Welcome Guest [Log In] [Register]

CLICK HERE to see posts in last 24 hours

Welcome to Mainly Military modelling. We hope you enjoy your visit.


You're currently viewing our forum as a guest. This means you are limited to certain areas of the board and there are some features you can't use. If you join our community, you'll be able to access member-only sections, and use many member-only features such as customizing your profile, sending personal messages, and voting in polls. Registration is simple, fast, and completely free.


Join our community!


If you're already a member please log in to your account to access all of our features:

Username:   Password:
Add Reply
Cashback offer problem
Topic Started: Nov 15 2014, 12:38 PM (137 Views)
Nikon User
Member Avatar
"BEAVER"
This isn’t a gripe, but more a short and sorry heads-up tale for anyone who may be tempted to buy items on a “Cashback” deal.

Last Christmas, I bought a Nikon camera with a £70 cashback offer on it. With this Nikon deal, you register your purchase and send details to claim the cashback. Now you don’t receive actual cash or a cheque, but a pre-paid Visa card with the £70 loaded on to it. This you can then spend as you wish. My card is valid from Jan 14 to Jan 15. No problem so far.

Yesterday, I decided to use my £70 towards a purchase with the balance paid in cash. The £70 card transaction was declined. At home, I read the letter and small print leaflet that came with the card and found nothing untoward, so phoned CitiBank, the company that administer the card.

It was at this time that I found out that as I hadn’t used the £70 in the first six months of the card validity, a £2 per month “administration” fee was deducted. This left £64 on the card as of yesterday rather than the £70 I expected. Returning to the store, the card was accepted but only when £64 was put through the till instead of £70.

So, the moral of the story is that what you think you have, you may not have, depending on the well hidden rules. This sort of thing was featured on the Radio 4 Moneybox programme recently, and can also apply to store gift vouchers and similar payment methods. Beware!

Offline Profile Quote Post Goto Top
 
tc2324
Member Avatar
LCDR Tony `Banana's` Clay
I `liked` your post Nigel, but thought I`d better reply and say that I liked your post for the info supplied and NOT because I `liked` the fact you were in a way ripped off by some more of this countries fine upstanding bankers. (I use the word `bankers` lightly as it`s not the actual word I`d like to use....)
Offline Profile Quote Post Goto Top
 
Nikon User
Member Avatar
"BEAVER"
I should have also written that the moral behind this is to look into any pre-paid cards or gift vouchers you might have to make sure if there are any financial penalties that may not be obvious. I will be writing to Nikon UK to point out my dislike of the scheme as it does nothing to encourage me to buy Nikon in the future - I could be looking at a new user name in a couple of years!
:laugh:
Offline Profile Quote Post Goto Top
 
Deleted User
Deleted User

You know I like a moan about a company as much as the next man but its usually good to read the small print on this sort of thing.

Im not standing up for the company but when someone is giving what looks like 'free money' there is usually a catch and Ive been burned myself.
Quote Post Goto Top
 
madnursegaz
resin fondler
tc2324
Nov 15 2014, 01:14 PM
I `liked` your post Nigel, but thought I`d better reply and say that I liked your post for the info supplied and NOT because I `liked` the fact you were in a way ripped off by some more of this countries fine upstanding bankers. (I use the word `bankers` lightly as it`s not the actual word I`d like to use....)
The usual pejorative these days is "Bankster". The origin of this is fairly obvious and appropriate . . .
Offline Profile Quote Post Goto Top
 
Mapo
Member Avatar
Lt. Pete 'Barracuda' Ashcroft
This post has just reminded me that i need to close my pre paid credit card from my Holiday before they start charging me "administration" fee's
Offline Profile Quote Post Goto Top
 
Nikon User
Member Avatar
"BEAVER"
Quote:
 
You know I like a moan about a company as much as the next man but its usually good to read the small print on this sort of thing.

I fully agree with that Shaun, but the problem here is that I can't find this admin fee mentioned this in any of the small print!
Offline Profile Quote Post Goto Top
 
Deleted User
Deleted User

Odd....
But if you say it wasn't there then who am I to argue.

This then comes under the authority of the financial ombudsman as they left this 'fee' out of the agreement and becomes a breach of contract. Because if it isn't written then they can't charge you.
Quote Post Goto Top
 
Olde Farte
Member Avatar
Lt. Derek 'Smurfy' Reeve
I was bought up to understand that there is never 'something for nothing' and we have adhered to that since, but money off coupons are something entirely different and will be used to suit us, unless of course you have to bung money up front each month for these 'benefits'.
Offline Profile Quote Post Goto Top
 
Deleted User
Deleted User

Ive never understood these 'cash back' offers any way.

I can't see that it makes people want something more than if they just knocked of the amount from the original price.

I would rather buy something with £50 off for example than have to go through the grief of having to claim it back and then be told how to spend it.
Quote Post Goto Top
 
1 user reading this topic (1 Guest and 0 Anonymous)
« Previous Topic · General Chat · Next Topic »
Add Reply