Distance Seller wants us to pay by Chip & Pin?

bris

Not all retailers can take payments over the phone, in fact most bricks and mortar shops can't, they must use chip and pin to be protected, this is why they won't let you use it at a distance.

You need to be set up with the merchant to accept distance sales, it's a riskier transaction so for smaller retailers can be a lot more expensive to process.

The other point is for a small retailer to get in a grands worth of tools only for the customer to say no, cancel them under DSR is a pita they can't afford.
If your not happy with their terms then seek them elswhere.

wealdroam

OP, if you are dealing with a shop that doesn't usually sell at a distance, and it sounds like this might be the case, then DSRs may not apply.

On page 7 of the OFT's guide to the DSRs we can see:

If I generally do not sell by distance means do the DSRs apply to orders I sometimes get by email, phone or fax?
2.14 If you normally do business with consumers face-to-face, the DSRs are unlikely to apply to an occasional order that you take in these ways. However, if the contract is concluded by distance means under an ’organised distance sales or service provision scheme’ (see paragraph 1.6 for what we consider this term means) then the DSRs are likely to apply. Such schemes are not defined in the DSRs and the facts in each case need to be considered but the DSRs may apply if you use standard procedures for processing orders including standard correspondence sent out to customers which they then return.

ThumbRemote

Irrespective of DSRs, giving out your PIN to a stranger over the phone is a spectacularly bad idea. The card company will not cover you for any fraud on your card after this point, and you could lose many thousands.

You would be better to drive to the retailer and buy the goods there.

molerat

ThumbRemote wrote: »

Irrespective of DSRs, giving out your PIN to a stranger over the phone is a spectacularly bad idea. The card company will not cover you for any fraud on your card after this point, and you could lose many thousands.

You would be better to drive to the retailer and buy the goods there.

There has been no mention anywhere of giving the PIN over the phone, the retailer will not sell by card over the phone.

ILW

If just buying this brand is so problematic, I would worry about aftersales service if ever required.

Why not go for something a little more mainstream?

unholyangel

InsideInsurance wrote: »

I did have a conversation with TS, and of cause I accept they arent always right, with the scenario of someone discussing a product in store and then buying from the same store online.

Their view was DSR would apply as the purchase had been made online despite the in store discussions beforehand.

Discussing or viewing/examining the goods?

OFT say this:

Would the DSRs apply where a consumer has examined
goods in my shop and then orders the same goods from me
via distance means?
2.13 This depends on the circumstances, but we consider the DSRs would
not normally apply where a consumer examines goods at your
premises and later orders those goods by distance means, even if the
goods are slightly different, for example, ordered in a different colour
from those actually examined.

bobwilson

ThumbRemote wrote: »

Irrespective of DSRs, giving out your PIN to a stranger over the phone is a spectacularly bad idea. The card company will not cover you for any fraud on your card after this point, and you could lose many thousands.

You would be better to drive to the retailer and buy the goods there.

you've misunderstood, re-read the thread.

bobwilson

wealdroam wrote: »

OP, if you are dealing with a shop that doesn't usually sell at a distance, and it sounds like this might be the case, then DSRs may not apply.

On page 7 of the OFT's guide to the DSRs we can see:

It isn't the case, they do normally sell at a distance.

bobwilson

ILW wrote: »

If just buying this brand is so problematic, I would worry about aftersales service if ever required.

Why not go for something a little more mainstream?

We've tried!! There is nothing else..

It sounds like we have no choice but to take the risk, and buy without ever having seen the goods, essentially we have to buy from a distance but waive our rights under the DSRs

bobwilson

arcon5 wrote: »

If you pay over the phone and it turns out the card is stolen, they may be subjected to the money being returned. If the goods was low value they may be willing and more able to take on the order and the higher risk it entails, for for £1k order I can see why they wouldn't want to bear the risk unnecessarily.

As for the chargeback, they are only made hard to defend if the claim is that the transaction is fraudulent or card stolen. For things like faulty goods or goods not received, this can be defended relatively straight forwardly. I've defended a few in the past successfully. But for fraudulent claims, providing evidence is much harder!!!

I'm sorry but I find it hard to believe that any retailer who accepts credit cards has to take a risk on every transaction. I myself run a business and accept credit cards.

If a shop accepts credit cards and only despatches goods to the credit card's billing address, then how can there be any argument that the card was stolen? The goods went to the billing address of the card, so the owner of the card received them. There is no explanation or excuse, and it is how we have fought and sucessfully defended chargebacks every single time, so I'm sorry but your post really makes no sense.