Re: UKNM: toyzone, and other "glitches"

[Steve Junkston]

----- Original Message -----

From: Ian Tester <

iantbreathe [dot] com

>

Subject: UKNM: toyzone, and other "glitches"


<snip>

> a few weeks ago, argos overcharged me by �20, and are not only refusing to

> back down, but even to contemplate answering the points raised in various

> emails (in fact, took the unusual step of inferring that I was a liar,

> repeatedly - so i reported them to the IMRG, hehe! but not exactly in

> anticipation of any action ;-0 <ducks as steve rolls into action>). i'm

> looking forward to a full chargeback on my credit card. . .

<snip>


I don't like to be predictable but ....


Reporting Argos to the IMRG was an extremely good idea as Peter Jones,

Argos's Operations Director and, currently, acting MD is a non-exec. -

http://www.imrg.org/about/index.htm


And on a minor point of vocabulary: a 'chargeback' is what happens when the

bank that has originally issued the credit card, refuses, for one arbitrary

reason or another, to apply it to the cardholders account. Under these

circumstances the acquiring bank, i.e. the one running the point of sale

payments system, charges the amount back to the merchant's account, by

deducting it from funds due for other more successful payments.


The worrying trend is amongst issuing banks who are installing Automated

Chargeback systems that are configured to reject any payments of a Card Not

Present variety that meet a few minor conditions, and have absolutely

nothing to do with fraud or customer complaints. Indeed Argos should receive

a legitimate chargeback once your complaint has woven its way through the

system or they acknowledge their error. You could call your issuing bank,

they might want to help, if they can be bothered.


If I were still a retailer, I'd have shot a few bankers by now.


Steve.

----------------------------------------

stevejohnston [dot] co [dot] uk

t: +44 (0) 7050 6050 33

f: +44 (0) 8707 3455 33

----------------------------------------



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