Re: Cheapest calls from Orange contract phones - 0p/min anytime

Yes but remember that your credit card company has joint responsibility.

Continuous credit card authorisation, direct debit is not an option.

Sam

then if company goes bust the credit card is jointly liable for the debt ie they will have to refund you. If you use debit card you do not have this protection and is more difficult to get money back. Eric

I use my debit card :(

Only for single transactions over £100.

Jon

ISTR there are two options for such payments from a credit card.

I think the transaction has to be worth more than 100 and not be part of a continuous credit card authorisation.

If you have a CCA then you have given the company authority to draw as much as it believes you owe them and I think the matter is only between you and the company.

Do Orange charge for 0808 numbers - see extract from 1899 website below...

Ian

... Can I use 1899 from my mobile or a payphone? Unfortunately you cannot use 1899 from a payphone but mobile customers can use our dedicated 0808 170 7474 access number. Just register your mobile number and you can start using 1899 immediately. From mobiles* dial 0808 170

7474, wait for the voiceprompt and enter the follow-on telephone number. For example: 0808 170 7474 -wait for voiceprompt- 001 818 456 4567.

• Mobile operators may charge for calls to 0808 numbers depending on your operator and tariff plan; please check with your mobile operator for correct rates. Alternatively if you cannot dial our 0808 170 7474 number for free or use your inclusive free minutes to 0808 numbers, you can also ring local rate number 020 7001 9696 which can be used with your inclusive free minutes! ...

So essentially there is no protection from your cc company at all?

You can withdraw the CCA at any time by writing to the company. If there are any charges after you write to them, then you can get these charged back.

Thanks. What happens if the company scams all its customers with fraudulent bills, the directors vanish with the profits, and the company goes bust?

But how do you "write" to 18866 etc.?

There is an email address from which I received a very speedy response to an operational query I had with them.

They also show a London PO Box Number on there "Statement" page.

Not quite as re-assuring as having a office you could visit.

Not quite true about the £100 transaction. Since I do a lot of online shopping, of course sooner or later you will not receive some goods. I ordered a mobile phone cover and data cable from the

the good never arrived, and the only way to contact them is through their online form. I had no response so contacted Barclaycard, who refunded the money, which was £16.70. Also last year I did not receive some medication ordered from an Australian site, this was £67, which Barclaycard again refunded. You just have to contact them and tell them you would like to dispute a charge on your account, this will then go into dispute, it will show on your statement as 'disputed item', no interest will be charged but it will show in the total amount.

Any item bought with a credit card is a joint contract between yourself and the retailer, then yourself and the credit card company.

Shafik

The law requires the Post Office (or in this case Royal Mail) to release the full address of a PO Box number.

However there is a snag, you need to go to the sorting office in the area of the box number to get this information.

If your box # has the full Postcode, and you are prepared to find the sorting office address and take a trip, you could find out.

Or maybe someone here who lives in the same postcode area could do it and post the information here.

Just type the postcode into streetmap.co.uk and you'll get the location of the delivery office (not necessarily a sorting office, these days).

I think you're confusing your statutory rights, under the Consumer Credit Act 1974, and discretionary extra assistance that the credit card provider may, but is not compulsorily required to, provide.

Unless some clause in your card's Terms and Conditions explicitly states that they will extend the CCA provisions to *any* transaction, you should not rely upon it.

Jon

Jon S Green wrote: [...]

ISTR that Barclaycard are one of the better cards in this regard. They offer all sorts of warranties and goodies on the account.

Shame they're otherwise not terribly good and a bit evil.

J>

Jon, I think what you write above is dead right.

It leaves open the original worry I had about what sort of credit card withdrawal authority we have given to a company which charges so little that it may in the end struggle to be viable.

Even 18866 are using VoIP, as Iain mentioned, it is a relatively new way of providing a phone service and one which may cost more to provide than 18866 originally calculated.

Not long ago I was involved with a company that went bust and the process was full of people who didn't give a damn about who lost what as long or how much - as they came out of it with as much as they could get. The prcoess can be quite nasty all round.

Maybe someone else here knows what sort of risk we users are taking with giving 18866 some authority on our credit cards in view of the fact that 18866 is barely well known and rather hidden.

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Which? magazine wrote not that long ago ....

"A continuous authority transaction (Cat) is the equivalent of a direct debit. It's an instruction for the provider of goods or services to bill your card regularly. For example, you might use this method to pay an internet service provider or for breakdown insurance.

Unlike a direct debit, if you want to cancel a Cat, you have to write to the company that is making the charges and ask it to cancel the payments. By contrast, if you want to cancel a direct debit, you tell your bank to stop the payments.

If your statements show that money is still being charged to your credit card after you have cancelled a Cat, send your card issuer a copy of your cancellation letter. It should then arrange to refund the money, although it doesn't have to."

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A continuous charge authorisation.