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is this policy fair?

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Comments

  • LadyDee
    LadyDee Posts: 4,293 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Why would anybody buy from a company without first reading what their terms are? Time and again I've seen something online for sale by a company, read through their T&Cs, refunds and returns policy, searched for reviews and then bought from somewhere else. By assuming something could go wrong before I buy and judging what might happen, I have so far been fortunate enough to have avoided problems with online purchases.

    It's not rocket science - do your checks before parting with your cash!
  • photome
    photome Posts: 16,680 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Bake Off Boss!
    LadyDee wrote: »
    Why would anybody buy from a company without first reading what their terms are? Time and again I've seen something online for sale by a company, read through their T&Cs, refunds and returns policy, searched for reviews and then bought from somewhere else. By assuming something could go wrong before I buy and judging what might happen, I have so far been fortunate enough to have avoided problems with online purchases.

    It's not rocket science - do your checks before parting with your cash!

    Me too

    a fool and their money etc

    OP, not saying you are a fool
  • reason2
    reason2 Posts: 362 Forumite
    i work on the assumption that the terms and conditions are fair and legal.

    if they are not, then they are not enforceable anyway.
    if they are i am more than happy to be bound by them regardless.

    In this case i believe them not to be so regardless of if i read these or not, i should get a full refund anyway.
  • LadyDee
    LadyDee Posts: 4,293 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    reason2 wrote: »
    i work on the assumption that the terms and conditions are fair and legal.

    if they are not, then they are not enforceable anyway.
    if they are i am more than happy to be bound by them regardless.

    In this case i believe them not to be so regardless of if i read these or not, i should get a full refund anyway.

    In an ideal world everybody would be honest, all companies would treat their customers fairly, you'd never need to read terms and conditions, there wouldn't be the need for any consumer rights legislation.

    As you have found, we do not live in such a world and perhaps surprisingly we have to take reasonable care and exercise a measure of responsibility for our actions.
  • mije1983
    mije1983 Posts: 3,665 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Name Dropper
    reason2 wrote: »
    i work on the assumption that the terms and conditions are fair and legal.

    if they are not, then they are not enforceable anyway.
    if they are i am more than happy to be bound by them regardless.

    In this case i believe them not to be so regardless of if i read these or not, i should get a full refund anyway.


    Unfortunately that is a rose tinted view of things and hasn't worked out too well in this case! Why make things harder for yourself than they need to be?

    The issue with your view is that if a company has obviosuly illegal terms and they are not enforceable, they are also not likely to be willing to refund you without a fight. Your time spent fighting these companies is far in excess of the couple of minutes it would take you to read Ts&Cs before the purchase. In this case you could be lucky as it is clearly a UK based business, but if it was (for example) Chinese, you'd have little chance of getting your money back.

    If they are still refusing your legal rights, it's time for a LBA. If that fails, follow through with court action.
  • photome
    photome Posts: 16,680 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Bake Off Boss!
    reason2 wrote: »
    i work on the assumption that the terms and conditions are fair and legal.

    if they are not, then they are not enforceable anyway.
    if they are i am more than happy to be bound by them regardless.

    In this case i believe them not to be so regardless of if i read these or not, i should get a full refund anyway.

    All good if that company plays ball when you have issues, not so good if they dont and if not in the UK you cant make them.
  • Sncjw
    Sncjw Posts: 3,567 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    If the quote is correct I love how they mention the law in the a
    Mortgage free wannabe 

    Actual mortgage stating amount £75,150

    Overpayment paused to pay off cc 

    Starting balance £66,565.45

    Current balance £58,108

    Cc around 8k. 

  • Sncjw
    Sncjw Posts: 3,567 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 28 June 2018 at 9:10AM
    I love how they say the laws of {address removed} as if they have their own set of laws which are exempt from the laws of the UK.

    Have you mentioned distance selling regulation.
    Mortgage free wannabe 

    Actual mortgage stating amount £75,150

    Overpayment paused to pay off cc 

    Starting balance £66,565.45

    Current balance £58,108

    Cc around 8k. 

  • unholyangel
    unholyangel Posts: 16,866 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 28 June 2018 at 9:10AM
    Sncjw wrote: »
    I love how they say the laws of {address removed} as if they have their own set of laws which are exempt from the laws of the UK.

    Have you mentioned distance selling regulation.

    DSRs haven't applied to contracts for nearly 4 years.

    It was repealed by the Consumer Contract (Information, Cancellation & Additional Charges) Regulations 2013.
    You keep using that word. I do not think it means what you think it means - Inigo Montoya, The Princess Bride
  • mije1983
    mije1983 Posts: 3,665 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Name Dropper
    edited 28 June 2018 at 9:10AM
    Sncjw wrote: »
    I love how they say the laws of {address removed} as if they have their own set of laws which are exempt from the laws of the UK.

    Judging by their terms, it seems {address removed} does indeed have different laws to the rest of the UK! :rotfl:

    Sncjw wrote: »
    Have you mentioned distance selling regulation.

    It's the Consumer Contracts Regulations now, but I would hazard a guess that this company has heard of neither anyway!
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