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

Franz_Ferdinand

ryouga wrote: »

Of course you are missing out on the idea that I wouldn't of done it in normal circumstances, so it wasn't buyers remorse as I didn't want them in the first place.

You should have kept walking. It must be easier for you to avoid people than to speak to them.

[Deleted User]

ryouga wrote: »

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 fully realise you can't afford £210 for face cream, that's why I suggested you remove the temptation by cutting up your card. Why do you need to build "credit score", while you are on benefits? Are you intending taking a loan? All that will achieve is more debt. If you are not intending to take a loan, then you don't need to worry about your credit score.

This thread is running on, but the facts are that you now have a credit card bill for £210 and you do not want your purchases. I suggest closing your credit card account and selling the cream on E-Bay (or similar) for whatever you can raise.

I am not criticising your behaviour, simply suggesting how you can avoid it happening in the future.

£210 is more than two weeks income for you.That's a large proportion.

ryouga

I forgot to say I went in today before I went back home (it was in Edinburgh by the way) and I noticed only one of the guys was there at time and I asked about refund and he was taken aback and said only the boss of the company can refund, but did give me an email address, at which point the one who did the hard sale came back and as soon as he heard I wanted a refund looked shocked too even when I said I could not afford it, I didn't work, I had bills to pay etc just went "but you need to treat your skin good"

So I have an email address but doubt I will get anywhere.

ryouga

Moneyineptitude wrote: »

I fully realise you can't afford £210 for face cream, that's why I suggested you remove the temptation by cutting up your card. Why do you need to build "credit score", while you are on benefits? Are you intending taking a loan? All that will achieve is more debt.

When I was younger I got into bad debt, mostly for a few reasons such as I had a bank overdraft and they removed it and started charging me like £30 a day in fees so a £300 overdraft became into the thousands, and when I lost a job I couldnt repay a credit card more than £5 a month (was only like a £500 debt) so they added fees.

So basically every debt I had when younger was down to fees and around times when I lost jobs. These days I am intentionally thrifty.

Its more so because I currently have a sim only for phone because my credit rating was so bad I was turned down for 4 out of the then 5 networks, I don't plan to get any credit in near future as the repayment rates are so high but in the long term future I plan to of course settle down, have a family etc so debt will come into that.

takman

ryouga wrote: »

I forgot to say I went in today before I went back home (it was in Edinburgh by the way) and I noticed only one of the guys was there at time and I asked about refund and he was taken aback and said only the boss of the company can refund, but did give me an email address, at which point the one who did the hard sale came back and as soon as he heard I wanted a refund looked shocked too even when I said I could not afford it, I didn't work, I had bills to pay etc just went "but you need to treat your skin good"

So I have an email address but doubt I will get anywhere.

Going back and asking for a refund is a far more difficult task than just saying "no thanks" and walking in the opposite direction when they tried to sell you the goods!.

[Deleted User]

ryouga wrote: »

I doubt I will get anywhere.

You certainly have no Consumer Right to a refund and it's very unlikely you'll get any sympathy from the company, even if you tell them of your medical condition.

You need to learn from this experience, whatever you do with regard to continuing to hold a credit card.

ryouga

takman wrote: »

Going back and asking for a refund is a far more difficult task than just saying "no thanks" and walking in the opposite direction when they tried to sell you the goods!.

Depends on the reasoning, I couldn't do it when two of them where there, I only decided to risk it when one was there, and even then was stammering a lot, but I just felt that much more prepared than being stopped out of the blue.

I suppose it felt more like a position of power even if thats mad.

Bogalot

Moneyineptitude wrote: »

I fully realise you can't afford £210 for face cream, that's why I suggested you remove the temptation by cutting up your card. Why do you need to build "credit score", while you are on benefits? Are you intending taking a loan? All that will achieve is more debt. If you are not intending to take a loan, then you don't need to worry about your credit score.

This thread is running on, but the facts are that you now have a credit card bill for £210 and you do not want your purchases. I suggest closing your credit card account and selling the cream on E-Bay (or similar) for whatever you can raise.

I am not criticising your behaviour, simply suggesting how you can avoid it happening in the future.

£210 is more than two weeks income for you.That's a large proportion.

I was on disability benefits, but I still had a credit card because I didn't plan to be on them forever. Once I was in work I got a mortgage, something I wouldn't have been able to do with zero credit history.

Some credit cards give cashback, all CCs give s. 75 protection for purchases over £100. Should someone on benefits be barred from using these?

OP knows they've messed up, they don't need your opinion on whether they should be allowed a credit card or not.

Mr.Generous

Tip for next time

Sorry I'm in a rush late for an appointment,
Sorry, but I'm not interested.
I don't have a debit card or credit card, I am an un-discharged bankrupt.
I am really not interested thanks.
How much? For that stuff? You have to be kidding, I have less than £10 to last me till month end.
I'M NOT INTERESTED NOW GET OUT OF MY WAY !!!


Fortunately you will have realised there is no advantage in building your credit score as someone has said and cut up your credit card. The lengthy repayment schedule will serve as a painful reminder that you need to assert yourself. Other people who approach you may well be looking out for themselves and want your money. Your job is to hang onto it.

[Deleted User]

Bogalot wrote: »

OP knows they've messed up, they don't need your opinion on whether they should be allowed a credit card or not.

I have never once said the the OP shouldn't be "allowed" a card.

I questioned whether it was wise to hold a card that the OP might be tempted to use in the manner that caused the "mess up" in the first place.
He is of course at liberty to hold any credit card a lender will offer him.

As for my opinion being somehow disallowed, I think you'll agree opinions are what an internet forum is all about.