Account locked for getting a refund?
PumpkinP · 19/11/2019 20:00
I bought my son some trainers using something called clear pay, don’t know if anyone is familiar with them but it’s basically like klarna but they don’t credit check, anyway after 6 weeks the trainers had a massive hole in them. I contacted the retailer who I bought them from who basically said tough luck, I contacted clear pay who said they wouldn’t get involved, so I opened up a dispute with my bank who did a charge back. Anyway I’ve now been suspended from using clear pay and my account has been “locked” Aibu to think this doesn’t sound right? The item was faulty and I got a refund, it’s like getting a refund from eBay and then them locking your account so you can’t use it again! I’ve emailed clear pay who have confirmed that is the reason. Has anyone had any experience with them? It’s not a massive issue but when money is tight being able to pay things off rather than all at once was nice, and I never missed a payment.
Gizlotsmum · 19/11/2019 20:08
I would imagine somewhere in the t&c's it does from their point of view they are out of pocket. You have the product (even if it is not fit for purpose), the retailer has their money and now clear pay have neither a refund from the retailer (they refused) or the money from you.
PumpkinP · 19/11/2019 20:14
So what should I have done with the shoes that were no longer wearable as the plastic had come through and was jabbing him in the foot? I thought there was protection when buying online. Anyway it’s not a massive issue I will just sign up using another account just thought it was abit extreme. The items were not fit for purpose and I spent a lot of money on them.
CrohnicallyEarly · 19/11/2019 20:31
Unfortunately consumer protection doesn’t apply when you buy through a third party like PayPal or presumably clearpay.
However, third parties often have their own protection, you should have claimed through them not through your bank.
Think of it this way, Bob at work books the Christmas meal and I give him the money to pay the deposit. Then I decide I don’t want to go, the restaurant won’t refund my deposit so I take my money back by going through Bob’s wallet. Bob is left out of pocket, and says he’s never going to get into financial stuff with me again.
Like that, except clearpay is Bob.
Elieza · 19/11/2019 20:38
No way it’s wear and tear on that timeframe. I had that with sports direct and had to argue with the manager and threaten trading standards before I got a replacement trainer.
I’d respectfully suggest you live within your means or use regular credit cards and avoid those weird credit companies like the plague.
BillHadersNewWife · 19/11/2019 20:43
Nothing wrong with Klarna and the like if you have some organisation about it. It's not as if they charge extra for items. But OP...you needed to get the shop to refund you...not ClearPay. If you tell us which shop it was, then we can advise further;.
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