Bank statement as proof of purchase

AfterDark

Owain_Moneysaver wrote: »

A bank statement may not be proof of purchase but it is evidence of purchase.

Did you use your Clubcard? In which case the purchase will be traceable to you.

Used clubcard, however used to work on the clubcard dept at HQ and they cannot be used to trace purchases. Will try there cust service dept tomorrow, see what they say. Thanks

Hintza

djb215 wrote: »

In that case you need to tell Tesco it's their problem

Doubt Tesco are seeing it as their problem at this stage. The OP unfortunately is the one with the problem.

This is why I live online purchases I have all the records.

Would probably be a good idea if folk scanned receipts or kept a file.

hothothot_3

bazster wrote: »

I'm not aware that the Sale of Good Act requires a retailer to open its books to you. It's you who has to produce proof of purchase, not them. Supposing that a case like this got as far as the small claims court, and the retailer continued to insist that you hadn't produced proof of purchase. What's the judge going to do, issue a search warrant and have the retailer's records seized? Of course not, because there is no legal obligation on them to share this information.

Incorrect.

I would apply to have the information released under the data protection act if it came that far.

Anihilator

hothothot wrote: »

Incorrect.

I would apply to have the information released under the data protection act if it came that far.

And probably fail.

Tesco may have to hold records of transactions yes but not every transaction is related to a customer.

Yes if you have a clubcard its more likely to work but only if its directly linked to the account.

The DPA wouldnt enforce Tesco to find a transaction and provide proof unless it was linked to a person.

hothothot_3

Anihilator wrote: »

And probably fail.

Tesco may have to hold records of transactions yes but not every transaction is related to a customer.

Yes if you have a clubcard its more likely to work but only if its directly linked to the account.

The DPA wouldnt enforce Tesco to find a transaction and provide proof unless it was linked to a person.

I have had success using the method, coincidently enough - for an electrical product bought at Currys.

By law, they have my personal data - the transaction I made, and my method of payment - I have every entitlement that they must supply it. So there is no "probably fail". A customer is a person.

In my case, just the letter itself (notice of claim plus DPA request), the next day I got a call "Mr ....... just come into the store and well sort out your refund".

Anihilator

hothothot wrote: »

I have had success using the method. By law, they have my personal data - the transaction I made, and my method of payment - I have every entitlement that they must supply it. So there is no "probably fail". A customer is a person.

Yes but if I go in and pay for a paper in cash it is not data they hold about me.

If I go in a buy a weekly shop and pay cash it isnt data they hold about me.

If I handed over a clubcard first yes it would be but simply going in and paying for a transaction and them holding this data doesnt make it DPA covered.

Careful_with_that_Axe

A receipt is not a legal document. Shops are under no legal obligation to provide a receipt and conversely can't demand that you supply them with one when returning an article.

It can be helpful not necessarily as a proof of purchase, but as proof of how much you paid for it. Otherwise, a bank statement/credit card statement should suffice.

CarJacker

Anihilator wrote: »

Yes but if I go in and pay for a paper in cash it is not data they hold about me.

If I go in a buy a weekly shop and pay cash it isnt data they hold about me.

If I handed over a clubcard first yes it would be but simply going in and paying for a transaction and them holding this data doesnt make it DPA covered.

but this thread isnt about you paying by cash - its about the OP who has paid by a credit/debit card.

Anihilator

CarJacker wrote: »

but this thread isnt about you paying by cash - its about the OP who has paid by a credit/debit card.

And even then without a club card it probably is not tied to her on Tesco's system in a way that would be covered by DPA.

I would suggest that it probably fails at level 1 Identifiability as I very much doubt its registered on Tescos system beyond the card number, any authorisation confirmation and the transaction it was part of. I.e not the customers name or any other identifiable information.

CarJacker

Anihilator wrote: »

And even then without a club card it probably is not tied to her on Tesco's system in a way that would be covered by DPA.

I would suggest that it probably fails at level 1 Identifiability as I very much doubt its registered on Tescos system beyond the card number, any authorisation confirmation and the transaction it was part of. I.e not the customers name or any other identifiable information.

The DPA allows access to personal data held by 3rd parties.

Anything of data that they hold which is about an individual - my payment card - the items I have bought from them - the amount of money I paid them - the time and date I did this - it is stuff that they know about me, that is personal to me - they have processed and retained. Im perfectly entitled by law to know about it.

Of course they can identify the transaction - I tell them the day I bought the item, what the item was, and what my card details are. In most cases buying electrical goods (my experience at Currys), they tend to ask at the till for name and address too.

They have to keep these financial records by law, for 4 years at least for tax purposes too. So it is nonsense if they claim they no longer have them.....perhaps that individual was right in saying - they personally hasnt got access to it - but there will be someone who can.