Intimidated into purchasing over £200 of goods I didn't want.

[Deleted User]

arcon5 wrote: »

surely a person reliant on benefits is MORE likely to need access to additional funds, especially at this particularly expensive time of year.

A credit card is not access to "additional" funds, though. It's an expensive loan. It has to be paid back with interest, something someone on benefits is unlikely to be able to do.

arcon5 wrote: »

benefits don't make you rich or leave masses of surplus.

Exactly why having a credit card while in receipt of benefits is usually a bad idea, but is definitely a bad idea in the case of the Op who has purchased goods he did not need or want and will now struggle to pay for.

DCFC79

OP I get your anxious and everything but you do need to learn how to deal with these situations.

Just say and walk away, continue saying thanks but no, say you dont have time to chat or something like my time is precious/important.

Might have missed it but what shopping centre was this ?

Whats this about narrow lanes ?

If someone is blocing your way you go round them, obviously dont barge into people but you work your way through the throng of shoppers.

Christmas doesnt have to be expensive, it can be done cheaper, stick to a sensible limit per person.

Manxman_in_exile

I would be complaining to the management of the shopping centre.

Franz_Ferdinand

Manxman_in_exile wrote: »

I would be complaining to the management of the shopping centre.

Can you make a complaint for buyers remorse?

SnowTiger

Don't distance selling or buying off premises rules apply here, giving the OP the ability to cancel the contract and receive a refund?

I think OP is over-egging their "disability" a bit. An income of £70 a week suggests they receive Job Seeker's Allowance, not ESA or DLA/PIP.

ryouga

daytona0 wrote: »

I did pick up that on your previous posts...

BUT I'd just like to point out that you seem capable of performing such tasks as:


- Eating a 3 course meal in a restaurant on Elm Row.

- Going to subway to order a snack.

- Organising hotels + reimbursement (you have to hand in the hotel receipt to claim expenses when visiting the prison).

- Organising, and travelling on, a train to Edingburgh (I believe you even did a multi-leg journey!)

- Visiting a prison! (that's one of the few places which would make ME anxious!)

- Living with other people (even if it sounded like a hellhole)


Sorry but your autism and anxiety does not seem to be severe enough to be hindering your ability to function normally! That's why your situation is really 50-50 here, because it is hard to relate to you! If you were an old man/woman, or someone with SEVERE autistm/anxiety (to the point where you could not plan journeys, or use public transport), then 100% on your side. But you're not! I've worked with autistic children previously and I tell you what but they couldn't even begin to write a post as coherently as yours! Many of them were learning "basic life skills" as part of their education!

You are perfectly capable of contracting with food/transportation/accomodation companies, and you cope with using their services. Why should it be different with a cosmetic trader/company who did a bit of a hard sell on you? You seem sufficiently capable of walking away, or adopting a coping strategy, based on your previous posts!

Be careful about using disability as a way of eliminating personal responsibility in situations like this! Once you start doing that, it throws questions into the mix such as:

- Should you be doing trips without supervision?
- Do you need a carer?
- Are you of sound mind to be planning your own trips?
- Should you be going to the doctor/on meds?
- Are you capable of contracting with other companies?

Lots of questions which could end up reducing your own independence! SOD THAT!

You work with autistic children, that means you know theres such thing as a SPECTRUM! to let you know I may not leave the house for days most of times is about every 5 days on average, has been 10 days and even more than 2 weeks on some occasions.

I used to get carers until local cutbacks stopped them.

Though I can do things so often I have left things too late

When I leave the house im lucky if I can just go to town, have a quick window shop in a few places then come home, anything even travelling to next town along I find impossible.

You see coping as meaning I could be bricking it as they say and in such severe anxiety I pay to get him to leave me alone.

I only recently found myself able to deal with chuggers, before that I used to listen to their pitch then agree to sign up then just cancel direct debit.

In fact had door to door salesman change my utility provider recently as didn't want to argue,

I only have the isp I have as it was door to door sales (was happy with previous one)

ryouga

Moneyineptitude wrote: »

A credit card is not access to "additional" funds, though. It's an expensive loan. It has to be paid back with interest, something someone on benefits is unlikely to be able to do.

Exactly why having a credit card while in receipt of benefits is usually a bad idea, but is definitely a bad idea in the case of the Op who has purchased goods he did not need or want and will now struggle to pay for.

For your information what I do is I use the card to make everyday purchases and pay the amount in full at end of month, that means I build credit score, I don't have the disposable income to spend on things like this though I don't struggle to put food on table due to yellow sticker food.

SnowTiger wrote: »

Don't distance selling or buying off premises rules apply here, giving the OP the ability to cancel the contract and receive a refund?

I think OP is over-egging their "disability" a bit. An income of £70 a week suggests they receive Job Seeker's Allowance, not ESA or DLA/PIP.

To be honest its £100, I said £70 as was afraid people would say the usual things about people on benefits like I should be greatful for the money.

Franz_Ferdinand wrote: »

Can you make a complaint for buyers remorse?

Sure, a nerdy guy who doesn't even brush his hair, never uses products buys disposable razors, yellow sticker items and thinks £15 a night run down hotel is luxury.

Yeah I'm really going to buy £210 of eye cream when I could go to somewhere like the body shop and pay £10.

Bogalot

SnowTiger wrote: »

Don't distance selling or buying off premises rules apply here, giving the OP the ability to cancel the contract and receive a refund?

I think OP is over-egging their "disability" a bit. An income of £70 a week suggests they receive Job Seeker's Allowance, not ESA or DLA/PIP.

It's not off premises (or distance selling!), it is a market stall.

SnowTiger

Bogalot wrote: »

It's not off premises (or distance selling!), it is a market stall.

Yes, I see.

I thought it was one of those sellers that signed up punters and the items were delivered later.

Franz_Ferdinand

SnowTiger wrote: »

Yes, I see.

I thought it was one of those sellers that signed up punters and the items were delivered later.

Still wouldn't apply if the showed you the product.