Klarna financing and Micro scooters

Viva43

I recently bought a Micro scooter for my sons birthday. When checking out I was offered the chance to pay in 30 days using Klarna. I had no issue paying then, but thought why not, as it states "with no extra cost". So a month later I pay using my credit card. A week later I see a cash transaction fee for £4.99 on my card balance. I ring and query it. Apparently as it is a finance agreement they treat it as cash, I can also expect to face interest on it until the full balance of my card is paid. I have rung micro scooters and currently awaiting a call back. On investigation I discover that Klarna are well aware, that some card providers (Tesco, Halifax and Bank of Scotland) are doing this and instructs for me to raise a dispute with my card provider. I also realise that Micro scooters are breaking the Consumer rights act 2015. It should state (some card providers will charge for this service). I will be asking for my fees to be paid and that they change their wording to save others. I thought it would be worth posting here too for anyone else.

Tildaplum

Yes Tesco are doing this - I would vote with my feet

https://www.dailymail.co.uk/money/cardsloans/article-8052009/Will-charged-fee-using-credit-card-pay-Klarna.html

afis1904

No one of breaking the consumer rights act. Klarna state that some credit card companies see this as a cash transaction.

Your issue is not with the retailer who got nothing to do with it and not really with Klarna but with the credit card issuer.

Viva43

afis1904 said:

No one of breaking the consumer rights act. Klarna state that some credit card companies see this as a cash transaction.

Your issue is not with the retailer who got nothing to do with it and not really with Klarna but with the credit card issuer.

Ah but as Klarna is aware of this, so should micro scooters and  have a note (some providers may charge for this service). They are breaking the Consumer rights act by not informing it's customers. 

born_again

Why would a retailer be aware that a credit co (Klana) you are being passed to might get charged a fee when paying by credit card.
Most people taking credit would pay off by debit card. As they do not have access to a credit card.

Also be aware that by taking credit via this 3rd party you are losing out on your credit cards S75 and chargeback rights.