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  • FIRST POST
    • rosie drew
    • By rosie drew 18th Aug 19, 1:59 PM
    • 34Posts
    • 8Thanks
    rosie drew
    Get my money back
    • #1
    • 18th Aug 19, 1:59 PM
    Get my money back 18th Aug 19 at 1:59 PM
    Hi

    I paid through PayPal a desposit for a training course. I chose this company as they had a logo of my beauty insurance company.

    However, when I asked for a quote from my current beauty insurance they denied having dealings with the training company.

    So, I tried to get my £500 deposit back.

    But Iíve lost the claim?

    PayPal said


    We've reviewed the transaction(s) and are denying your claim(s). The decision was made because the purchase is ineligible for PayPal Purchase Protection according to our User Agreement.

    We're sorry for any problems you may have experienced with the transaction(s).

    Iím not sure what this means? Help please.
Page 1
    • fwor
    • By fwor 18th Aug 19, 2:29 PM
    • 6,224 Posts
    • 4,280 Thanks
    fwor
    • #2
    • 18th Aug 19, 2:29 PM
    • #2
    • 18th Aug 19, 2:29 PM
    Have you read the PayPal Purchase Protection terms? Is there anything about the purchase that does not meet their requirements?

    One issue that you will have is that, if any offence has been committed by using someone else's logo, that is a matter between the two other parties - it is probably a copyright issue more than anything. If their advert made no claims about their relationship with the insurance company then you should not have assumed that there was one. Did they actually state that they had a commercially relationship of any kind?

    How long ago did you pay the deposit?
    • antrobus
    • By antrobus 18th Aug 19, 3:22 PM
    • 16,824 Posts
    • 23,814 Thanks
    antrobus
    • #3
    • 18th Aug 19, 3:22 PM
    • #3
    • 18th Aug 19, 3:22 PM
    The claim would be misrepresentation, that the OP had booked the course believing it to be endorsed by the insurance company, when in fact it wasn't.

    The claim for any refund should have been made to the training company in the first instance.
    • fwor
    • By fwor 18th Aug 19, 3:51 PM
    • 6,224 Posts
    • 4,280 Thanks
    fwor
    • #4
    • 18th Aug 19, 3:51 PM
    • #4
    • 18th Aug 19, 3:51 PM
    The claim would be misrepresentation
    Originally posted by antrobus
    You may be right, but I'm finding it hard to see what is being misrepresented.

    If the training company had included words to the effect that they are endorsed, then that would be misrepresentation. But just having a logo there doesn't mean much, because nobody could infer any meaning from that. Perhaps it just means that the training company get their insurance there?

    I'm not convinced that you could claim a refund from a company on the basis that they have a logo on their website, the meaning of which you do not know.
    Last edited by fwor; 18-08-2019 at 3:54 PM.
    • jonesMUFCforever
    • By jonesMUFCforever 18th Aug 19, 4:17 PM
    • 26,044 Posts
    • 13,226 Thanks
    jonesMUFCforever
    • #5
    • 18th Aug 19, 4:17 PM
    • #5
    • 18th Aug 19, 4:17 PM
    Can I ask one thing?
    Have you got the course that you wanted?
    Last edited by jonesMUFCforever; 18-08-2019 at 5:59 PM.
    What goes around - comes around
    give lots and you will always receive lots
    • mattyprice4004
    • By mattyprice4004 18th Aug 19, 9:04 PM
    • 4,151 Posts
    • 3,802 Thanks
    mattyprice4004
    • #6
    • 18th Aug 19, 9:04 PM
    • #6
    • 18th Aug 19, 9:04 PM
    PayPal are just the payment processor, you’ll have to go after the company directly if you want a resolution.
    • sheramber
    • By sheramber 21st Aug 19, 12:21 PM
    • 7,036 Posts
    • 5,292 Thanks
    sheramber
    • #7
    • 21st Aug 19, 12:21 PM
    • #7
    • 21st Aug 19, 12:21 PM
    What is the connection between the training course and getting a quote from your insurance company?

    What was the quote for?

    You would only have a claim through Paypal if they did not deliver the course.

    Just for changing your mind you have no claim.
    • cedrag
    • By cedrag 21st Aug 19, 12:37 PM
    • 8 Posts
    • 11 Thanks
    cedrag
    • #8
    • 21st Aug 19, 12:37 PM
    • #8
    • 21st Aug 19, 12:37 PM
    Hi

    I paid through PayPal a desposit for a training course. I chose this company as they had a logo of my beauty insurance company.

    However, when I asked for a quote from my current beauty insurance they denied having dealings with the training company.

    So, I tried to get my £500 deposit back.

    But I’ve lost the claim?

    PayPal said


    We've reviewed the transaction(s) and are denying your claim(s). The decision was made because the purchase is ineligible for PayPal Purchase Protection according to our User Agreement.

    We're sorry for any problems you may have experienced with the transaction(s).

    I’m not sure what this means? Help please.
    Originally posted by rosie drew
    Sounds like this was a business to business transaction to me, and therefore you have NO CONSUMER RIGHTS in this regard.
    • Manxman in exile
    • By Manxman in exile 21st Aug 19, 1:01 PM
    • 2,856 Posts
    • 2,544 Thanks
    Manxman in exile
    • #9
    • 21st Aug 19, 1:01 PM
    • #9
    • 21st Aug 19, 1:01 PM
    What is a "beauty insurance company"?
    • Aylesbury Duck
    • By Aylesbury Duck 21st Aug 19, 1:49 PM
    • 4,505 Posts
    • 6,003 Thanks
    Aylesbury Duck
    What is a "beauty insurance company"?
    Originally posted by Manxman in exile
    No idea, and if I had a policy I'd be stinking rich by now.
    • rosie drew
    • By rosie drew 2nd Sep 19, 7:02 AM
    • 34 Posts
    • 8 Thanks
    rosie drew
    The claim would be misrepresentation, that the OP had booked the course believing it to be endorsed by the insurance company, when in fact it wasn't.

    The claim for any refund should have been made to the training company in the first instance.
    Originally posted by antrobus
    I did get straight back to the training company and they have said I have no claim and wonít get my money back.

    I tried to claim through PayPal and raised a dispute and then appealed against my loss. They say they couldnít help.
    • rosie drew
    • By rosie drew 2nd Sep 19, 7:05 AM
    • 34 Posts
    • 8 Thanks
    rosie drew
    Have you read the PayPal Purchase Protection terms? Is there anything about the purchase that does not meet their requirements?

    One issue that you will have is that, if any offence has been committed by using someone else's logo, that is a matter between the two other parties - it is probably a copyright issue more than anything. If their advert made no claims about their relationship with the insurance company then you should not have assumed that there was one. Did they actually state that they had a commercially relationship of any kind?

    How long ago did you pay the deposit?
    Originally posted by fwor
    I they didnít claim that I assumed. Thanks
    • rosie drew
    • By rosie drew 2nd Sep 19, 7:06 AM
    • 34 Posts
    • 8 Thanks
    rosie drew
    The claim would be misrepresentation, that the OP had booked the course believing it to be endorsed by the insurance company, when in fact it wasn't.

    The claim for any refund should have been made to the training company in the first instance.
    Originally posted by antrobus
    I tried this and they refused to cancel my place on the course or give, the deposit back.
    • rosie drew
    • By rosie drew 2nd Sep 19, 7:07 AM
    • 34 Posts
    • 8 Thanks
    rosie drew
    You may be right, but I'm finding it hard to see what is being misrepresented.

    If the training company had included words to the effect that they are endorsed, then that would be misrepresentation. But just having a logo there doesn't mean much, because nobody could infer any meaning from that. Perhaps it just means that the training company get their insurance there?

    I'm not convinced that you could claim a refund from a company on the basis that they have a logo on their website, the meaning of which you do not know.
    Originally posted by fwor
    Yes, I guess this is the case. Thanks
    • rosie drew
    • By rosie drew 2nd Sep 19, 7:09 AM
    • 34 Posts
    • 8 Thanks
    rosie drew
    Oh well, thanks for your replies. Lesson learnt I guess.
    • Colin_Maybe
    • By Colin_Maybe 2nd Sep 19, 8:50 AM
    • 4,503 Posts
    • 2,619 Thanks
    Colin_Maybe
    What is a "beauty insurance company"?
    Originally posted by Manxman in exile
    I'm still wondering what this is myself?
    • Paul_DNAP
    • By Paul_DNAP 2nd Sep 19, 12:03 PM
    • 656 Posts
    • 808 Thanks
    Paul_DNAP
    It's a workplace/public liability package designed specifically for beauty/therapy professionals.
    (Although I could be wrong, I often am.)
    • Mr_Singleton
    • By Mr_Singleton 2nd Sep 19, 3:15 PM
    • 1,479 Posts
    • 2,407 Thanks
    Mr_Singleton
    But just having a logo there doesn't mean much, because nobody could infer any meaning from that.
    Originally posted by fwor
    So when you see an ABTA logo on a travel agents brochure or a Gas Safe Register logo on boiler repair advert itís meaningless is it?
    • davidmcn
    • By davidmcn 2nd Sep 19, 3:33 PM
    • 12,851 Posts
    • 14,587 Thanks
    davidmcn
    So when you see an ABTA logo on a travel agents brochure or a Gas Safe Register logo on boiler repair advert itís meaningless is it?
    Originally posted by Mr_Singleton
    It doesn't mean you necessarily have a case against ABTA or the Gas Safe Register.
    • NBLondon
    • By NBLondon 3rd Sep 19, 8:24 AM
    • 2,938 Posts
    • 14,936 Thanks
    NBLondon
    OK... Now one thing I have occasionally done in my working life is challenge companies who use my employer's name and logo to imply a connection or endorsement where none exists - on the grounds that it may mislead (potential) customers. This is what happened to the OP. As fwor said - a specific claim of "we are approved by X" is easy to challenge as untrue; display of the logo a little more vague. Does your insurance company actually have an approved list - or a scheme that says you get reduced premiums for training with an approved company? If so - then the case for mis-representation is a bit stronger. If it was a professional or regulatory body logo being mis-used then even more so as that might be a case for Trading Standards.

    Unless you can point to any provable untruth in the contract or order form or receipt or whatever, you might have to suck it up and take the training (which you presumably wanted in the first place) knowing that the company possibly isn't the best on offer. Sorry....
    "I spent a lot of money on booze, birds and fast cars. The rest I just squandered."
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