Nike - don't know what to do next

Okell

holly_smith123 said:

Thank you for your comments. Sorry for the delay in coming back to you. Nike don't acknowledge any of my emails. And Klarna are now charging me late fees which is affecting my credit score. If I use my credit card to pay the outstanding amount (my only option as I don't have the funds), can I still pursue this with Nike? Although I have no idea how 

holly_smith123 said:

Thanks so much for replying, I will do exactly as you have said. 

Do you think I would be ok paying Klarna to clear the balance so it’s not affecting my credit score? 

Should the OP clear the Klarna balance while she waits (for however long) for Nike to refund?

born_again

voluted said:

born_again said:

Simple terms.
Think of PayPal as paying via your debit card from your bank, as they are just a payment processer.
Klarna is simply taking out finance.

No S75 against either when using them.

PayPal offer Pay in 3/PayPal Credit so they're not just a payment processor.

As I said in simple terms. There has been no mention of paypal credit. 👍
But yes, there is that option.

Ergates

Okell said:

holly_smith123 said:

Thank you for your comments. Sorry for the delay in coming back to you. Nike don't acknowledge any of my emails. And Klarna are now charging me late fees which is affecting my credit score. If I use my credit card to pay the outstanding amount (my only option as I don't have the funds), can I still pursue this with Nike? Although I have no idea how 

holly_smith123 said:

Thanks so much for replying, I will do exactly as you have said. 

Do you think I would be ok paying Klarna to clear the balance so it’s not affecting my credit score? 

Should the OP clear the Klarna balance while she waits (for however long) for Nike to refund?

I would say so - much like a credit card.

voluted

born_again said:

voluted said:

born_again said:

Simple terms.
Think of PayPal as paying via your debit card from your bank, as they are just a payment processer.
Klarna is simply taking out finance.

No S75 against either when using them.

PayPal offer Pay in 3/PayPal Credit so they're not just a payment processor.

As I said in simple terms. There has been no mention of paypal credit. 👍
But yes, there is that option.

Well you said using "PayPal" is just the same as using a debit card from the bank, which isn't correct if you're using PayPal Credit (which is PayPal at the end of the day.) You also said they're "just a payment processor" which isn't correct as they offer BNPL and Credit accounts.

born_again

voluted said:

born_again said:

voluted said:

born_again said:

Simple terms.
Think of PayPal as paying via your debit card from your bank, as they are just a payment processer.
Klarna is simply taking out finance.

No S75 against either when using them.

PayPal offer Pay in 3/PayPal Credit so they're not just a payment processor.

As I said in simple terms. There has been no mention of paypal credit. 👍
But yes, there is that option.

Well you said using "PayPal" is just the same as using a debit card from the bank, which isn't correct if you're using PayPal Credit (which is PayPal at the end of the day.) You also said they're "just a payment processor" which isn't correct as they offer BNPL and Credit accounts.

Whatever..🤦‍♀️

voluted

born_again said:

voluted said:

born_again said:

voluted said:

born_again said:

Simple terms.
Think of PayPal as paying via your debit card from your bank, as they are just a payment processer.
Klarna is simply taking out finance.

No S75 against either when using them.

PayPal offer Pay in 3/PayPal Credit so they're not just a payment processor.

As I said in simple terms. There has been no mention of paypal credit. 👍
But yes, there is that option.

Well you said using "PayPal" is just the same as using a debit card from the bank, which isn't correct if you're using PayPal Credit (which is PayPal at the end of the day.) You also said they're "just a payment processor" which isn't correct as they offer BNPL and Credit accounts.

Whatever..🤦‍♀️

If you're not willing to stand behind your comments, don't make them.

For the record it was you who brought up PayPal, not me.

born_again

voluted said:

born_again said:

voluted said:

born_again said:

voluted said:

born_again said:

Simple terms.
Think of PayPal as paying via your debit card from your bank, as they are just a payment processer.
Klarna is simply taking out finance.

No S75 against either when using them.

PayPal offer Pay in 3/PayPal Credit so they're not just a payment processor.

As I said in simple terms. There has been no mention of paypal credit. 👍
But yes, there is that option.

Well you said using "PayPal" is just the same as using a debit card from the bank, which isn't correct if you're using PayPal Credit (which is PayPal at the end of the day.) You also said they're "just a payment processor" which isn't correct as they offer BNPL and Credit accounts.

Whatever..🤦‍♀️

If you're not willing to stand behind your comments, don't make them.

For the record it was you who brought up PayPal, not me.

I was responding to another poster & they were not sure on the difference between Klarna & PayPal.
Pay Pal in it's true form is funded from either your bank or Credit card. Which is what I was saying in terms of Paymet Processer.

It is you that brought PP credit into the posts. 🤷‍♀️

Not getting into a argument on this.