Who pays?
Good Morning Mr Harriman. I lost my card but I didn't take it seriously. I thought I had simply misplaced it at home and would look for it. I have been using the mobile app to do withdrawals this week. To my surprise i am woken up by messages indicating that my card was used to make several online purchases. I understand that the fault is on me for taking things so lightly, I have since blocked/deactivated the card, but I can't help but wonder, will the P500 I just lost ever be recovered? And if so will the perpetrator be dealt with? How can I make sure that I get my justice?
I'm sorry to hear about this. The normal practice when a card is lost or stolen is that the bank is responsible for any transactions after the time you alert them. Until that point, they can't be expected to know that the card has been used by someone else without the cardholder's authority.
Of course, a smart bank might alert you if they spot a strange spending pattern or if you're a strange location and that's happened to me. But clearly not all banks work this hard. Given that we live in the days of AI technology, I think we should expect more of that.
The bad news is that the money that was taken from your account before you noticed and before you alerted the bank is probably gone forever. However, if there were any payments made after you blocked the card, that's their problem. Finally, has anyone reported this to the Police? Someone used your card illegally and there needs to be an investigation.
Will they fix my fridge?
I recently bought a fridge from a post on Facebook. It seems like they run a business selling fridges. They did not disclose all the necessary details entailing the sale. The freezer door does not close properly and honestly it's not a fridge worth 2.4k. I asked for a refund because it was not what I wanted. I even told them this the next day. They responded there is nothing they can do and apparently it's on me now.
Please advise what I can do in this situation. The thing is before selling the fridge to me, she didn't mention these faults, plus her receipts were written 1 month guarantee. I told her I can't take something for that amount on a month guarantee that's when she changed to 3 months. This on its own shows she knew the fridge had some faults, that's why I'm saying I don't want the fridge anymore because I'm now scared I might get to find other more faults on the fridge eventually.
There are several issues here. Firstly there's the 1-month warranty they offered. I'm sure everyone knows by now that Section 16 of the Consumer Protection Act says that any faulty item can be returned to a supplier within 6 months of purchase. Then the supplier can choose whether to repair it, replace it or refund you. So no 1-month warranty.
But the good news is that you stood up for your rights and they increased it to 3 months. Which is still less than the 6 months the law requires. So we still have a problem.
I contacted the shop. I'm not sure they welcomed my questions but eventually they said they'd replace the rubber seals that have caused the problem, which they promised would ensure "the fridge is working perfectly".
The lesson from this experience is that there's nothing wrong with buying second-hand items like fridges. It's a very sensible way to buy things, particularly when you're starting out in your first home. Buying only new things will cost a fortune and second-hand items can save you a huge amount of money you can spend on better things. Like food to put in the fridge and not on hire-purchase costs. Just make sure you get a real warranty that respects the law.
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