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MSE news story: Habitat, Moben and others collapse: your rights - Page 2

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MSE news story: Habitat, Moben and others collapse: your rights

edited 30 November -1 at 1:00AM in Consumer Rights
52 replies 6.7K views
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  • edited 28 June 2011 at 11:11PM
    ConsumeristConsumerist Forumite
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    edited 28 June 2011 at 11:11PM
    Actually unemployment is down under this government http://www.statistics.gov.uk/cci/nugget.asp?id=12 and it started just before they got in and a little rise and its falling again
    But if this trend of established businesses going bust continues then there is a distinct danger of unemployment rising again and growth disappearing. Don't forget the plan is for the private sector to mop up the unemployment forecast for the public sector.
    >:)Warning: In the kingdom of the blind, the one-eyed man is king.
  • But if this trend of established businesses going bust continues then there is a distinct danger of unemployment rising again and growth disappearing. Don't forget the plan is for the private sector to mop up the unemployment forecast for the public sector.

    Of which there is an unturn of employment in other areas - manufacturing is just one of them. Im pretty sure that shops that have been struggling for the last year are not the ones who have been helping to get unemployment down.
    one of the famous 5:kiss:
  • dazza.mkdazza.mk Forumite
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    But if this trend of established businesses going bust continues then there is a distinct danger of unemployment rising again and growth disappearing. Don't forget the plan is for the private sector to mop up the unemployment forecast for the public sector.

    But the initial shakeout of businesses would be those that no longer have a sustainable business, ie someone mentioned going to Ikea rather than Habitat (even though for a few years until 2009 Habitat was owned by the Kamprad family - the founders of Ikea who couldn't turn it around).

    And one of the most high profile casualties in the recession Woolworths, where the original US parent company, F W Woolworths in the US effectively sold their Woolworths stores and backed into 'Footlocker' in the mid nineties and survives, whereas Woolworths UK & Woolworths Germany that continued with their own versions of the Woolworths model in their separate companies both went into liquidation in 2009.
  • smala01smala01 Forumite
    154 posts
    I bought a kitchen today (not from Moben) that lists each unit, plynth and door as a separate line item ALL under £100 each.

    Considering Section 75 - would this be viewed as a £3000 kitchen (good for section 75 protection) or a collection of separate "items" each under £100 (Bad for section 75 protection) ?

    I hadnt considered this implication and am considering going back tomorrow to have him hand write a recipt "1 X kitchen @ £3K" :)

    Smala01
  • smala01smala01 Forumite
    154 posts
    Also noticed that the bill is writen out to the lady of the house, but paid on my credit card!!

    Schoolboy error - i have no Section 75 protection at all.

    Let this be a warning to others!!

    Thanksfully i can go instore tomorrow to have this recitfied, others might not be so lucky

    Smala01
  • donquinedonquine Forumite
    695 posts
    I'm fairly sure I have a giftcard for Habitat lying around somewhere - anyone know if Habitat are still honouring giftcards, or should I just throw mine in the bin?
  • dazza.mkdazza.mk Forumite
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    smala01 wrote: »
    Also noticed that the bill is writen out to the lady of the house, but paid on my credit card!!

    Schoolboy error - i have no Section 75 protection at all.

    Let this be a warning to others!!

    Thanksfully i can go instore tomorrow to have this recitfied, others might not be so lucky

    Smala01

    It doesn't matter who the bill is written out to, the only thing that matters in that instance is was the payment made on your card , or on 'the lady of the house's additional card on your account? If the former no problem, the later falls into a 'grey area' where I think the FInancial Ombudsman says you wouldn't be covered.

    As long as it is paid on your card the Section 75 legal relationship exists (that is ignoring the £100 an item issue)
  • DCFC79DCFC79 Forumite
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    donquine wrote: »
    I'm fairly sure I have a giftcard for Habitat lying around somewhere - anyone know if Habitat are still honouring giftcards, or should I just throw mine in the bin?


    why not ask in store or call them,
  • edited 29 June 2011 at 10:21AM
    chattychappychattychappy Forumite
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    edited 29 June 2011 at 10:21AM
    dazza.mk wrote: »
    It doesn't matter who the bill is written out to, the only thing that matters in that instance is was the payment made on your card , or on 'the lady of the house's additional card on your account? If the former no problem, the later falls into a 'grey area' where I think the FInancial Ombudsman says you wouldn't be covered.

    As long as it is paid on your card the Section 75 legal relationship exists (that is ignoring the £100 an item issue)

    Probably. If the "lady" had the contractual relationship to buy the kitchen (ie made an offer to buy the kitchen which was accepted by the shop) and smala01 then appears on the scene to pay on his card then no s75 cover. But this is actually rare (even if the bill is written out that way). In most practical cases, the person who is presenting the card is making the purchase. Ie even if the "lady" placed the order, this wouldn't be accepted until smala01 gets his card out.

    If the bill is written out afterwards, then it is after the fact and rather irrelevant. If, on the other hand, it was an order signed by the "lady" in advance and accepted as binding, then it's more tricky.

    The key thing is that smala01 must have a contractual relationship with the merchant to buy the kitchen in order for s75 to join the CC.
  • squeakysqueaky Forumite
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