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

Consumerist · 28 June 2011 at 11:08PM

geordieracer wrote: »

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.

geordieracer · 28 June 2011 at 11:16PM

Consumerist wrote: »

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.

dazza.mk · 28 June 2011 at 11:25PM

Consumerist wrote: »

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.

smala01 · 29 June 2011 at 2:13AM

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

smala01 · 29 June 2011 at 2:16AM

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

donquine · 29 June 2011 at 7:30AM

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.mk · 29 June 2011 at 9:41AM

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)

DCFC79 · 29 June 2011 at 9:44AM

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,

chattychappy · 29 June 2011 at 10:18AM

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.

squeaky · 29 June 2011 at 12:44PM

Hi somethingelse,

When posting on behalf of a company you need the permission of MSE to do so. I'll quote the most relevant section of the Forum FAQs below for you...

Forum_Team wrote:

How do I get a right of reply on what's been said about my company?

If you're from a company, have seen a post you feel is defamatory or offensive and would like the right of reply please email the Forum Team at [EMAIL='forumteam@moneysavingexpert.com']forumteam@moneysavingexpert.com[/EMAIL] to ask.

A member of the MSE Team will carry out checks to confirm that you are authorised to represent the company in question.

Provided you have authority to represent your company, you may either be asked to give a statement, which one of the MSE Team will post on your behalf in reply, or be given permission to post directly on the specific thread.

Where permission has been given for you to post directly on a thread, a note from the MSE Team will appear on the thread confirming this.

If someone has posted claiming to be from a company but this has not been followed by a MSE Team note confirming authorisation please use the warning triangle in the bottom right of the post to report it, or email the link to [EMAIL='forumteam@moneysavingexpert.com']forumteam@moneysavingexpert.com[/EMAIL].

There is one, single exception to this rule. If you're from a company and have a discount code you'd like to offer MoneySavers this rule is waived in the Great Want to Offer MoneySavers a Discount? Hunt. You can post your discount once only, on that thread but nowhere else on the forum and shouldn't post about your company anywhere else on the forum.

.

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

Comments

Categories

Get our FREE Weekly email full of deals & guides - and it’s spam-free