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Final payment for trail riding.

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Nick__C
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PostPosted: 13:09 - 29 Jul 2013    Post subject: Final payment for trail riding. Reply with quote

Hi all, all unsure where exactly this should go so sorry if this is the wrong section and feel free to move!

Anyway basically I need to make the final payment on a trail riding trip in September for my brother and I, the company (TrailWorld UK/Spain) don't accept credit cards and have asked for a bank transfer or alternatively a paypal payment. My dad intended to pay by credit card and us pay him back, this way we would have some buyer protection in case anything went wrong, if he makes a paypal payment using a credit card will that buyer protection still apply?

Thanks, Nick.
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Stowelly
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PostPosted: 13:12 - 29 Jul 2013    Post subject: Reply with quote

yes
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Nick__C
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PostPosted: 13:23 - 29 Jul 2013    Post subject: Reply with quote

Do you know from experience or just point blank it applies to any credit card payment?

Quote:
Claims can only be made for physical goods that can be posted and are not prohibited

Pay the full amount of the eligible item in one payment. Items purchased with multiple payments – like a deposit followed by a final payment – are not eligible.


Which I guess would exclude the payment from PayPal's buyer protection..
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map
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PostPosted: 13:30 - 29 Jul 2013    Post subject: Reply with quote

Confused if this is final payment how were the other payments made?

Maybe a quick call to the actual credit card company for clarification? Or maybe a look at or post on something like moneysavingexpert site?
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Stowelly
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PostPosted: 13:30 - 29 Jul 2013    Post subject: Reply with quote

as you are using your credit card, the cover is provided by the bank...... only aware of this as had a chargeback on a paypal payment made to me, paypal where unable to dispute it as the bank just acted on behalf of the user
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-Matt-
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PostPosted: 13:31 - 29 Jul 2013    Post subject: Reply with quote

Seems very odd they don't accept credit card payments.

How sure are you they're legit and this trail holiday exists, not to sound too paranoid Rolling Eyes

Have you got evidence of the payments made to date in any form from them Question
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Nick__C
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PostPosted: 13:43 - 29 Jul 2013    Post subject: Reply with quote

map wrote:
Confused if this is final payment how were the other payments made?



£100 pp deposit via bank transfer at the time of booking, made it without properly thinking of possibility of any problem arising. Final payment is substantially more so worth taking a precaution if the worst were to happen..

-Matt- wrote:
Seems very odd they don't accept credit card payments.

How sure are you they're legit and this trail holiday exists, not to sound too paranoid Rolling Eyes

Have you got evidence of the payments made to date in any form from them Question


I thought it was odd as well, especially given they were happy to deduct the cost of a bank transfer from my payment, despite it probably being similar to credit card charge..

I was initially paranoid haha but have since contacted people on youtube who have videos of their tour Thumbs Up
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LockyUK
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PostPosted: 13:50 - 29 Jul 2013    Post subject: Reply with quote

-Matt- wrote:
Seems very odd they don't accept credit card payments.

How sure are you they're legit and this trail holiday exists, not to sound too paranoid Rolling Eyes

Have you got evidence of the payments made to date in any form from them Question


not odd really, aldi for example accept no credit cards... the fees i believe are about 1.5 percent, every 100 you pay the retailer they pay 1.50 or so, but there is normally a minimum of say £1 per transaction so if a transaction is say 50 quid, that equates to what, 2 percent ?,

op use paypal little protection is better than nothing.
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iooi
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PostPosted: 13:50 - 29 Jul 2013    Post subject: Re: Final payment for trail riding. Reply with quote

Nick__C wrote:
, if he makes a paypal payment using a credit card will that buyer protection still apply?

Thanks, Nick.


Well for a start it would only cover that Paypal payment. NOT the whole cost.

Trouble here is that as Paypal only move the money. They can reject any chargeback (only option) on the basis that they have done as asked and move money.
They do not provide the service in this case.

Before anyone mentions S75 CCA. It will not apply as there is no debtor/creditor link as you have paid a 3rd party and not the retailer.

TBH. Either way if they go tits up you are going to be stuffed.

Check them out on companies house and see how they look there.
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iooi
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PostPosted: 13:54 - 29 Jul 2013    Post subject: Reply with quote

PeteLockwood wrote:
op use paypal little protection is better than nothing.


Not sure that PP would cover this anyway.

Remember they only have a 45 day claim period.
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-Matt-
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PostPosted: 13:54 - 29 Jul 2013    Post subject: Reply with quote

PeteLockwood wrote:
-Matt- wrote:
Seems very odd they don't accept credit card payments.

How sure are you they're legit and this trail holiday exists, not to sound too paranoid Rolling Eyes

Have you got evidence of the payments made to date in any form from them Question


not odd really, aldi for example accept no credit cards... the fees i believe are about 1.5 percent, every 100 you pay the retailer they pay 1.50 or so, but there is normally a minimum of say £1 per transaction so if a transaction is say 50 quid, that equates to what, 2 percent ?,

op use paypal little protection is better than nothing.


For a shop its not all that rare but i figure thats due to the regular flow of customers. Most companies i've come across just explain 'if you pay by card there will be an additional fee' or something similar which is what i found strange - normally they would just pass the card fee onto in this case the OP.

Are they based in spain or the UK if you're able to work it out - any offices in the UK etc Question
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iooi
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PostPosted: 13:58 - 29 Jul 2013    Post subject: Reply with quote

Nick__C wrote:
I thought it was odd as well, especially given they were happy to deduct the cost of a bank transfer from my payment, despite it probably being similar to credit card charge..


There are no charges for bank transfers. Unless you are making a Euro to GBP or such.

I can understand no CC. But not taking debit cards is odd.

I guess they are a small company. Poss 1 man band or such and want to keep costs down as much as possible.
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iooi
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PostPosted: 14:01 - 29 Jul 2013    Post subject: Reply with quote

-Matt- wrote:
Are they based in spain or the UK if you're able to work it out - any offices in the UK etc Question


Seeing as I'm looking at their site now..

TRAIL WORLD LIMITED
Wildmill Road,
Markyate,
Hertfordshire,
England. AL3 8LP.



01582 842244



enquiries@trailworld.co.uk


Post code appears to be a Dog Hotel Laughing In the middle of no where.
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-Matt-
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PostPosted: 14:02 - 29 Jul 2013    Post subject: Reply with quote

Postcode for me is showing a shooting ground Shocked
https://i44.tinypic.com/sz8svd.jpg


Last edited by -Matt- on 14:05 - 29 Jul 2013; edited 2 times in total
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P.
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PostPosted: 14:03 - 29 Jul 2013    Post subject: Reply with quote

..aaaaaand

Domain name:
trailworld.co.uk

Registrant:
Trailworld Limited

Registrant type:
UK Limited Company, (Company number: 5924435)

Registrant's address:
50 Crouch Hall Lane
Redbourn
Hertfordshire
AL3 7EU
United Kingdo
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Nick__C
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PostPosted: 14:08 - 29 Jul 2013    Post subject: Reply with quote

PeteLockwood wrote:


op use paypal little protection is better than nothing.


Don't think paypal covers me, due to the goods not being postage, and it not being the whole payment being made.

iooi wrote:


Check them out on companies house and see how they look there.


Will do tah.

iooi wrote:


Not sure that PP would cover this anyway.

Remember they only have a 45 day claim period.


Trip is September 5th so just within really.

iooi wrote:


There are no charges for bank transfers. Unless you are making a Euro to GBP or such.
I guess they are a small company. Poss 1 man band or such and want to keep costs down as much as possible.


Meh, not sure then, was told I'd be charged for sending money overseas (possibly because it goes into a Spanish account?) and to deduct this from the total..
The Spanish branch is relatively small I believe, just a couple who run it from their converted farm house.
-Matt- wrote:


Are they based in spain or the UK if you're able to work it out - any offices in the UK etc Question


Trailworld UK is obviosuly in England and runs tours in Hersfordshire I think and a couple run tours in Spain under Trailworld Spain (obviously).

Website is https://www.trailworld.co.uk/index.php for anyone interested.
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-Matt-
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PostPosted: 14:11 - 29 Jul 2013    Post subject: Reply with quote

I guess if there seems to be a fair bit of stuff on youtube with people youve contacted who definately aren't just 1 post 1 video accounts set up by mr-fake-holidays etc then its probably legit, maybe try drag payment out the the last minute to give you as much time to get the paypal claim going through on time should anything fall through later down the line Question
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Nick__C
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PostPosted: 14:15 - 29 Jul 2013    Post subject: Reply with quote

I do think it's legit tbh, I've seen a thread online about them the UK HQ being hit with a theft and someone actually references the people who run TW Spain..

Not too concerned about the time elapsed because it looks like the payment is ineligible for paypals protection so we'd be relying on the credit card protection..

I also get Broomhills when I google map it, however that race track/ small circuit to the left looks very much like one I've seen in a youtube video lol...
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andys675
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PostPosted: 15:53 - 29 Jul 2013    Post subject: Reply with quote

ring credit card company and explain the recipient doesn't have a card machine and ask if they can send you a cheque book for the credit card in question, then write them a cheque
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Rogerborg
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PostPosted: 15:55 - 29 Jul 2013    Post subject: Re: Final payment for trail riding. Reply with quote

Nick__C wrote:
don't accept credit cards and have asked for a bank transfer or alternatively a paypal payment.

Won't pay CC fees but will accept being gouged by PayPal?

That's dodgier than a pack of Jammy Dodgers being pushed down a cobblestoned hill in a three wheeled shopping trolley by a Saint Vitus Dance eppy.

Tell them that you'll pay cash on the day if they're still in business and provide what they promised. If your "deposit" hasn't already secured your places, then what exactly did it buy you?
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Skudd
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PostPosted: 16:42 - 29 Jul 2013    Post subject: Reply with quote

Even if you just pay £1 by credit card via paypal you are covered for the FULL amount by your card. So says that Geek for finance. Thumbs Up
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Imonster
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PostPosted: 17:49 - 29 Jul 2013    Post subject: Re: Final payment for trail riding. Reply with quote

Rogerborg wrote:


Tell them that you'll pay cash on the day if they're still in business and provide what they promised.


I'm not entirely sure of their current payment arrangements, but rest assured that they're a legitimate long standing business, not con artists, very welcoming, and you'll have a ball. Ridden with them three times (most recently at the beginning of March) and there have been no worries.

If you've got any concerns OP, just give them a bell or if you're already friends with the couple on FB get in touch with them there - they're decent people and don't bite.
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Nick__C
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PostPosted: 18:01 - 29 Jul 2013    Post subject: Re: Final payment for trail riding. Reply with quote

Imonster wrote:
Rogerborg wrote:


Tell them that you'll pay cash on the day if they're still in business and provide what they promised.


I'm not entirely sure of their current payment arrangements, but rest assured that they're a legitimate long standing business, not con artists, very welcoming, and you'll have a ball. Ridden with them three times (most recently at the beginning of March) and there have been no worries.

If you've got any concerns OP, just give them a bell or if you're already friends with the couple on FB get in touch with them there - they're decent people and don't bite.


Cheers for that, I'm confident they're legit and all that after speaking with Fran and Sal but just wanted confirmation about paying with credit card over paypal and the associated protections, [I] just in case [/] as dad is abit of a stickler for that when parting with money haha Laughing
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Last edited by Nick__C on 18:13 - 29 Jul 2013; edited 1 time in total
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PostPosted: 18:12 - 29 Jul 2013    Post subject: Reply with quote

It's not that odd for overseas companies not to take cards. My boss had to transfer the balance of his skiing holiday for the same reason and he couldn't find a single one that took cards.

It does seem to be restricted to just family run or single owner type businesses though. I had no problem phoning Alpinestars HQ in Italy and making a CC payment over the phone. I had actually rehearsed some Italian to make the payment but the person answered the phone in perfect English and transferred me to the accounts dept. who again spoke perfect English. I actually felt slightly cheated.
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iooi
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PostPosted: 09:05 - 30 Jul 2013    Post subject: Reply with quote

Skudd wrote:
Even if you just pay £1 by credit card via paypal you are covered for the FULL amount by your card. So says that Geek for finance. Thumbs Up


OH NO your not....

S75 does not cover payments made via companies such as Paypal, Google checkout, Amazon market place & any of the other payment processing companies.

Reason being is that S75 is based on....

breach of contract and misrepresentation

For this to be shown there has to be a clear direct debtor/creditor link.

Now given that you are making payment to a 3rd party who are just moving the money. Thus they show on your statement. (no debtor/creditor link then)
Means there is NO breach of contract or misrepresentation as they have done as requested and move the money on your behalf.
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