Cashback missing at Virgin Money

WillPS

confederated said:

WillPS said:

A sample of one isn't really proof of anything. 

Aren't all our comments effectively a sample of one? In a public forum we all give our point of view and it's up to other forum members to put everything together. Not sure how your comment is helpful. Do I need to do some sort of survey before I comment on a post?

The point is that by your own admission you haven't really tried ("I can’t be bothered with these cashback perks"), and yet you feel sufficiently experienced to confidently state that they're "not advantageous to the customer".

I put it to you that if you made a little effort you might better understand the value!

flaneurs_lobster

confederated said:

WillPS said:

A sample of one isn't really proof of anything. 

Aren't all our comments effectively a sample of one? In a public forum we all give our point of view and it's up to other forum members to put everything together. Not sure how your comment is helpful. Do I need to do some sort of survey before I comment on a post?

...talking of acerbic replies (and I spelled it proper).

confederated

If I responded to every point of view suggesting the comment was of little value because it was a 'sample of one' we'd get nowhere. Debate is about a plethora of ideas. Everyone should be welcome here. 

pedrodelgado

My approach is all the little amounts add up, isn't that why we use MSE? If you're not spending more on stuff from Asda than you were going to at Tesco then why not get 10% off? If there was a savings account with that interest it would be oversubscribed. It should work seamlessly , select the cashback, shop with the correct card (you don't even have to select the retailer with Virgin unlike Lloyds) and get the cashback. That's why I am after compensation. I kept my end of the bargain, Virgin didn't.

pedrodelgado

WillPS said:

confederated said:

WillPS said:

A sample of one isn't really proof of anything. 

Aren't all our comments effectively a sample of one? In a public forum we all give our point of view and it's up to other forum members to put everything together. Not sure how your comment is helpful. Do I need to do some sort of survey before I comment on a post?

The point is that by your own admission you haven't really tried ("I can’t be bothered with these cashback perks"), and yet you feel sufficiently experienced to confidently state that they're "not advantageous to the customer".

I put it to you that if you made a little effort you might better understand the value!

That last sentence sums it up. You generally have to make a bit of effort to gain something in life. 
If I need to buy literally anything, I see where it's cheapest then see if I have a cashback offer to make it cheaper. Five minutes every time to save £100+ a year. I get some might not think it worth their while, but I don't buy that (no pun) when they have time to come and post here.

confederated

pedrodelgado said:

That last sentence sums it up. You generally have to make a bit of effort to gain something in life. 
If I need to buy literally anything, I see where it's cheapest then see if I have a cashback offer to make it cheaper. Five minutes every time to save £100+ a year. I get some might not think it worth their while, but I don't buy that (no pun) when they have time to come and post here.

It’s interesting, I was just relating my feelings about the rewards system, others on here rush to tell me what I’m doing wrong - there’s a big difference between my observational post and their finger-wagging. Discussing an issue in an open forum does not invalidate what is said - I have time to do all sorts of things others might not, but I choose not to play along with discount schemes and suchlike. If I get some cashback through a purchase I’m happy, but I am not going to buy from a particular retailer just to avail myself of it. That’s exactly what the retailer wants me to do so I absolutely won’t. In any case I am not a fan of cashback generally - a few pennies here and there is not worth it to me. I invested in my education, got a decent job and now have a good pension so saving a few quid here or there just isn’t on my radar. Most people I know think similarly.

The comments above relate to me personally, I don’t have the audacity or arrogance to tell others what to do or how they should think.

pedrodelgado

confederated said:

pedrodelgado said:

That last sentence sums it up. You generally have to make a bit of effort to gain something in life. 
If I need to buy literally anything, I see where it's cheapest then see if I have a cashback offer to make it cheaper. Five minutes every time to save £100+ a year. I get some might not think it worth their while, but I don't buy that (no pun) when they have time to come and post here.

It’s interesting, I was just relating my feelings about the rewards system, others on here rush to tell me what I’m doing wrong - there’s a big difference between my observational post and their finger-wagging. Discussing an issue in an open forum does not invalidate what is said - I have time to do all sorts of things others might not, but I choose not to play along with discount schemes and suchlike. If I get some cashback through a purchase I’m happy, but I am not going to buy from a particular retailer just to avail myself of it. That’s exactly what the retailer wants me to do so I absolutely won’t. In any case I am not a fan of cashback generally - a few pennies here and there is not worth it to me. I invested in my education, got a decent job and now have a good pension so saving a few quid here or there just isn’t on my radar. Most people I know think similarly.

The comments above relate to me personally, I don’t have the audacity or arrogance to tell others what to do or how they should think.

Hope I haven't offended you, that was not my intention. I just wonder why you would take time to register and look at the mse (money savings expert) forum if you don't want to save a few quid here and there. Through my bank cashback and Airtime rewards I have got about £550 back over the last 2 years. As long as the company is reputable I will make my choice on where I buy from by price. I have no loyalty to one company and if one wants to give my 3,5,10% whatever back for buying from them, I will. 

confederated

pedrodelgado said:

Hope I haven't offended you, that was not my intention. I just wonder why you would take time to register and look at the mse (money savings expert) forum if you don't want to save a few quid here and there. Through my bank cashback and Airtime rewards I have got about £550 back over the last 2 years. As long as the company is reputable I will make my choice on where I buy from by price. I have no loyalty to one company and if one wants to give my 3,5,10% whatever back for buying from them, I will. 

No offence taken I’ve been around far too long for that.

For me the MSE forums are there to discuss finance generally, and more specifically in each forum. This particular forum is about budgeting and bank accounts, quite a wide remit. I have a 45 year interest in banking and have had accounts with every bank going, past and present. I’m just not interested in jumping through *any* hoops to procure a little cashback. Saving a few quid here or there is just not on my agenda. Pretty much everything else discussed in this forum certainly is. 

Eco_Miser

confederated said:

pedrodelgado said:

Hope I haven't offended you, that was not my intention. I just wonder why you would take time to register and look at the mse (money savings expert) forum if you don't want to save a few quid here and there. Through my bank cashback and Airtime rewards I have got about £550 back over the last 2 years. As long as the company is reputable I will make my choice on where I buy from by price. I have no loyalty to one company and if one wants to give my 3,5,10% whatever back for buying from them, I will. 

No offence taken I’ve been around far too long for that.

For me the MSE forums are there to discuss finance generally, and more specifically in each forum. This particular forum is about budgeting and bank accounts, quite a wide remit. I have a 45 year interest in banking and have had accounts with every bank going, past and present. I’m just not interested in jumping through *any* hoops to procure a little cashback. Saving a few quid here or there is just not on my agenda. Pretty much everything else discussed in this forum certainly is. 

There's a saying 'don't let the tax tail wag the investment dog' - the same applies to discount offers too.

pedrodelgado how low a percentage would cashback have to be before you didn't go out of your way to get it?

Nebulous2

Eco_Miser said:

confederated said:

pedrodelgado said:

Hope I haven't offended you, that was not my intention. I just wonder why you would take time to register and look at the mse (money savings expert) forum if you don't want to save a few quid here and there. Through my bank cashback and Airtime rewards I have got about £550 back over the last 2 years. As long as the company is reputable I will make my choice on where I buy from by price. I have no loyalty to one company and if one wants to give my 3,5,10% whatever back for buying from them, I will. 

No offence taken I’ve been around far too long for that.

For me the MSE forums are there to discuss finance generally, and more specifically in each forum. This particular forum is about budgeting and bank accounts, quite a wide remit. I have a 45 year interest in banking and have had accounts with every bank going, past and present. I’m just not interested in jumping through *any* hoops to procure a little cashback. Saving a few quid here or there is just not on my agenda. Pretty much everything else discussed in this forum certainly is. 

There's a saying 'don't let the tax tail wag the investment dog' - the same applies to discount offers too.

pedrodelgado how low a percentage would cashback have to be before you didn't go out of your way to get it?

There is a fundamental point that gets overlooked in this argument, the same point that gets missed in arguments as to whether switching bank accounts, or collecting regular savers is worth it. 

For some people this is a hobby, a point of interest, and as such they don't see it through your lens as 'going out of your way to get it.' 

I'm somewhere in the middle. I make use of cashback when I can, and pass where I think it's too much work. 

I was paying for four family mobiles for years, and it would have made a massive dent in my budget if I hadn't worked the cashback deals as hard as I could. I had no problem tracking all the dates and the regular flow of cheques made it worthwhile. 

I've had over £1500 from Quidco over the years. 

I've multiple bank accounts with offers on them, but there is a sameness about them, so I don't check them all. Halifax ones are often the best. 

I'm planning a trip to London and have been checking offers. One of my bank accounts gives 10% on Madame Tussauds tickets, and my blue light card gives 20%. If I intended going anyway, why wouldn't I use that? 

Yet I don't do them all. I'm not a fan of Asda, and we don't have one nearby. There is one reasonably near my work but I gave the recent 10% off a pass as I couldn't be bothered. 

However - just because this doesn't engage you - it doesn't mean that it doesn't work for others. 

We are all different - thankfully.