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

unholyangel

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.

While I do agree that if you're financially restricted you should be very careful when it comes to credit, if you pay your bill off in full each month, you don't pay interest.

Bogalot wrote: »

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

I suppose that all depends on whether its an immovable "stall" where they carry out their business on a permanent basis or a movable stall they carry out their business on a usual basis. If its a market stall on an exceptional basis then off-premises would apply.

As for the autism...can affect everyone differently. Many people often go unnoticed because they "cope" so well. Doesn't mean they don't have any difficulties - especially in ad-hoc social situations with strangers that they haven't been able to prepare themselves for. Learning difficulties (and a list of other conditions) can be present alongside autism but its not actually part of autism iyswim.

ryouga

daytona0 wrote: »

They can't help you because YOU DON'T NEED HELP!!!!

On the evidence of your previous posts here, your autism or anxiety is not severe enough to stop you from functioning normally in society. You are capable of contracting with food, transportation and accommodation companies. Why is it different for a cosmetics one?

Look at this previous post:

Anyone who is severely autistic would struggle to write a post as coherently as that, let alone organise their own food, transport and accommodation! You may be on the autistic spectrum, but you don't come across like that in what you do and say (which is good).

Anyone who is severely anxious would not be talking about other restaurants to go to, going into a supermarket, going into a subway etc.

Catch my drift? Nothing wrong with you.*

So, based solely on the evidence on this forum, the contract is valid and you need to learn coping strategies.

If you want to still maintain that you are vulnerable here then you NEED to go back to the GP, because you shouldn't be doing things on your own. You also should have your credit card cut up IMMEDIATELY, because you cannot be trusted with money (seriously!). You should not be going out alone (which can include friend/family if no carer available). You need to be looking into charities and support groups for autistic/anxiety people as well.

*In the context of whether you can function normally or not.

Im not severely autistic in general terms howerer you have a blanket idea of how things work with anything, one moment I can be "coherent" or I should say stable, another I can be freaking out majorly but part of that reason is I bottle everything up so I can panic so much my heart races and it takes all my energy to stop flailing my arms about, actually i used to flail my arms in private when I was younger and stressed and that got rid of the stress.

Apply that to everyday life and 99 times out of 100 I would do nothing rather than something, so you see the 1 that I do and see it as coping, thats the same reason social work won't help me though I have a social worker, they say microwaving food means I can cook, even ordering take away means I can cook, wearing dirty clothes but using washing machine once a week means I can clean myself and so forth.

And to let you know I do get a lot of anger issues linked to the bottling up, I get abuse from someone and I want to hit them and know its wrong so don't, what happened to me was a variation of that, I was so anxious I wanted some extreme reaction to stop the anxiety.

It goes back to school when I would use my fists whenever I was bullied, even if they hit first and I always got the blame.

So you don't know me so can't say theres nothing wrong with me.

lozzy81 wrote: »

Edinburgh Waverly by any chance??

If it is, this guy tried to stop me and jumped in front of me.... wouldn't let me past, saying your skin needs this cream! just take a look here, sit down and i will show you.... told him i have no money to buy anything so don't waste your time, stepped to the side and carried on... but if i wasn't confident i could see how this guy would have put a hard sell on buying this !!!!....

Sadly i think a lesson learned and as others have suggested sell it on ebay or decant into smaller pots and give away as christmas presents, leave the card at home next time and say you can't afford it. No money, no sale, wasting your time... maybe a thanks to be polite!!! (i don't thank them!!)

Thats the guy

no1catman

Contact the credit card people - they may not pay the money to the company concerned and give you a refund to your card.
Not saying it will happen, but it's possible - so worth a call.

macman

no1catman wrote: »

Contact the credit card people - they may not pay the money to the company concerned and give you a refund to your card.
Not saying it will happen, but it's possible - so worth a call.

On what possible grounds? The trader did not obtain the payment by fraud. If the OP considers that it was paid under duress, then they should report it to the police.

daytona0

ryouga wrote: »

Im not severely autistic in general terms howerer you have a blanket idea of how things work with anything, one moment I can be "coherent" or I should say stable, another I can be freaking out majorly but part of that reason is I bottle everything up so I can panic so much my heart races and it takes all my energy to stop flailing my arms about, actually i used to flail my arms in private when I was younger and stressed and that got rid of the stress.

Yes, you are right, I do have a blanket idea It is probably why I get mis-interpreted a bit when discussing disability. My philosophy is to treat a disabled person like any other normal person wherever possible. I just don't think that some disabled people like that in fairness!!

But you can do things on your own! You can be trusted to contract with food/transport/accommodation companies on your own. You have coping mechanisms in place (flailing your arms to relieve stress is a nice example).

You are effectively arguing that, despite having such independence and the ability to adopt coping skills, you should be absolved of any responsibility when contracting with a hard-sell cosmetics company. It is very hard to relate to you for the sole reason that you seem to function fine in other similar situations (minus the hard sell).

You need to do the following:

1. Adopt a way of telling them to "go away" (or blank them! Just pretend they don't exist! Ironically, someone with autism could potentially end up unintentionally blanking someone like that). Much like your arm flailing. Much like how you manage to make train journeys. Much like how you manage to go to a Subway restaurant/supermarket which is staffed by random people you probably haven't seen before. Much like how you visit a prison.

2. Contact the police and report the intimidation/duress (or ask a family member/friend to contact them for you).

3. RIP UP YOUR CREDIT CARD - one of the side-effects of being the victim here is that it implies that you cannot be trusted with access to additional funds.

Wish you all the best in getting it resolved. Point 2 above is key (and point 3 is very important too, if you want to absolve your personal responsibility).... if you cannot go through with it due to your condition then you need to be begging the GP for more help (or ask them to contact the police for you?). If there was no duress then you need to be paying off the balance like any other person would