help! ocado have done a runner with my dosh!

Money-Saving-King

friendbear wrote: »

Before you state "empty threats" in the future do your homework

Eh? It's not credit you're wrong, you need to do your homework!

friendbear wrote: »

Ive read the bunch of ignorant, insulting replies here

Or we could use the more accurate term - knowledgeable!

friendbear

The way OCADO *chase* debt requires a CCL. Do YOUR homework. Unless of course you think the oft dont know anything either? Because they confirmed it!

OlliesDad

friendbear wrote: »

The way OCADO *chase* debt requires a CCL. Do YOUR homework. Unless of course you think the oft dont know anything either? Because they confirmed it!

The reasons why a credit licence would be required are as follows:

OFT wrote:

• lend money that is not for a first charge mortgage
• allow your customers time to pay for goods and/or services that they buy from you (including hire purchase)
• hire or lease out goods and/or services for more than three months
• introduce buyers to someone else who will lend them money
• help people with debt problems
• adjust a consumer's existing debts
• consolidate debts on behalf of a customer
• give debt advice
• collect debts arising from consumer credit or hire agreements where you are not the creditor
• carry out administration duties in relation to a credit or hire agreement
• provide information about a consumer's credit rating
• offer to repair someone's credit rating
• act as a credit reference agency.

I presume you are claiming that they need a CCL due to "allowing customers time to pay for goods and/or services that they buy (including hire purchase)".

This is not the case.. they expect payment immediately, however it appears that the payment has failed and that is why there is a debt. Another similar example would be if you paid a builder with a cheque that subsequently bounced - there would be a debt, but the builder wouldn't need a CCL.

Money-Saving-King

friendbear wrote: »

The way OCADO *chase* debt requires a CCL. Do YOUR homework. Unless of course you think the oft dont know anything either? Because they confirmed it!

Wrong!!!!!

pmduk

Perhaps their response is due to the fact the OFT won't exist next week, the knowledgeable staff may have already left?

However, I'm impressed the OP so quickly came to the conclusion that the people trying to help them are working for Ocado. It's always the sign of a lost cause.

simple_living

hollydays wrote: »

You say they accused you of lying , is this something to do with the declarations you made when you opened multiple accounts?

it's not lying to open multiple accounts for people with different created e-mail addresses and different postal addresses because of doing their shopping online for them because they have no internet.
I have been doing this for my elderly mom for years (with Tesco online).

I did understand Friendbear's posts by the way - yes, it is complex - I make myself slow down when reading though, as I used to read too fast.

I have used Ocado recently, and I know what he/she means by them taking the payment after delivery, (unlike what Tesco does, who take it early in the morning of the delivery) so, in a way, it seems like buying by credit. Whether it is, actually, I don't know.

But I wish you all the best Friendbear -sounds like a bit of a nightmare - well done for doing the shopping for your relatives - I know how time consuming that can be, and how much patience you sometimes need - I do it with my mom on the other end of the phone and have to describe the available items to her.

Lomast wrote: »

OP you are getting distracted by the fact they have no CCL, as far as i can work out they dont need one as they work on the basis of pre authorisation of payment method rather than actually offering credit.......

useful information, presented in a neutral way
You may be right - although I guess because Friendbear has been dealing with them he/she would know what has been said, and there *is* (or was) a delayed payment because her/his bank thought fraud was happening, because Ocado tried to take a payment twice and so they, the bank, shut down that form of paying. So the outstanding payment may have been classed as 'credit' then.