VISA: "Online shopping is as safe as the high street"

[Deleted User]

I don't understand this thread, it seems like you're answering your own question???

AnnatarsGift

[quote=[Deleted User];54448565]lol. Visa didn't supply you with fake goods. Their comment is relating to security, i.e. using your card on the internet is as safe as using your card in a chip and pin reader.

Learn to internet.[/QUOTE]

We have a winner! I think you have the answer there.

They are claiming using your VISA online is as safe as using it on the high street and I have taken there claim to mean that I would have all the wonderful protection that VISA affords and so should be covered against fraud whether shopping online or on the high street. But no fraud has taken place in their eyes because I have been stupid and knowingly purchased discounted goods that were obviously illegitimate so the transaction was valid and their responsibility ends there.

The fact that I didn't know they were illegitimate / fake goods is no defense.

callum9999

AnnatarsGift wrote: »

We have a winner! I think you have the answer there.

They are claiming using your VISA online is as safe as using it on the high street and I have taken there claim to mean that I would have all the wonderful protection that VISA affords and so should be covered against fraud whether shopping online or on the high street. But no fraud has taken place in their eyes because I have been stupid and knowingly purchased discounted goods that were obviously illegitimate so the transaction was valid and their responsibility ends there.

The fact that I didn't know they were illegitimate / fake goods is no defense.

So you've complained to your bank, and they specifically said "we aren't helping you, it's your own fault"? Visa Chargeback applies to "goods not as described" so your bank should be doing a chargeback on your behalf.

AnnatarsGift

lisyloo wrote: »

If you have bought something massively underpriced then it's pretty obvious that it's a fake.
If that's the case (and I'm not assuming it is) then I don't see why companies and ultimately other customers should subsidise.

Unfortunately as a male women's shoes aren't something I'm familiar with in terms of pricing. The discounted price on the website however was not out of the realms of possibility. They were claiming they were discounted to 30% of the RRP. For a luxury brand the discounted price was I believe reasonable and along the line of a reasonable cost based price.

At work I regularly purchase genuine items that are a fraction of the price they are being sold elsewhere on the web. Also at work we regularly sell items massively underpriced to clear out stock. Sometimes we almost give it away to good customers to save on the costs of disposing of unwanted stock.

So not all massively underpriced items are fake. Unfortunately not all massively underpriced items are genuine either, nor is it always obvious especially when shopping online.

Thank you though for your sympathy. :P

AnnatarsGift

callum9999 wrote: »

So you've complained to your bank, and they specifically said "we aren't helping you, it's your own fault"? Visa Chargeback applies to "goods not as described" so your bank should be doing a chargeback on your behalf.

Yes I have been led a merry dance. I've filled in pages worth of forms for the bank and then been told they weren't correctly filled in and so I was sent another set. No mention of what the precise problem was. So I repeated the process with the same result.

This time I called to find out what the actual problem was. The problem was that I hadn't obtained an address and contacted them to return the goods. The reason for this I explained was that they would not provide an address nor was there one on the delivery note. Also any contact with them was just resulting in one of 3 standard replies that apologised for the matter and promised someone was looking into it.

At this point my discussion with the bank continued at length until eventually I was told that the VISA protection didn't cover me for purchases made outside of the UK. I was rather incensed and at this point went off to check if this was valid. I then spent some time contacting VISA to discover that the scheme was subject to the card providers terms and conditions with any exclusions they may care to add. I then spent some time trying to get a set of up to date Ts & Cs from them, with little success. Next I tried in an actual branch and was met with some confusion at which point I realised I had once again been duped this time by the idiot on the banks phone who must have got bored of me.

So finally I have spent today on the phone with them again to now be told I am not covered because there was no fraud as I received the goods and they cannot get involved because it is a matter for trading standards.

The purchase price was just under £100. So whether the Visa Chargeback applies is I guess at the discretion of the bank and I am further guessing that their discretion says a big fat NO in this case.

callum9999

AnnatarsGift wrote: »

Yes I have been led a merry dance. I've filled in pages worth of forms for the bank and then been told they weren't correctly filled in and so I was sent another set. No mention of what the precise problem was. So I repeated the process with the same result.

This time I called to find out what the actual problem was. The problem was that I hadn't obtained an address and contacted them to return the goods. The reason for this I explained was that they would not provide an address nor was there one on the delivery note. Also any contact with them was just resulting in one of 3 standard replies that apologised for the matter and promised someone was looking into it.

At this point my discussion with the bank continued at length until eventually I was told that the VISA protection didn't cover me for purchases made outside of the UK. I was rather incensed and at this point went off to check if this was valid. I then spent some time contacting VISA to discover that the scheme was subject to the card providers terms and conditions with any exclusions they may care to add. I then spent some time trying to get a set of up to date Ts & Cs from them, with little success. Next I tried in an actual branch and was met with some confusion at which point I realised I had once again been duped this time by the idiot on the banks phone who must have got bored of me.

So finally I have spent today on the phone with them again to now be told I am not covered because there was no fraud as I received the goods and they cannot get involved because it is a matter for trading standards.

The purchase price was just under £100. So whether the Visa Chargeback applies is I guess at the discretion of the bank and I am further guessing that their discretion says a big fat NO in this case.

Where did you buy it from?

AnnatarsGift

callum9999 wrote: »

Where did you buy it from?

www.discountchristianlouboutin.net

lol The discount has now gone up to 79%.

greenstreetprince

AnnatarsGift wrote: »

www.discountchristianlouboutin.net

lol The discount has now gone up to 79%.

visit the FAQ page here. 1st question:

Q：Are these Authentic Christian Louboutin Shoes?
A：No,the real Christian Louboutin shoes can only be bought from authorized dealers. Our shoes are replicas.

ENOUGH SAID

Looking around the site its obvious the site is totally amateur, they have hotmail email addresses! the language is very poor english..I could go on.

anyone who purchases from here thinking they will receive genuine products needs a lesson in internet security

aleph_0

AnnatarsGift wrote: »

www.discountchristianlouboutin.net

lol The discount has now gone up to 79%.

Hmm, so when one clicks on the Contact Us link the first question of the FAQ states "Our shoes are replicas".

My thoughts are twofold - If I visited that website, alarm bells would ring, and I would have discovered this. OTOH, this site is clearly trying to mislead, and I see no reason why Visa should abandon their guarantee.

RobertoMoir

AnnatarsGift wrote: »

So what I would like to know is how can VISA legally claim that with them "Online shopping is as safe as the high street" when it obviously isn't?

Are you saying people never get ripped off, never get sold fake goods, never get their card skimmed, etc. on the high street?

Visa aren't saying that shopping online is perfectly safe...