Trying to get a deposit back on a puppy

Nannytone

If the non-refundable deposit was refundable at any time either before meeting the puppies or after, what point would there be in taking a deposit at all ?

born_again

Puppylove1980 said:

I realise most people have found this amusing, so to humour you all, I'll add a few details-
The seller has:
A genuine Facebook profile with photos of both this litter and previous litters of both this breed and another breed. Also including their 'day job' which is confirmed by a search on companies house.
An email address that is very much in the public domain, linked to her address and the family business.
A mobile number that is linked to the company.
Our initial discussions included:
Unusual for them to operate at all online- usually sell to friends, friends of friends, etc. 
Insistent on the final decision being made AFTER meeting them, the puppies, Mother dog etc
Deposit not being a commitment beyond having the choice of one of 3 dogs of a particular colour (9 puppies in total)
Bank details matching all the information we'd researched (one of us works in banking)

This wasn't us buying a dog blind from a website. This wasn't us buying a puppy; it was done, in grace, to get the next choice when we finally met the litter. 

This wasn't us making a decision on a whim- we researched the seller, spoke to them on the phone and agreed that the deposit would be returned if we changed our mind at anytime before meeting the litter or when we met them. We were in pretty constant contact with until we decided to pull out. 

I totally get that many will see this as stupid, I've already accepted the naivety of it, and I understand that regular users of this forum read so many naive pleas for help that it's easy to belittle people.
I'm kindly asking, on a very famous money related forum- renowned for it's community spirit, for any kind of guidance about the legalities of all this or a way we can encourage the seller to be more co-operative. 
If the answer is that there is absolutely nothing we can do about it then great, we take that on the chin, but if there is anyone who has any fact-based information that could help us out that would be hugely appreciated. 

Hope your employer is aware of that.... Or expect a nasty surprise if it comes up in a audit.
Not that even asking would get approval given to check anything for personal use on a banks system....
Basically all you can do is check your own account balance, want anything further, then you have to call as a customer. 

hollydays

From what I'm seeing, the op has done nothing wrong . Not sure what you're talking about

TripleH

Hollydays, I think born_again is possibly implying the Op or their partner may have searched the internal bank database for personal use. Am sure this isn't the case as that would be heavily frowned upon.
There are I am sure legitamate actions not in breach of privacy laws and codes of conduct whichbis what the Op followed.

hollydays

TripleH said:

Hollydays, I think born_again is possibly implying the Op or their partner may have searched the internal bank database for personal use. Am sure this isn't the case as that would be heavily frowned upon.
There are I am sure legitamate actions not in breach of privacy laws and codes of conduct whichbis what the Op followed.

That's one hell of an assumption though ..🙂Don't know why they would make that leap

Hermione_Granger

hollydays said:

TripleH said:

Hollydays, I think born_again is possibly implying the Op or their partner may have searched the internal bank database for personal use. Am sure this isn't the case as that would be heavily frowned upon.
There are I am sure legitamate actions not in breach of privacy laws and codes of conduct whichbis what the Op followed.

That's one hell of an assumption though ..🙂Don't know why they would make that leap

I don't think it's that big of an assumption.
The OP stated that:

Bank details matching all the information we'd researched (one of us works in banking)

which as they state that one of them works in banking, could easily be taken to mean that the bank details they have been given have been checked against the other information they have and that this check was done using facilities available as a banking employee.
I realise that this might not be the case but simply the fact that they mentioned their banking connection raises a suspicion that what born_again thought is a reasonable idea.

soolin

Hermione_Granger said:

hollydays said:

TripleH said:

Hollydays, I think born_again is possibly implying the Op or their partner may have searched the internal bank database for personal use. Am sure this isn't the case as that would be heavily frowned upon.
There are I am sure legitamate actions not in breach of privacy laws and codes of conduct whichbis what the Op followed.

That's one hell of an assumption though ..🙂Don't know why they would make that leap

I don't think it's that big of an assumption.
The OP stated that:

Bank details matching all the information we'd researched (one of us works in banking)

which as they state that one of them works in banking, could easily be taken to mean that the bank details they have been given have been checked against the other information they have and that this check was done using facilities available as a banking employee.
I realise that this might not be the case but simply the fact that they mentioned their banking connection raises a suspicion that what born_again thought is a reasonable idea.

I have worked in 2 major banks and searching customer information for private use would be considered gross misconduct. I’m sure no one on here would be comfortable by the idea that anyone, perhaps an acquaintance  or the person you had an argument with on twitter or whatever could look up your address and phone details using their position in a bank.

Perhaps though the OP didn’t actually mean what they said .

Grumpy_chap

Puppylove1980 said:

My partner agreed to pay a non-refundable deposit 

the seller told as,  that she'd pay back the deposit 

A non-refundable deposit that can be paid back is nonsense!

How much was the deposit?

You probably need to chalk this one up to experience as lost.

Hermione_Granger

soolin said:

I have worked in 2 major banks and searching customer information for private use would be considered gross misconduct. I’m sure no one on here would be comfortable by the idea that anyone, perhaps an acquaintance  or the person you had an argument with on twitter or whatever could look up your address and phone details using their position in a bank.

Perhaps though the OP didn’t actually mean what they said .

It happens with people accessing details on police computers
https://www.telegraph.co.uk/news/2019/11/07/police-officers-illicitly-access-police-computers-including/
 so I'm sure that it occasionally happens on other systems as well.
Don't get me wrong. I'm not stating or implying that this is what the OP did, I'm simply saying that from the way their post is worded, I can see why some people could easily assume that this is what happened.

soolin

Hermione_Granger said:

soolin said:

I have worked in 2 major banks and searching customer information for private use would be considered gross misconduct. I’m sure no one on here would be comfortable by the idea that anyone, perhaps an acquaintance  or the person you had an argument with on twitter or whatever could look up your address and phone details using their position in a bank.

Perhaps though the OP didn’t actually mean what they said .

It happens with people accessing details on police computers
https://www.telegraph.co.uk/news/2019/11/07/police-officers-illicitly-access-police-computers-including/
 so I'm sure that it occasionally happens on other systems as well.
Don't get me wrong. I'm not stating or implying that this is what the OP did, I'm simply saying that from the way their post is worded, I can see why some people could easily assume that this is what happened.

I read it the same way.