Panamoz - Paying via BACS. Would you?

[LongLensPhotography]

Financial hardship and buying 70-200 f2.8Ls doesn't really go together! Nobody on the planet needs this stuff, it's high end luxury gear. .

Oh fair enough, these things must be meant to be worn with Rolexes by celebs, and not used for wedding or sports photography. I thought they were just business tools, but now - thanks for the eye opener The 650D and 75-300 is what we have to use :rules:

why should HK gear be defective ? (my issue with is tax evasion and lying to excise not the quality of the goods themselves which won't be any different from uk spec) - mpb offer a warranty on second hand gear and will exchange anything that did turn out to be defective.

nothing specific about HK - or not, but one of the reason to use re-sellers is to easily flog a soft lens, etc. Whether you have the experience to understand the problem (rather than go this is just a bit soft but i don't care), and have what it takes to go through the sheer inconvenience.

 

[big soft moose]

nothing specific about HK - or not, but one of the reason to use re-sellers is to easily flog a soft lens, etc. Whether you have the experience to understand the problem (rather than go this is just a bit soft but i don't care), and have what it takes to go through the sheer inconvenience.

That can happen new as well (in fact its more likely new as big outlets don't quality check individual lenses before they go out) - and all you do is return it and say this copy is soft i want a replacement/refund - so long as you are dealing with a reputable outlet (whether new or second hand , uk or grey ) that shouldnt be an issue.

Also as i said MPB (and indeed any reputable reseller) will check the lens before they sell it, and are more likely to mark it down with x, y, z slight problem declared than they are to try to pass it off - which is not something which can be said for every new seller

 

[LongLensPhotography]

That can happen new as well (in fact its more likely new as big outlets don't quality check individual lenses before they go out) - and all you do is return it and say this copy is soft i want a replacement/refund - so long as you are dealing with a reputable outlet (whether new or second hand , uk or grey ) that shouldnt be an issue.

Also as i said MPB (and indeed any reputable reseller) will check the lens before they sell it, and are more likely to mark it down with x, y, z slight problem declared than they are to try to pass it off - which is not something which can be said for every new seller

New can be problematic, as I have discovered with 16-35 II (2x). I only had to take in to my local Calumet for refund (--> easy and convenient)

I am sure re-sellers will check some things, but they mostly will stop at external marks and very major internal faults (faulty AF, broken aperture, etc). Soft left corner will almost certainly not get any attention at all, and I could swear I saw far worse stories on this forum. Their prices are so far higher than forum, and closer to new (certainly HK with VAT receipts - what's the issue?), so WHY would I buy there?

 

[big soft moose]

New can be problematic, as I have discovered with 16-35 II (2x). I only had to take in to my local Calumet for refund (--> easy and convenient)

I am sure re-sellers will check some things, but they mostly will stop at external marks and very major internal faults (faulty AF, broken aperture, etc). Soft left corner will almost certainly not get any attention at all, and I could swear I saw far worse stories on this forum. Their prices are so far higher than forum, and closer to new (certainly HK with VAT receipts - what's the issue?), so WHY would I buy there?

HK with Vat paid and correct value declared for import is often more expensive than UK - so why would you buy there either ?

 

[ecoleman]

How do you figure that? Deal with a UK company and you have the ability to go to the company, you have a raft of consumer legislation, you have Trading Standards and ultimately you have the Courts to turn to. You buy from Hong Kong and pay by BACS and you have the sum total of zero protection, short of buying a plane ticket and flying to Hong Kong and trying to sue in a Hong Kong court, you have absolutely no comeback. You may as well send an envelope of cash. You might want to read Horney's story in the DigitalRev thread, he has eventually got a refund from Paypal after the item didn't arrive, DR weren't interested and if he hadn't paid with Paypal he would be up a well known creek without a paddle.

Did you bother reading the post I was answering?

 

[ecoleman]

from money saving expert it does go on to say that since a court ruling in 2006 you can argue for an indirect relationship, but notes that its unlikely to be an easy task http://www.moneysavingexpert.com/shopping/section75-protect-your-purchases so in short you are right you can still apply, but you are likely to be told to **** off, ergo the protection is not the same as using your card with a supplier who processes directly that said if you used a mastercard amex or visa credit card you could still look for chargeback on non arrival of goods - but this is a CC policy thing not a legal protection - whether it is more powerful than a paypal refund is debateable... what isnt debateable is that you don't get even this protection if you pay by BACS (and that applues to paying for anything via BACS not just grey imports)

Payments through Paypal and similar services

There are some transactions where the company that deals with your credit card payment is not the same as the one that provides the goods or service - such as Paypal.
If you use your credit card to pay for something through PayPal and the funds go direct to the seller, then as long as the company you're buying from has a 'Commercial Entity Agreement' with Paypal you may still be able to claim under Section 75 for any misrepresentation or breach of contract.

http://www.which.co.uk/consumer-rights/regulation/section-75-of-the-consumer-credit-act/

I've said this before. As long as you don't fund your paypal account with your credit card and then make the purchase with your balance then you will be protected.

Just use the link on the paypal page that says I do not have a paypal account and ignore paypals attempts at getting you to setup an account. This way the funds goitre toy from the credit card to the company.

You are then protected under section 75

 

[big soft moose]

I've said this before. As long as you don't fund your paypal account with your credit card and then make the purchase with your balance then you will be protected.

you have - you were wrong last time as well (technically you'd be right if the funds went direct to the seller , but with these types of third party process they don't)

did you read the link i posted above from money saving expert ? - you are not automatically protected under sect 75 if the vendor uses a third party payment agent such as worldpay/paypal/ googlecheckout etc as the credit card company does not have a direct relationship with the supplier.

since a court ruling in 2006 you can argue for an indirect relationship , and you might be covered but you can expect that to be a long and arduous process

(also if you used mastercard/visa or amax credit card you can ask for chargeback if your goods didnt arrive - but that isnt as powerful a protection and they can say no)

 

[ecoleman]

you have - you were wrong last time as well did you read the link i posted above from money saving expert ? - you are not automatically protected under sect 75 if the vendor uses a third party payment agent such as worldpay/paypal/ googlecheckout etc as the credit card company does not have a direct relationship with the supplier. since a court ruling in 2006 you can argue for an indirect relationship , and you might be covered but you can expect that to be a long and arduous process (also if you used mastercard/visa or amax credit card you can ask for chargeback if your goods didnt arrive - but that isnt as powerful a protection and they can say no)

Did you read my link?

you are misinterpreting it what moneysavingsexpert is saying.

If what you are saying is indeed true, it would mean that the vast majority of online transactions would not be covered as the vast majority of online companies use a 3rd party for processing payments. So the next time you get scammed you can sit in a corner sobbing. I'll happily make a section 75 claim.

 

[ecoleman]

Also, from paypal terms and conditions.

13.11 Relationship between PayPal Buyer Protection and chargebacks

Credit card chargeback rights, if they apply, may be broader than PayPal Buyer Protection. Chargeback rights are not limited to specific amounts per transaction, may be filed more than 45 days after the payment, and may cover intangible items.

You may pursue a Claim or Dispute with PayPal, or you may contact your credit card company or credit card issuer and pursue your chargeback rights. You may not pursue both at the same time or seek a double recovery. If you have an open Claim or Dispute with PayPal and subsequently file a chargeback with your credit card company, PayPal will close your Dispute or Claim, and you will have to rely solely on your chargeback rights.

If PayPal does not make a final decision on your Claim until after your credit card issuer's deadline for filing a chargeback or after your bank's deadline for filing a dispute, and because of our delay you recover less than the full amount you would have been entitled to recover from the credit card issuer (that is, the chargeback amount which is the amount paid through your credit card in the relevant transaction), we will reimburse you for the remainder of your loss (minus any amount you have already recovered from the Payment Recipient).

Before contacting your card issuer or filing a Dispute with PayPal, you should contact the Payment Recipient to resolve your issue in accordance with the Payment Recipient’s return policy as stated on their eBay listing or website.

 

[rampanthamster]

bought three times from them late last year with BACs. Very fast.