Clydesdale Mastercard / Skrill / Simply Electronics (winding up)

[Deleted User]

If the Ombudsman has already rejected your complaint (last year?), your only option now is court.

I don't fancy your chances there, I'm afraid.

[Deleted User]

ThumbRemote wrote: »

Given the above, how does a consumer know the difference between paying a retailer and paying an intermediary.

PayPal, for example, have multiple modes of operation. You can pay using your bank funded PayPal account, or without having a PayPal account you can enter your card details and the money is given to the retailer. Skrill presumably do the same.

What about Sagepay and Worldpay? Both are platforms where you can be transferred to their websites to process payment. Does this mean section 75 is invalid with these as well? If so then there's a huge number of online retailers using these third party gateways who don't give any section 75 protection.

Even more than this there's numerous retailers who embed the third party gateways into their own website. So as far as you are concerned, you're paying the retailer. How is the consumer supposed to know that there's anyone else involved?

It doesn't matter what method you use within Paypal - you are paying them and they then pay the retailer.

With Sagepay and Worldpay they are processing the payment on behalf of the retailer. The significant difference is you aren't paying Sagepay or Worldpay first. If you think about it, almost every smaller retailer will have a payment processor rather than have the ability to take payment themselves directly.

I appreciate it's a subtle difference however it's up to the consumer to check, if having S75 is important to them.

I hadn't even heard of Skrill before this thread and to be fair to them they haven't done anything wrong.

wealdroam

camelot1971 wrote: »

It doesn't matter what method you use within Paypal - you are paying them and they then pay the retailer.

With Sagepay and Worldpay they are processing the payment on behalf of the retailer. The significant difference is you aren't paying Sagepay or Worldpay first. If you think about it, almost every smaller retailer will have a payment processor rather than have the ability to take payment themselves directly.

I appreciate it's a subtle difference however it's up to the consumer to check, if having S75 is important to them.

I hadn't even heard of Skrill before this thread and to be fair to them they haven't done anything wrong.

As well as their traditional method, Paypal now also operate as a payment processor - in the way that you describe in your second paragraph.

timbstoke

Skrill are registered with the Financial Conduct Authority, which states that you may be able to complain to the FOS about them too.

https://register.fca.org.uk/ShPo_FirmDetailsPage?id=001b000000m4IWjAAM

So, time to start the whole thing again, with Skrill this time. Assuming you didn't create an account, your position is that Skrill merely acted as a payment processor, not as an e-money service, and as such you never had sight of, nor agreed to, their T&Cs.