Posts
    • 21,762 Thanks
    grumbler
    When using part payout it should tell you within the action part payout check list which ones can’t be paid out through reward wallet.
    Originally posted by TopCashBack Company Representative
    I don't understand what "action part payout check list " is.
    If I select randomly several amounts in the "Part payout" list, then click "Recalculate", the only I can see is greyed Reward Wallet - and I don't get any indication what particular amounts are responsible for this (because they are ineligible for the Wallet). So the only way to find eligible amounts is checking them one by one or adding by one to the list containing already found eligible amounts.
    In addition, you can untick/tick as much as you like and then click on recalculate at the bottom. You do not have to do this after ticking or unticking one transaction.
    As I said above, if I untick several amounts from the list (or untick them all and then select randomly several), and the result of "Recalculation" is greyed Reward Wallet, I have no way to know which amount(s) is(are) responsible for this.
    So, without my paper list, the only way is to untick all of them one by one (PITA), then check individually.
    Last edited by grumbler; 10-01-2018 at 7:02 PM.
    We are born naked, wet and hungry...Then things get worse.

    .withdrawal, NOT withdrawel ..bear with me, NOT bare with me
    .definitely, NOT definately ......separate, NOT seperate
    should have, NOT should of
    .....guaranteed, NOT guarenteed
  • TopCashBack Company Representative
    Hi everyone,

    @yellow44 - Just to clarify with our exclusive Aviva rate. We are giving you 100% of the money we are paid. We will look into reports of other sites being able to offer more as it has been agreed that we have secured an exclusive deal with this retailer.

    @grumbler - As mentioned in my earlier post, if there are restrictions on what method you can pay out with with a transaction it should appear next to the transaction when you click on Part Payout (Optional) this is not currently working as expected but should be soon.

    This should make it easier for you to see what you need to untick to be able to pay out via reward wallet.

    Best wishes,
    Matt
    Official Company Representative
    I am the official company representative of TopCashBack. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"
    • B_M
    • By B_M 11th Jan 18, 4:12 PM
    • 642 Posts
    • 477 Thanks
    B_M

    @yellow44 - Just to clarify with our exclusive Aviva rate. We are giving you 100% of the money we are paid. We will look into reports of other sites being able to offer more as it has been agreed that we have secured an exclusive deal with this retailer.
    Originally posted by TopCashBack Company Representative
    Re Aviva Home Insurance.
    For the record and facts which can be viewed, here's a link to the Aviva Home Insurance affiliate marketing rates.
    The 100% rate for joint home insurance (without seasonal or other bonuses) is £60.

    https://ui.awin.com/merchant-profile/3788

    About the Aviva Affiliate Home Insurance Programme

    Below are some key benefits and USP’s for the Aviva Home insurance product, for signed off copy, please see the ‘Specific Terms’ section further down.

    Joint Home insurance sale – £60 commission per sale
    'Content Only' Home Insurance Sale - £20 commission per sale
    'Building Only' Home Insurance Sale - £20 commission per sale
    Make your own mind up.
    No payments from financial products from cash back sites? Put in a complaint direct and if they don't resolve your issue, head straight to the financial ombudsman - it costs the company £550 in referral fees, win or lose.
    • washable
    • By washable 11th Jan 18, 4:39 PM
    • 26 Posts
    • 2 Thanks
    washable
    cashback not paid passed payable date
    I made a transaction on Topcashback for Food to order from M&S. This has yet to be paid and I can see no mention when trying to send a message to them.
    thanks.
    • skylinedude
    • By skylinedude 12th Jan 18, 10:26 AM
    • 6 Posts
    • 6 Thanks
    skylinedude
    Again I have made a couple of purchases through TCB, used one browser to view merchant site and another browser to purchase after clearing cookies etc. Guess what, no cashback showing in my account. Have opened a claim AGAIN. It seems the majority of times that I go through TCB, cashback is not tracked.

    Surely this is illegal just like another member stated previously. I mean, if you went to a shop specically that has a special offer like BOGOF and then they decided once you actually purchased the item in their shop not to honour it, to me that is illegal. TCB pull you in with offers of cashback and then take months and months to apparently chase it, after all that, you get some rubbish excuse that it has been declined.

    Maybe we should look into taking this further down the legal route.
    • bxboards
    • By bxboards 12th Jan 18, 10:45 AM
    • 1,345 Posts
    • 1,052 Thanks
    bxboards
    Again I have made a couple of purchases through TCB, used one browser to view merchant site and another browser to purchase after clearing cookies etc. Guess what, no cashback showing in my account. Have opened a claim AGAIN. It seems the majority of times that I go through TCB, cashback is not tracked.

    Surely this is illegal just like another member stated previously. I mean, if you went to a shop specically that has a special offer like BOGOF and then they decided once you actually purchased the item in their shop not to honour it, to me that is illegal. TCB pull you in with offers of cashback and then take months and months to apparently chase it, after all that, you get some rubbish excuse that it has been declined.

    Maybe we should look into taking this further down the legal route.
    Originally posted by skylinedude
    I rarely have tracking issues.
    If I want to use TCB or Quidco I boot my computer via USB into Linux Mint.
    I open Firefox, uncheck 'block popups', clear cookies. Restart firefox.
    Then go to TCB and click through.

    I find tracking works for me in 99% of cases - there are still a few where tracking fails. Tesco Credit Card and Homeprotect (very annoying as it has a TCB landing page!), but generally too be honest if you have systematic tracking issues, it WILL be your side, not TCB side most of the time.

    Try and see how you get on booting via a dedicated USB key.
    • B_M
    • By B_M 12th Jan 18, 10:52 AM
    • 642 Posts
    • 477 Thanks
    B_M
    Again I have made a couple of purchases through TCB, used one browser to view merchant site and another browser to purchase after clearing cookies etc. Guess what, no cashback showing in my account. Have opened a claim AGAIN. It seems the majority of times that I go through TCB, cashback is not tracked.

    Surely this is illegal just like another member stated previously. I mean, if you went to a shop specically that has a special offer like BOGOF and then they decided once you actually purchased the item in their shop not to honour it, to me that is illegal. TCB pull you in with offers of cashback and then take months and months to apparently chase it, after all that, you get some rubbish excuse that it has been declined.

    Maybe we should look into taking this further down the legal route.
    Originally posted by skylinedude
    I'm not here to defend TCB (no surprise there) as I hate some of their 'practices' and failures.
    But, tracking isn't an issue with myself. I have one issue i expect to be resolved under the TCB 'fair play policy', but that's another story.
    Frustrating yes, that's why I prefer point of purchase discount codes (check the various sites).
    I'd suggest trying out some of the no purchase offers and see if you can get to the bottom of things.
    I use Chrome now most of the time, but have also used Firefox and Edge (which I hate) in the past
    Is it the same merchant that's causing issues?
    Wilko for example was a problem with TCB.
    Owners Direct is a disaster!
    Do you have a linked account (partner for example)? My wife has a few issues with some tracking. TCB 'throttle' some merchants, unlike Quidco for example.

    Good luck, but try a few no purchase offers and see how it goes (unless you have your account linked by TCB).
    No payments from financial products from cash back sites? Put in a complaint direct and if they don't resolve your issue, head straight to the financial ombudsman - it costs the company £550 in referral fees, win or lose.
    • skylinedude
    • By skylinedude 12th Jan 18, 11:19 AM
    • 6 Posts
    • 6 Thanks
    skylinedude
    I made 4-5 purchases within a 7-14 day period using the same procedure for each and everyone. 2-3 have tracked within hours. 2 still have not.

    Will be honest. I find most sites like Insurance's etc are cheaper if you go directly to the insurance company and take policies out. Going through cashback sites seems to add more monies to the policy. I only use TCB for other purchases, which are not a great deal. I think I will just cut my losses and give cashback sites a miss. Not worth the effort, will just purchase when a discount voucher/code is available.
    Last edited by skylinedude; 12-01-2018 at 11:23 AM.
    • bxboards
    • By bxboards 12th Jan 18, 11:30 AM
    • 1,345 Posts
    • 1,052 Thanks
    bxboards

    Will be honest. I find most sites like Insurance's etc are cheaper if you go directly to the insurance company and take policies out. Going through cashback sites seems to add more monies to the policy.
    Originally posted by skylinedude
    When looking for insurance, I always do a test quote going direct with the same details, although change name and use a dummy e-mail address.

    I then go via cashback sites using the technique I posted above - yes, very often the cashback is added to the price or the price is hgher than your previous quote. Obviously in that case, you don't make the purchase.
    • B_M
    • By B_M 12th Jan 18, 11:41 AM
    • 642 Posts
    • 477 Thanks
    B_M

    Will be honest. I find most sites like Insurance's etc are cheaper if you go directly to the insurance company and take policies out. Going through cashback sites seems to add more monies to the policy. I only use TCB for other purchases, which are not a great deal. I think I will just cut my losses and give cashback sites a miss. Not worth the effort, will just purchase when a discount voucher/code is available.
    Originally posted by skylinedude
    When looking for insurance, I always do a test quote going direct with the same details, although change name and use a dummy e-mail address.

    I then go via cashback sites using the technique I posted above - yes, very often the cashback is added to the price or the price is hgher than your previous quote. Obviously in that case, you don't make the purchase.
    Originally posted by bxboards
    Sadly, that's true with many merchants.
    When going via a cashback site, you visit the merchant via a different landing page. TCB have often said it shouldn't happen, but it does.
    Aviva for example appear to be honest and very, very competitive.
    I've had to take out an insurance for my Mother and she was already with Aviva, so no cashback for renewing.
    I found British Gas to be the best option (not on cashback sites) as they give a £70 gift voucher, but you have to go direct.

    https://www.britishgas.co.uk/home-services/home-insurance.html

    Sometimes comparison sites are cheaper than cashback sites as they 'share' their affiliate cashback instantly.
    A minefield? Sure is, you really have to work the system and avoid the pitfalls!
    Last edited by B_M; 12-01-2018 at 2:14 PM. Reason: link
    No payments from financial products from cash back sites? Put in a complaint direct and if they don't resolve your issue, head straight to the financial ombudsman - it costs the company £550 in referral fees, win or lose.
  • TopCashBack Company Representative
    Hi everyone,

    @washable – I am sorry that the estimated payable date passed for you. With a merchant that has a short life spam on site due to the nature of this being only available at Christmas it can be difficult for us to estimate with precision when we will be paid for a specific order.

    Now that the festive period has completely passed, I suspect that M&S will start to validate your purchase very soon and as soon as this happens we will get this changed in your account asap.

    @skylinedude – There are many ways a purchase can track. If you had the merchant open on your device, even on a different web browser there are ways that their cookie can still be attached to your purchase.

    I would strongly advise you not to have any web tabs open when you make your purchasing through us and to clear your cookies. If you do not do this you do increase the risk of a purchase going untracked and raising the probability of another company being paid the commission.


    In relation to your other topic, If you use a comparison site they do have the leeway to operate their own pricing strategy. They may decide to use some of their commission to lower the price, for example, it can also be the possibility that you find they offer increased pricing using these ways.

    Should you find an example of the exact same quote going directly being cheaper I would ask you speak with us directly so we can raise this with the tracking network.


    I hope this helps everyone.

    Best wishes,
    Matt
    Official Company Representative
    I am the official company representative of TopCashBack. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"
    • B_M
    • By B_M 13th Jan 18, 12:08 PM
    • 642 Posts
    • 477 Thanks
    B_M
    Re Barclays complaint.

    I've had yet another letter from Barclays, the second one, basically saying they are still investigating my complaints (mis-selling and agent complaints) and they'll reply back by the 7th February.
    God knows what they are investigating, but I'm looking forward to their conclusion.
    The background is TCB offered £26.25 for taking a Barclays credit card. But, TCB paid an initial 1p. Yes, 1p. After a bad response to my ticket from TCB, I went direct to Barclays and registered my above complaints. Barclays were initially excellent and stated they would act immediately. This they did and my cashback was showing as payable the very next day at £26.25 on my TCB account. Top marks there to Barclays.
    I also requested £20 compensation form Barclays for the hassles and doing the work of TCB. I'm still waiting for that and I'll update accordingly, hopefully well before the 7th February. If declined, it will go to the Financial Ombudsman to govern.
    No payments from financial products from cash back sites? Put in a complaint direct and if they don't resolve your issue, head straight to the financial ombudsman - it costs the company £550 in referral fees, win or lose.
    • yellow44
    • By yellow44 14th Jan 18, 7:16 PM
    • 46 Posts
    • 33 Thanks
    yellow44

    @yellow44 – If we do not have an exclusive rate top up does typically apply and so we will indeed beat the rate through the highest cashback guarantee and you will then get any relevant top up on top.

    In addition, I will get the team to check over that page to ensure if necessary, that it is updated as soon as possible.

    Best wishes,
    Matt
    Originally posted by TopCashBack Company Representative

    @yellow44 - Just to clarify with our exclusive Aviva rate. We are giving you 100% of the money we are paid. We will look into reports of other sites being able to offer more as it has been agreed that we have secured an exclusive deal with this retailer.

    ----------

    Matt,

    Thanks for your replies although I'm still not exactly clear on what you are saying in regards to the top up.

    Surely if you have an "exclusive" rate then by definition this rate will be higher than any of your competitors and therefore nobody else will be able to beat you and therefore there would be nobody else to match against.

    Also in your first reply you state that the top up "typically" applies.
    Do you mean that it applies in all cases except the following which are copied from your Highest Cashback Guarantee Page or are there other exceptions which aren't listed?

    What’s not covered in the guarantee:
    Special promotional rates offered to individual members and free cash back offers.
    Special promotional rates offered to individual members.
    Rates offered by saving schemes or discount clubs that are paid for, or are only available to a closed group of people (i.e employees, council members).

    As an example you have mentioned Aviva in your reply.
    Although you claim this is an exclusive rate I see that TopCashback are currently offering £42 cashback whereas Quidco and Imutual are offering more.
    As I have already stated by definition you can hardly claim to have an "exclusive" rate on this merchant, so would the 1% or 5% top up apply here on a highest cashback guarantee?
    • B_M
    • By B_M 14th Jan 18, 8:40 PM
    • 642 Posts
    • 477 Thanks
    B_M

    As an example you have mentioned Aviva in your reply.
    Although you claim this is an exclusive rate I see that TopCashback are currently offering £42 cashback whereas Quidco and Imutual are offering more.
    As I have already stated by definition you can hardly claim to have an "exclusive" rate on this merchant, so would the 1% or 5% top up apply here on a highest cashback guarantee?
    Originally posted by yellow44
    If you've had an issue achieving the HCG with the below 100% cashback rate with Aviva home insurance, it doesn't make sense. Maybe they've just been trying it on?

    The current TCB Aviva home insurance promotion isn't even listed as an 'exclusive'.
    https://www.topcashback.co.uk/search/merchants/?s=Aviva+Home+Insurance
    *(that was for the £42 and £40.40 rates)
    *(now upgraded to 'exclusive, but below the 100% rate) lol

    But you are right, if a rate isn't higher than anyone else, how on earth can it be an 'exclusive'? Crazy!
    Since mid-summer 2017, TCB have excessively used the 'exclusive' tag on many merchants, but this is only, in my honest opinion, to stop TCB from adding the top-ups (1% or 5%). Watch when the Aviva rate increases soon.
    Incidentally, there is also another small cashback site that offers the full Aviva 100% rate (£60 - excluding any bonuses).
    https://tbseen.com/retailers/aviva-home-insurance?search=aviva%20home%20insurance

    I repeat, TCB is no longer a full 100% paying cashback site.
    The next time I see a TCB rep stating they pay out 100% of what they receive, I'll post five promotions where they don't. The links will be factually correct and can easily be confirmed by MSE, as they too use affiliate links. If they are wrong, they can be removed.
    Nothing wrong of course paying less than the 100% rate, but what is wrong is trying to hoodwink members.
    If the TCB 'mission statement' has any credibility (left), then it shouldn't happen.
    A quick reminder of what TCB want you to believe-
    https://www.topcashback.co.uk/about?cat=Mission
    Last edited by B_M; 15-01-2018 at 8:00 AM. Reason: update link info
    No payments from financial products from cash back sites? Put in a complaint direct and if they don't resolve your issue, head straight to the financial ombudsman - it costs the company £550 in referral fees, win or lose.
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