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Klarna financing and Micro scooters
Viva43
Posts: 6 Forumite
in Credit cards
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.
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Comments
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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
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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.0 -
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.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.0 -
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.Life in the slow lane2
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