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  • FIRST POST
    cooperdp
    Retaliers can use NOCHEX to rip off customers
    • #1
    • 29th Mar 08, 8:52 AM
    Retaliers can use NOCHEX to rip off customers 29th Mar 08 at 8:52 AM
    I purcashsed goods off the internet just before Christmas. The website uses NOCHEX as many do. When the goods didn't arrive I eventaully raised with Mastercard who pointed out that they had no relationship with the Retailer in question but with NOCHEX and that they had fullfilled their payment obligations.

    This is very dangerous since it means that all purchase protection afforded by using a credit card disappears when NOCHEX are involved.

    I am still pursuing by £49.99 some 4 months on with little progress. Consumers need to be made away that finding NOCHEX in the purchase process is bad news and they should be avoided at all cost. I will be raising with the Personal Finance Press.
Page 1
    • Brooker Dave
    • By Brooker Dave 29th Mar 08, 10:09 AM
    • 4,573 Posts
    • 2,983 Thanks
    Brooker Dave
    • #2
    • 29th Mar 08, 10:09 AM
    • #2
    • 29th Mar 08, 10:09 AM
    I purcashsed goods off the internet just before Christmas. The website uses NOCHEX as many do. When the goods didn't arrive I eventaully raised with Mastercard who pointed out that they had no relationship with the Retailer in question but with NOCHEX and that they had fullfilled their payment obligations.

    This is very dangerous since it means that all purchase protection afforded by using a credit card disappears when NOCHEX are involved.

    I am still pursuing by £49.99 some 4 months on with little progress. Consumers need to be made away that finding NOCHEX in the purchase process is bad news and they should be avoided at all cost. I will be raising with the Personal Finance Press.
    Originally posted by cooperdp
    This also applies with other online payment methods.
    "Love you Dave Brooker! x"

    "i sent a letter headded sales of god act 1979"
    • soolin
    • By soolin 30th Mar 08, 9:47 AM
    • 56,946 Posts
    • 40,132 Thanks
    soolin
    • #3
    • 30th Mar 08, 9:47 AM
    • #3
    • 30th Mar 08, 9:47 AM
    This also applies with other online payment methods.
    Originally posted by Brooker Dave
    Only in your world Mr Brooker.

    OP, there is a forum for nochex users and it might be worth asking for help on there. Nochex does not work the same as paypal so it is extremely difficult to get any money back, but I have seen incidences where refunds have been obtained. I gave up my nochex account a few years back as it seemed to not be beneficial for either buyers or sellers, but I'm sure if you find the forum (it used to be called the green room) someone may be able to offer at least some suggestions.
    I'm the Board Guide for the Ebay Board , Charities Board , Dosh & Disability , Up Your Income and the Local MoneySaving-England board which means I'm a volunteer to help the boards run smoothly, and I can move posts there. However, do remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com (it's not part of my role to deal with this). Any views are mine and not the official line of MoneySavingExpert.com
    New to Forum? Guide
  • Blacksheep1979
    • #4
    • 30th Mar 08, 11:51 AM
    • #4
    • 30th Mar 08, 11:51 AM
    Several people have received the same response regarding PayPal - I'd chase up the cc company again and be a little more 'forceful'
    • Brooker Dave
    • By Brooker Dave 30th Mar 08, 2:51 PM
    • 4,573 Posts
    • 2,983 Thanks
    Brooker Dave
    • #5
    • 30th Mar 08, 2:51 PM
    • #5
    • 30th Mar 08, 2:51 PM
    Only in your world Mr Brooker.
    Originally posted by soolin
    There are plenty of people who've used paypal and been told the same thing...
    "Love you Dave Brooker! x"

    "i sent a letter headded sales of god act 1979"
  • bicycle_repair_man
    • #6
    • 30th Mar 08, 4:20 PM
    • #6
    • 30th Mar 08, 4:20 PM
    I would not trust any retailer website that uses paypal or nochex rather than their own credit card processor.
    • Brooker Dave
    • By Brooker Dave 30th Mar 08, 4:29 PM
    • 4,573 Posts
    • 2,983 Thanks
    Brooker Dave
    • #7
    • 30th Mar 08, 4:29 PM
    • #7
    • 30th Mar 08, 4:29 PM
    I would not trust any retailer website that uses paypal or nochex rather than their own credit card processor.
    Originally posted by bicycle_repair_man
    Most online retailers will use a third party payment gateway, some like paypal are considered a money transfer service by credit card companies.

    As far as I'm aware so long as it's a secure site you've not got too much to worry about.

    One of my websites uses Nochex as the payment gateway and the other uses google payments, and everyone seems happy so far.
    "Love you Dave Brooker! x"

    "i sent a letter headded sales of god act 1979"
    • bap98189
    • By bap98189 31st Mar 08, 1:32 PM
    • 1,705 Posts
    • 2,017 Thanks
    bap98189
    • #8
    • 31st Mar 08, 1:32 PM
    • #8
    • 31st Mar 08, 1:32 PM
    I would not trust any retailer website that uses paypal or nochex rather than their own credit card processor.
    Originally posted by bicycle_repair_man
    Many online retaillers use Paypal as their credit card processor. The reason is that Paypal don't charge a percentage of each transaction rather than a monthly fee, making them a good choice for smaller retaillers who want to be able to take credit card payments via their website.
  • windswept
    • #9
    • 31st Mar 08, 1:47 PM
    • #9
    • 31st Mar 08, 1:47 PM
    Hands up how many people know that paypal does not cover you under their seller protection scheme if you use it for website payments, direct (email ) payments or their virtual terminal?
    Their line about being a "merchant account" is laughable - an online business should only be taken seriously if they use a real IMA.
    "There is a light that never goes out"
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