Re: [Sheflug] Re: bounce

["Alex Hudson" <nospam [at] alexhudson.com>]

> The Consumer Credit Act gives you a lot of very nice protection up to the
> same amount as DD, and certainly more than a debit card transaction.
> The rule being - if you order hardware mail order, use a credit card,
> because they're all cowboys.

Have you ever used it? It doesn't make much difference at all.

People can make transactions on UK credit cards simply by knowing the number
(unlike in other countries), UK credit cards are often not accepted in other
countries (US, for example, who won't honour a UK VISA), it's difficult to
revoke transactions (I know, I have done), I could go on. As Stephen pointed
out, vendors like CCs because they're guaranteed funds - i.e., once the
transaction has gone through, it *stays* gone through. If you want to cancel
it, your bank has to launch an investigation, and until the investigation is
concluded you don't get your money back, and certainly it's unlikely the
vendor will have paid [a|the] bank back.

I've stopped ordering anything over the internet now, because of the
ridiculous ease it seems that people are able to make fraudulent
transactions. Mail order's not a whole heap different. I generally find COD
a much easier form of transaction - vendor gets his money, I get my peace of
mind, and there's very little chance of fraud inbetween.

Cheers,

Alex.

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