Wednesday, 7 December 2016

CONVERSATIONS WITH SHOP ASSISTANTS ON THE OCCASION OF PROPOSING TO MAKE A PURCHASE OR RETURNING ONE - CONVERSATION THREE

"Good Afternoon to you. I wish to purchase this computer for £150. I will be paying £5 on my credit card and £145 in cash."

"Are you getting me at it, sir? You were in on Monday making a ruddy nuisance of yourself.  I suppose this is another of your jokes."

"I am deadly serious. You see, if I pay for any purchase by credit card then so long as the cash price was more than £100 for that one item, the credit card people are equally responsible as you if it falls to pieces in January or you go out of business before it's delivered to me. It makes no difference that only a small proportion of the price is on my card. The credit card company would be just as liable as if the entire price had gone on my card. And I can choose just to make my claim against them. I don't even have to bother with you. It's in section 75 of the Consumer Credit Act 1974 and that amazing book Breaking Law."

"Don't you mention that book in here. The boss will do his nut. Must say though, it sounds like a brilliant idea. I might do it myself when I go shopping."

"For cheaper purchases you can get some protection using most credit, debit and charge cards. Amex, Visa and MasterCard are included but it's nowhere as useful as what I've been talking about. Anyway, there are 70 people behind me in the queue so don't waste any more of my time or theirs."

"Charming."