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Message for Shiggaddi (Read 28,591 times)
bbb_uk
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Re: Message for Shiggaddi
Reply #15 - Oct 29th, 2006 at 4:04pm
 
NGMsGhost wrote on Oct 29th, 2006 at 12:40pm:
I do consider using Switch where the merchant offers me a lower price.  Unfortunately though Switch is the worst payment method to use for an expensive online purchase like a notebook computer since if you buy your notebook PC for say £20 less than a reputable firm on a £700 purchase from DellBoy's bucket shops inc (or from a company in the USA) and it turns out to be a refurb or pre-owned when you get it you have no rights to put the transaction in dispute and all you can do is go to the Police or Trading Standards.  In the same way that Direct Debit is the safest and most protected way to pay for something unfortunately Switch is the most dangerous and gives you almost as few rights as paying for something in cash does.
Switch and Maestro are the same aren't they in that they are really basic debit cards that may not be accepted in all the places as Visa or MasterCard debit cards are.

I generally use my Nationwide debit card for purchasers where I've shopped with them before and not taking a 'chance' otherwise I use Nationwide Visa credit card as credit card offer more protection against companies going into receivership (eg Fairpack) as we can claim back from the credit card company and let them try and chase the money from the company concerned.
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Re: Message for Shiggaddi
Reply #16 - Oct 29th, 2006 at 5:16pm
 
bbb_uk wrote on Oct 29th, 2006 at 4:04pm:
Switch and Maestro are the same aren't they in that they are really basic debit cards that may not be accepted in all the places as Visa or MasterCard debit cards are.

I generally use my Nationwide debit card for purchasers where I've shopped with them before and not taking a 'chance' otherwise I use Nationwide Visa credit card as credit card offer more protection against companies going into receivership (eg Fairpack) as we can claim back from the credit card company and let them try and chase the money from the company concerned.


Maestro is of course in fact the replacement pan European branding for Switch if you will recall the tv adverts with the shuffling penguins ("where you saw Switch you'll see Maestro" etc) that ran on tv some time ago - its Mastercard's debit card brand.  Its rival is Visa Debit (formerly called Visa Delta) payment cards like the Nationwide blue cash and debit card.  I understand that as with Switch and Maestro you don't have payment protection as its a debit and not a credit card.  All credit cards offer protection over a certain minimum sum against the goods not being as described etc but protection against insolvency is an add on feature that some credit cards issuers choose to offer on some cards - like my now little used NatWest Gold Plus.  You should always try to use such a credit card with insolvency protection when paying up front for a service with a long subsequent duration like household or car insurance or so called free broadband deals that require you to pay for 18 months up front plus a connection fee like the now late lamented www.euro1net.co.uk

See http://en.wikipedia.org/wiki/Visa_Debit and http://en.wikipedia.org/wiki/Maestro_%28debit_card%29
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Re: Message for Shiggaddi
Reply #17 - Oct 29th, 2006 at 5:22pm
 
NGMsGhost wrote on Oct 29th, 2006 at 5:16pm:
All credit cards offer protection over a certain minimum sum against the goods not being as described etc but protection against insolvency is an add on feature that some credit cards issuers choose to offer on some cards - like my now little used NatWest Gold Plus.
It's my understanding that if you've paid for goods on the credit card (over a certain amount which I think is £100 but I'm sure that was reduced) and they go into insolvency then under the Credit hire agreement the credit cards are liable regardless of whether you have an all singing & dancing gold card, etc.  Things like warranties on electrical goods is an additional benefit available for which Nationwide Credit card has this on as standard.
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Re: Message for Shiggaddi
Reply #18 - Oct 29th, 2006 at 5:24pm
 
I always use my credit card wherever possible.  On ebay, I always use paypal with credit card, and give alot of caution to anyone not offering paypal.

If you go to a restaurant, then you settle up, fill up with petrol, or do your weekly shop, there's very little chance of finding something faulty (except food poisoning, lol) but if you order from a mail order company, buy online, or buy electrical goods from the high street, and find that your purchases are faulty after you buy them, then thats where the credit card protection will come in handy.

I used it on an ISP that went bust 6 years ago after offering a one off fee for a years worth of internet.  I also used it on an ebay trader who after building up reasonable feedback, and became a powerseller, ran alot of fake auctions, and then emptied their paypal account, and did a runner.

It is rare that this protection is needed, but like in the case of farepak, and other companies that go bust, it is needed.

Also, online companies that won't take credit cards should again be treated with caution.
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I realy hait itt wen peeple canot spel proply. Itt getts onn mye nervs sew mutch annd streses mee owt. Knot onley iz itt vary bade speling butt allso bade gramer.
 
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Re: Message for Shiggaddi
Reply #19 - Oct 29th, 2006 at 5:33pm
 
Looking here under the paragraph, Protection for credit cards, it reads:-

Quote:
Protection for credit cards

If somebody uses your card fraudulently or dishonestly (without your knowledge) for any kind of distance purchase, you can cancel the payment and the card issuer must refund you. You should notify your card issuer as soon as possible after you discover this fraudulent use, or if your card has been stolen.


That gives me the impression that you're covered regardless of the amount which is new and I believe is covered under the Distance Selling Regs 2000.  Normally, under the credit agreement it is over £100 but like I said I could have sworn this was lowered to £50.

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Re: Message for Shiggaddi
Reply #20 - Oct 29th, 2006 at 5:34pm
 
Shiggaddi wrote on Oct 29th, 2006 at 5:24pm:
It is rare that this protection is needed, but like in the case of farepak, and other companies that go bust, it is needed.


So bringing us back to the original topic how exactly did you pay DialAphone for the phone purchase?

Presumably if you paid on a credit card you might be able to put the original payment in dispute due to the cashback not being honoured?
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Re: Message for Shiggaddi
Reply #21 - Oct 30th, 2006 at 11:25am
 
I didn't pay Dialaphone for any purchase, as it was a free phone, and free delivery.

All I did was set up my direct debit details to pass onto vodafone, and I was automatically given their rip off insurance, which I had to cancel, rather than decline at purchase (another sneeky way of ripping off those who forget to cancel)

I then had to send in my airtime bills to dialaphone to claim the money back.  The others all went through with no problems, but it's this final one that is causing headache.  Perhaps they are relying on me cancelling my contract at the end of the 18 months so I can fall foul.  I have given the 30 days notice the other day, and it has just under 4 weeks left to run.

However I put in my claim at the end of August, and since dialaphone claim they have already sent the payment at the beginning of September, I should have had it by now.  At least they're not disputing the fact that I'm entitled to this money.
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I realy hait itt wen peeple canot spel proply. Itt getts onn mye nervs sew mutch annd streses mee owt. Knot onley iz itt vary bade speling butt allso bade gramer.
 
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Re: Message for Shiggaddi
Reply #22 - Oct 30th, 2006 at 11:38am
 
Shiggaddi wrote on Oct 30th, 2006 at 11:25am:
All I did was set up my direct debit details to pass onto vodafone, and I was automatically given their rip off insurance, which I had to cancel, rather than decline at purchase (another sneeky way of ripping off those who forget to cancel)


Looks like you have a possible claim under the Direct Debit guarantee scheme since clearly your underlying contractual realtionship appears to be with Voadphone and not DialAPhone.  DialAPhone are only sales agents of Vodaphone who have offered to rebate some of their commission to DialAPhone.

Its a complex one so I would have a discussion with a Trading Standards Officer who should be able to establish where the contractual liability to deliver the promised rebate falls.

What documentation exactly do you have from DialAPhone confirming that they will make these payments if you send in your bills?

To be honest I always expect this kind of nonsense with Cashbacks of this kind from high street mobile phone shops which is why I avoid them.  The PostOffice HomePhone's sytems of just staying with them 6 months to get a £50 rebate worked fine as there was no paperwork to be done or to be caught out by.
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« Last Edit: Oct 30th, 2006 at 11:38am by NGMsGhost »  

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Re: Message for Shiggaddi
Reply #23 - Oct 30th, 2006 at 1:36pm
 
The documentation was enclosed in a pack, which I received with the phone.

It clearly stated that I should send my latest bill, on or after a certain date, within 1 month of this date, to the dialaphone claim centre.

I have done this on other contracts I've had through them, and on earlier bills on my vodafone account.

I did have a problem with an O2 account, but they got around this by waiting 2 months before sending the cashback, after which my account was closed, so because it was closed, I fell foul of their rigid T&Cs.

It was after that, when I returned all their recommend a friend offers to sender, stating that I refuse to deal with a cowboy company like them again, and stating that I recommend that people should steer clear of them.  Not seen another recommend a friend offer recently, or sales calls trying to get me another new phone.

This is my very last dealing with them, and despite logging online to see when the payment was made, the problem is that it's gone missing between their account department, and my account.  Whether it's gone missing through incorrect reference numbers to vodafone, or vodafone messing up, or indeed they haven't sent it, has meant that the money has not reached my airtime account as promised.  They have never disputed the fact that I'm entitled to this money.
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I realy hait itt wen peeple canot spel proply. Itt getts onn mye nervs sew mutch annd streses mee owt. Knot onley iz itt vary bade speling butt allso bade gramer.
 
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Re: Message for Shiggaddi
Reply #24 - Oct 30th, 2006 at 1:48pm
 
Shiggaddi wrote on Oct 30th, 2006 at 1:36pm:
This is my very last dealing with them, and despite logging online to see when the payment was made, the problem is that it's gone missing between their account department, and my account.  Whether it's gone missing through incorrect reference numbers to vodafone, or vodafone messing up, or indeed they haven't sent it, has meant that the money has not reached my airtime account as promised.  They have never disputed the fact that I'm entitled to this money.


But it seems very likely they have never sent the money and this is just an excuse to get out of paying.

Demand proof from their bank that they have made the payment to Vodaphone and if they can't come up with it ask them to make the payment again.  And threaten Watchdog et al too.
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Re: Message for Shiggaddi
Reply #25 - Nov 9th, 2006 at 6:28pm
 
Just had a development in the case.

I received my Vodafone bill today, which has now included the Dial-a-phone credit, and lists it as paid on 27 September!!

This fits in with Dial-a-phone paying at the beginning of September, and taking a few weeks before they actually do, but either way, they have sworn blind that they have paid, and if it's showing as paid on 27 September, then Vodafone have been less than honest here.

In my October bill, I didn't receive my Dial-a-phone credit, and upon phoning up vodafone, they confirmed that it hadn't been credited.

They also suggested taking legal action against Dial-a-phone, when infact they have been sitting on this money.

I could understand if this credit was dated very recently, but the fact that it's dated 27 September, would suggest incompetence on the part of Vodafone, and for Dial-a-phone to have paid correctly.

Also, at least they got my bill correct, because my contract ends middle of the month, and I have indeed been charged pro rata for the remaining days.

Glad to get rid of both companies now!!

I certainly think a letter to the CEO of vodafone is on order.  Because of this delay, I have had to write to dial-a-phone, and spend time trying to sort this whole mess out, when infact Vodafone have been in receipt of this money all the time, and I was close to taking dial-a-phone to trading standards, and the courts.
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« Last Edit: Nov 9th, 2006 at 6:28pm by Shiggaddi »  

I realy hait itt wen peeple canot spel proply. Itt getts onn mye nervs sew mutch annd streses mee owt. Knot onley iz itt vary bade speling butt allso bade gramer.
 
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Re: Message for Shiggaddi
Reply #26 - Nov 9th, 2006 at 6:37pm
 
Shiggaddi wrote on Nov 9th, 2006 at 6:28pm:
Glad to get rid of both companies now!!

I certainly think a letter to the CEO of vodafone is on order.  Because of this delay, I have had to write to dial-a-phone, and spend time trying to sort this whole mess out, when infact Vodafone have been in receipt of this money all the time, and I was close to taking dial-a-phone to trading standards, and the courts.


As a current customer of Vodafone and the Liechtenstein mobile phone operator www.united-mobile.com and a former customer of 02 (then called Cellnet) Orange and Three my overall impression is that they are all almost as bad as each other, although you are very ill advised to have relationships with any of them by way of the Carphone Warehouse group as an intermediary.  During my time with them Cellnet proved to be the least customer focused of the lot even requiring you to call an 0870 number on your mobile to reach their customer service centre.
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Re: Message for Shiggaddi
Reply #27 - Nov 9th, 2006 at 9:02pm
 
I think O2 do have an 0870 customer services number, but rarely had course to call it.

Vodafone do at least have a service on 191, which is free from my vodafone handset, so talking to customer services was at least free, and I had no trouble getting through.

Dial-a-phone on the other hand, deliberately disconnected their freephone and geo numbers, and the only way I called them was their sales line on 0800, and kicked up a big fuss each time, but their final reply was for me to write to them, which got nowhere, or of course call their 0870 number, which I've called before, and it's almost impossible to speak to someone.

I shall certainly be in contact with Vodafone over this issue, and might will tell them about my calls to dial-a-phone on 0870 (which I never did use in the end) and of course having to write a letter about the issue, during which time Vodafone were sitting on this payment, and Dial-a-phone maintained quite rightly that they had paid (although their customer services could have been more approachable!!)

Vodafone has already stopped Dial-a-phone selling phones on their network.  Perhaps if Vodafone didn't allow dial-a-phone to credit existing customers by line rental credit, or if Dial-a-phone paid by cheque or BACS (like they do on other contracts I've had with them) then this mess wouldn't have happened, or if it did, then Vodafone would not be partly responsible for the mess, and any issue of cashback would lie firmly with Dial-a-phone (and possibly the banking system, and Royal Mail)

Anyway, at least my Vodafone is getting disconnected in a few weeks, and I don't have any more contracts with Dial-a-phone to worry about.  E2save have been so far so good, and have paid by cheque every time as promised.
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I realy hait itt wen peeple canot spel proply. Itt getts onn mye nervs sew mutch annd streses mee owt. Knot onley iz itt vary bade speling butt allso bade gramer.
 
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Re: Message for Shiggaddi
Reply #28 - Nov 9th, 2006 at 11:00pm
 
Shiggaddi wrote on Nov 9th, 2006 at 9:02pm:
Anyway, at least my Vodafone is getting disconnected in a few weeks, and I don't have any more contracts with Dial-a-phone to worry about.  E2save have been so far so good, and have paid by cheque every time as promised.


But you surely have to accept that at least half the customers of a company offering a restrictive cash back deal like this never get the cash back.  And that this is how they can afford to offer such an apparently low price deal in the first place.

Since I would always be in the 50% who failed to send in their bills on time and so miss the cash back I am never even vaguely tempted to go for such offers.
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Re: Message for Shiggaddi
Reply #29 - Nov 10th, 2006 at 4:30pm
 
NGMsGhost wrote on Nov 9th, 2006 at 11:00pm:
Shiggaddi wrote on Nov 9th, 2006 at 9:02pm:
Anyway, at least my Vodafone is getting disconnected in a few weeks, and I don't have any more contracts with Dial-a-phone to worry about.  E2save have been so far so good, and have paid by cheque every time as promised.


But you surely have to accept that at least half the customers of a company offering a restrictive cash back deal like this never get the cash back.  And that this is how they can afford to offer such an apparently low price deal in the first place.

Since I would always be in the 50% who failed to send in their bills on time and so miss the cash back I am never even vaguely tempted to go for such offers.



Yes, they do rely on people not claiming to make it such a good deal.  With 7 contracts (soon to be 6!!) to keep an eye on, you need to be organised to send in the claims, chase them up when if they don't pay, mark down when they do pay etc.  I do the same with the 0% credit cards.  They rely on people not paying on time, to pay for those like me who don't have debt, and pay off when the 0% ends.  However credit card companies are getting wise to this, and charge a balance transfer fee of about 2-3% which means there's very little profit to be made if you have no debts, however it makes a good deal if you do need to borrow the money, and are likely to need to borrow the money longer at their higher rates!!
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I realy hait itt wen peeple canot spel proply. Itt getts onn mye nervs sew mutch annd streses mee owt. Knot onley iz itt vary bade speling butt allso bade gramer.
 
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