Steps to take if you have been ripped-off by a copy-cat government website

gb12345

hpuse wrote: »

Raising a dispute with the bank is very important....

Reasons:

Consumer has a contract with bank. Bank will protect the best interest of the customer, in reasonable circumstances that leads to a dispute.

Raising a dispute with the bank will allow the bank to investigate on the trader's circumstances (for e.g fraudulent claims as in the case copycat websites, they are now being investigated by TS ).

Raising a dispute with the bank may result in charge back to the consumer.

Upon investigation, bank will understand that trader was relying on the customer for not reading terms and conditions to get away with the sale, which is unfair. Hence the bank will use their authority to enforce a charge back on the trader. Which means the trader will lose the money he gained from the sale plus additional money from his money.

Charge back also means full amount paid is refunded to the consumer.

Charge back cost money to the trader...it is around £30 to £50 per charge back levied on the trader depending on the bank

Charge back discourages traders from unfair trading practices.

More number of charge back means traders merchant account suspended....

Hence so forth, raising is dispute with the bank is very very very important.

And where have you copied and pasted this from? Yet again you have failed to give a source, so for all we know it is yet more of your deluded ramblings.

powerful_Rogue

hpuse wrote: »

Raising a dispute with the bank is very important....

Reasons:

Consumer has a contract with bank. Bank will protect the best interest of the customer, in reasonable circumstances that leads to a dispute.

Raising a dispute with the bank will allow the bank to investigate on the trader's circumstances (for e.g fraudulent claims as in the case copycat websites, they are now being investigated by TS ).

Raising a dispute with the bank may result in charge back to the consumer.

Upon investigation, bank will understand that trader was relying on the customer for not reading terms and conditions to get away with the sale, which is unfair. Hence the bank will use their authority to enforce a charge back on the trader. Which means the trader will lose the money he gained from the sale plus additional money from his money.

Charge back also means full amount paid is refunded to the consumer.

Charge back cost money to the trader...it is around £30 to £50 per charge back levied on the trader depending on the bank

Charge back discourages traders from unfair trading practices.

More number of charge back means traders merchant account suspended....

Hence so forth, raising is dispute with the bank is very very very important.

Thats all very nice, however why didnt the Guardian article mention about contacting your bank or building society? Is the Guardian article incorrect?

Upon investigation, bank will understand that trader was relying on the customer for not reading terms and conditions to get away with the sale, which is unfair.

Its not just the T&C's though. They have FAILED to read any part of the website.

If I goto Tesco Direct and order a vacumer cleaner, but actually wanted a toaster - Can I open a dispute with my bank and get a refund because I didnt read about what I was buying?

hpuse

powerful_Rogue wrote: »

Thats all very nice, however why didnt the Guardian article mention about contacting your bank or building society? Is the Guardian article incorrect?

Guardian article was not written by me - so I can't comment.

powerful_Rogue wrote: »

If I goto Tesco Direct and order a vacumer cleaner, but actually wanted a toaster - Can I open a dispute with my bank and get a refund because I didnt read about what I was buying?

Bank will use their best judgement from accumulated facts that Tesco, by trade does not generally mislead a customer by T&C's. They also do not rely on customer for not reading their terms and conditions for selling their products and services. Hence the customer will not be refund.
Anything else, Rogue ?

hpuse

gb12345 wrote: »

And where have you copied and pasted this from? Yet again you have failed to give a source, so for all we know it is yet more of your deluded ramblings.

Already responded -read post #404

hpuse

Good weekend guys, be safe, stay safe, trade safe....

imoneyop

My God, I have never read so much utter garbage being written by one person.

gb12345

hpuse wrote: »

Already responded -read post #404

So you have no source, and as I guessed it is yet more of your factually incorrect deluded ramblings.

gb12345

I forgot hpuse - did you get a response from your bank about the email that you were going to send them a week ago?

As you kept quiet on that I assume they either ignored you or the response that you got didn't back up your argument, so you chose not to publish it.

powerful_Rogue

hpuse wrote: »

Guardian article was not written by me - so I can't comment.

The Guardian article was written by Patrick Collinson, who is the money editor and the newspapers finance editor. In other words, someone pretty knowledgeable. Do you agree that if he hasnt mentioned contacting your bank, then its a pretty pointless step?

Bank will use their best judgement from accumulated facts that Tesco, by trade does not generally mislead a customer by T&C's. They also do not rely on customer for not reading their terms and conditions for selling their products and services. Hence the customer will not be refund.
Anything else, Rogue ?

Move away from the t&c's. You keep mentioning them, despite my examples excluding them.

Lets try again! I log onto Tesco Direct to purchase a vacume cleaner. I look at the listings and click on "Electrical" and then "Vacuum Cleaners" . Without paying any other attention, I click on the first item and pay for it.

Doh! Ive just realised ive clicked on a toaster! For some reason the site has taken me to the toaster section and not the vacuum cleaner section.

I phone up Nationwide and say "Ive just purchased a toaster when I actually meant to purchase a vacuum cleaner. I have been misled by Tesco Direct because I clicked on their "Vacuum Cleaner "section. Will you dispute this and get my money back"

hpuse - Will I get a refund? Is it Tescos fault that I didnt read about the item I was buying?

Pollycat

hpuse wrote: »

Raising a dispute with the bank is very important....

Hpuse
If 'raising a dispute with the bank' is so important, why has the author of the article in the Guardian not included it?

Are you now trying to convince us that you know more than Patrick Collinson? :rotfl:

If so, maybe you would like to leave a comment to that effect.

There are actually a few interesting points made in that article so I have to give 'thanks' to Hpuse for providing the link:

There have been instances of some people obtaining refunds, but don't hold your breath.

Make a claim through the small claims court, although if you win enforcing a payout will be another matter.

and this one which I'm sure wantmemoney would be very interested in:

It may still be worth making a complaint to the Advertising Standards Authority about taxreturngateway's advert on Google (go to asa.org.uk) although it has ruled in favour of the site.

This is one possible positive message:

You can apply to have the company wound up in the public interest – and can even do so anonymously. The Insolvency Service runs a little-known service where you can complain about a company or the director of a company that is still trading. It says: "We wish to know about the activities of any company which appears to be causing significant harm to consumers, trade suppliers, service providers, investors etc, who have had dealings with it." Go to bis.gov.uk/insolvency and look down the bottom right hand side of the page to find a link that lets you complain.