Consumer Rights: MoneySavingExpert.com discussion

Optimist

MissSWN wrote: »

Hi,
I made a transaction with a retailer some 3 months ago (the 2nd June to be precise). I made the transaction using my debit card. Unbeknown to me, i thought the transaction had cleared and had been processed (as would normally happen 0 transactions with debit cards from my expereince clear within 3 working days).

I received my bank statement for this month, only to find that the retailers had charged me this month! (3months later). It was for a reasonably large sum of money. Surely this isn't right. Do i have any legal rights?]

Mmm wish some of my payments would take three months! Short answer no you should have realised the money hadn't been taken, especially if as you say it was for a considerable amount!

TracyMcGhee

MissSWN wrote: »

Hi,
I made a transaction with a retailer some 3 months ago (the 2nd June to be precise).

Not sure of your problem Had you paid by cheque then it could legally have taken 6 months for them to present it.

It is strange that it took so long but hey! you were expecting it - or have you that much in your account that you failed to spot it - OR, have you spent it and were hoping they had forgotten??

Afraid I cannot see that you have any legal recourse

Matty007

Bought an Indesit Washine Machine nearly 2 years ago from B&Q.

We have had a few problems but these were sorted out within their 1 year guarantee.

The drum has gone again this week and I have sent off an e-mail to B&Q expecting the normal 'not in guarantee and without extended warranty'.

Although I am due to send a recorded letter to the MD of B&Q outlining my rights under the sales of goods act, time is of the essence.

As a family it is extremely important to get the machine back in working order.

Is it reasonable to get the thing fixed and claim the money back from B&Q ?

What do you reckon guys.

Is it just a case of having to wait for a response from Head Office.

Is it reasonable for machine to fail again after 2 years when it cost in excess of £250 ??

Look forward to hearing from you.

Art_2

Matty007 wrote: »

Bought an Indesit Washine Machine nearly 2 years ago from B&Q.

We have had a few problems but these were sorted out within their 1 year guarantee.

The drum has gone again this week and I have sent off an e-mail to B&Q expecting the normal 'not in guarantee and without extended warranty'.

Although I am due to send a recorded letter to the MD of B&Q outlining my rights under the sales of goods act, time is of the essence.

As a family it is extremely important to get the machine back in working order.

Is it reasonable to get the thing fixed and claim the money back from B&Q ?

What do you reckon guys.

Is it just a case of having to wait for a response from Head Office.

Is it reasonable for machine to fail again after 2 years when it cost in excess of £250 ??

Look forward to hearing from you.

It isn't reasonable for the machine to pack up after this length of time.

Unfortunately you are not able to get the machine repaired without B&Q giving their permission. When you write to them outline your problem and tell them you expect them to deal with the problem in a reasonable length of time. I assume they don't handle repairs themselves but use contractors so there is no reason for any delay.

Regards,
Art.

Art_2

MissSWN wrote: »

Hi,
I made a transaction with a retailer some 3 months ago (the 2nd June to be precise). I made the transaction using my debit card. Unbeknown to me, i thought the transaction had cleared and had been processed (as would normally happen 0 transactions with debit cards from my expereince clear within 3 working days).

I received my bank statement for this month, only to find that the retailers had charged me this month! (3months later). It was for a reasonably large sum of money. Surely this isn't right. Do i have any legal rights?


anoyed consumer

Please click reply to discuss the Consumer Rights Article

[/quote]

No, you have no recourse. There is no obligation for a retailer to proccess your payment immediately. You had the use of your money for a longer period than you had expected.

Regards,
Art.

Art_2

rabpurves wrote: »

I bought an LCD TV from a high street retailer for £325 with credit card, but when I got home much later after more shopping, I noticed that the visa receipt showed £3.25, but the sales receipt was for £325. I phoned my bank to see what had been charged and they said that there were 3 transactions made today. One for £3.25 (I purchased the telly at 12oclock) one for another store at 2.53pm and a third transaction relating to the tv for £321.75. This transaction was made after the 2.53pm transaction. I left the tv shop at 1220 and havent heard from them since. Anyway, what seems to have happened is that the tv shop has noticed the error, possibly when they were cashing up at the end of the day and have, on their own back, charged my card for the missing balance. As I entered my pin code (the card is chip and pin) at the time, it seems to me the shop has fraudulently used my card, without my permission to rectify their earlier error. I spoke to my bank and they have advised me to phone the shop tomorrow to find out how they have managed to charge the card, as they didnt have my pin number, nor the 3 digit security code, and my credit card people say they can reverse the second transaction when it shows on my visa account within 5 days. However, before I phone the shop, what is my best approach, and am I right in reversing the £321.75 transaction. as in theory I did agree at the time, to purchase the tv for £325?

The store has acted quite legally in rectifying the problem. You do not have any claim against them.

Regards,
Art.

Matty007

Art wrote: »

It isn't reasonable for the machine to pack up after this length of time.

Unfortunately you are not able to get the machine repaired without B&Q giving their permission. When you write to them outline your problem and tell them you expect them to deal with the problem in a reasonable length of time. I assume they don't handle repairs themselves but use contractors so there is no reason for any delay.

Regards,
Art.

Thanks Art

Was a little worried where you had gone when I logged on the other day.....enjoy the good ole' USA

Matty007

Art_2

Matty007 wrote: »

Thanks Art

Was a little worried where you had gone when I logged on the other day.....enjoy the good ole' USA

Matty007

Hi Matty,

Thanks. Yes, I'm still in the US until next week and been a little out of touch for the past 4 weeks or so.

I haven't been getting all the emails telling me there is a reply to read - maybe gremlins in cyberspace.

Regards,
Art.

hugh_mungus-winkle

Bought 3 mobile phones from a shop where the salesman assured me that internet useage was included in the tariff. Turns out it's not, and I'm being charged each time I access the 'net.

The shop are refusing to take the phones back as 14 days have passed since purchase, but how was I to know within 14 days as I hadn't received a bill by then?

Advice please!

Art_2

hugh_mungus-winkle wrote: »

Bought 3 mobile phones from a shop where the salesman assured me that internet useage was included in the tariff. Turns out it's not, and I'm being charged each time I access the 'net.

The shop are refusing to take the phones back as 14 days have passed since purchase, but how was I to know within 14 days as I hadn't received a bill by then?

Advice please!

Write to the company, recorded delivery, giving them 7 days to refund your money. Tell them if this isn't done you will go to the Small Claims Court. If the company you purchased the phones from is a national company write to their head office.

Regards,
Art.