4 major rip-offs you can fight back against

It's easy to fight back against these four rip-offs - just follow these steps!
Being ripped-off can leave you feeling both frustrated and helpless. Although you might ultimately have to sue in the small claims court (see my article ‘Wronged by a rip-off trader’), there are other ways to fight back and protect yourself.
1) Dodgy tradesmen.
This is a common consumer complaint, mainly because not many of us can claim to know the inner workings for an engine or boiler! We have to rely on the honesty of the tradesman. You are not powerless in these situations if you know your rights, although the best form of attack here is defence.
- Know who you are hiring, preferably finding them through recommendations, or through a website like Trustmark.
- Look for tradesmen who are signed up to a Code of Conduct. For example, in the motor industry garages can register under the Motor Industry Code of Practice for Service and Repair. They can provide help, advice and low cost arbitration programmes.
- Name and shame them on a trade specific website, or report them to the website www.ripofftipoff.net
2) Premium rate telephone numbers
These are not just used by competition hotlines, but by big companies too. Irritatingly, even some government and NHS departments use premium rate numbers! But there are ways of fighting back.
- Change your telephone provider. Charges are not set in stone, so prices will differ depending on company. BT, for example, includes 0845 numbers in some of its call packages, so you can call these numbers at no extra cost.
- If you can see any alternative numbers on the company website, try calling them. If you ring their sales hotline, where they sign up new customers (often a Freephone number), you may find yourself getting through straightaway. Check Saynoto0870.com where you can find alternative company numbers and, if you’ve got an iPhone, download the app.
- Sign up to a website like 18185.co.uk where you dial a prefix number for a cheaper rate. This works on both landlines and mobiles.
- Complain! Ofcom deal with 084 or 0870 numbers, or contact PhonePayPlus to complain about 0871 or 09 numbers and premium rate text messages.
3) Bank, credit and store card charges
The Supreme Court decided that the Office of Fair Trading did not have the authority to rule on the excessive bank charges for unauthorised overdrafts in November 2009.
If you didn’t claim your bank charges back before this ruling, your chances of a pay-out might be lessened, but it is worth a go. The banks must still consider all requests on ‘a case by case’ basis, although in reality you are only likely to have your charges refunded if you can show that you are in financial hardship.
The ruling has no effect on any claims you might have against a credit or store card. If you have been charged for missed payments then follow these steps:
- Make a request under the Data Protection Act 1998 to see statements for the last 6 years.
- Write to the company asking them to waive or reduce the charges as a ‘gesture of goodwill.’ If you have been a loyal long term customer, mention it! If this doesn’t work, write again, quoting the Unfair Terms in Consumer Contracts Regulations 1999 in relation to your charges.
- Make a complaint to the Financial Ombudsman Service.
4) Ticket fraud
If you have bought tickets through a fraudulent site, then fingers crossed you bought on a credit card. If so you will be protected by the Consumer Credit Act 1978 section 75 (watch this video to find out more)
If you have used a debit card, you are not covered under this Act, but all might not be lost! If you used a Visa Debit card you might be able to claim under the Visa Chargeback scheme. Tell your bank within 120 days, and they could claim it back from the supplier’s bank.
Even if you did not use a Visa debit card, most UK banks have signed up to a ‘Lending Code’. This states that innocent victims of fraud, whether using debit or credit cards, will not suffer any financial loss unless they have acted negligently. Contact your bank, in writing, to check.
To avoid the situation altogether:
- Check with the venue to see if the website actually have tickets to sell.
- No matter how well a website has been put together alarm bells should ring if there is no way of finding a physical address or working landline number.
- Do they have a refund policy? Most reputable companies will refund under certain circumstances.
There is no such thing as a free lunch! If a site is offering lots of tickets at bargain prices to high profile, high demand events, ask yourself if it is a realistic claim. Remember, if it looks too good to be true, it usually is.
Tell us your tips
Have you got any tips for other readers about how to avoid being ripped off? Or have you ever been ripped off in one of the ways I’ve mentioned above? If so, please share your experiences using the comments box below!
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[b]Hey [url=/profile/Crispvs.aspx]Crispvs[/url][/b] Would you please give a name of the scumming carpark management firm to warn others? plus they really should be named and shamed Many thanks Sara
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Here's another one. A well known carpark management firm sent me a letter a couple of years ago stating that I had overstayed the allowable time in a particular carpark and was thus liable for a fine which I should either send them by return of post or by telephoning their 'payment hotline'. They said that they had CCTV footage of my car both entering and leaving the carpark which proved I have overstayed the time. The letter stated my registration number and the make and model of my car as proof. The date they cited had been around two months before and turned out to be a Saturday. This immediately rang alarm bells as this carpark is close to my place of work and I normally stop there when I am shopping either during a lunch break or after work. This is always during the working week and I never have any reason to stay long. i don't go to that part of town on a Saturday! Next I checked through my receipts and found that I had made several purchases in the city centre (several miles away) during the exact period I was supposedly parked in the carpark. The receipts showed the date and exact times of the purchases, proving that I could not have been in the carpark when they said I was. I decided they had made a mistake and ignored the letter. However, a fortnight later, a very threateningly worded letter arrived from them demanding immediate payment and making thinly veiled threats of court action. I knew that what they were claiming was wrong and so rang them to tell them so. I quoted my evidence to them (pointing out also that while a bank statement might show transactions a day or two after they had actually happened, a receipt showed the exact time of a transaction) and the operator I spoke to seemed to accept what I was saying. However, just on a month later I received another letter containing an overt threat of imminent court action. I telephoned them again and this time I was told that I was lying as they had CCTV footage showing me to have been there. I requested screenshots of this footage to prove that they really did have what they said they had but this request was refused with the usual excuse of 'Data Protection'. Therefore I requested an address to write to and on being given it, sent photocopies of the reciepts, along with printouts from 'upmystreet' showing the distances from the carpak to each of the locations indicated by the reciepts. To be on the safe side I kept copies of everything I sent them, which turned out to be a good thing, as it turned out. I heard nothing more for about six months and thought the matter was behind me. Then I received a letter from a debt collection agency demanding the payment which had previously been demanded plus a surcharge. I telephoned them and explained that the matter had been a mistake (I was using the term very generously) on the part of the car parking company and I had already proved to them that no money was owed. The debt collectors said that they could not accept what I said and had to go with what they had been told so would still require the money. I told them that I would not pay but would send them a copy of what I had already sent the car parking company by recorded delivery. I did this (using the address listed on their letter) but about six weeks later I recieved another letter from them, which took a very threatening tone. Around the same time however, I discovered that the debt collection company was actually just a department of the car parking company, so they had had the proof from me all along but had continued to try to get money out of me. At this point I sent copies of all of the correspondence which had passed between us to the Office of Fair Trading's 'Scambusters' team, having decided that despite being a well known company, they were clearly running a scam which was probably frightening many people into paying unwarrented fines to them for purported overstays whicyh had probably never happened. After referring them to the OFT's Scambusters team I heard nothing more from them, which I am very glad of. However, I don't imagine that that will stop that particular type of scam any time soon, either by that company or by another in a similar position. After all, most people would not think to refer them to the OFT. It is a scam which purports to have proof of an event which did not happen in order to frighten people into paying up. It was only thanks to my rather anorakish habit of keeping and filing my receipts that I was able to prove that they were lying. If I had not been able to do this I could have been forced into paying them, as I suspect many others must have done. I suspect most people would not be able to gather the proof I was able to either.
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And another! Spurious claims by UK car hire/rental companies months after the hire period '....for damages inflicted to the car' after it had been returned. THe car was undaaged and I had time and dated photographs on my iPhone to prove it! Thieves to say the last! When challenged, the national company claimed that it was an administrative error on the part of one of its franchise companies!! Rogues!!!! Yes, I received compensation for the time and effort spent challeging their false claim!
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19 January 2011