Inability to pay at petrol station - credit agreement?

Inability to pay at petrol station - credit agreement?

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Discussion

Pete102

Original Poster:

2,042 posts

185 months

Thursday 28th July 2016
quotequote all
Stupidly filled up and realised my only means of payment was via contactless on my mobile...which of course they wasn't able to accept.

Had no ID on me other than a work access card. I was asked to leave something of value, this wasn't going to happen since the only thing I had was my phone and I was due on a work call in the next 30 minutes. The manager then asked me to write my details down (fine, no problem there) but then asked me to add on the bottom 'I agree to return and pay' since this will form a credit agreement with the petrol station.

I asked if the station was registered with the Financial Conduct Authority to which he replied no. On the basis I responded that it was not a credit agreement and would not hold up as such. I'm not arguing this was not an agreement between myself and the station (although only I signed it) but I do have an issue with it being termed a credit agreement.

I'm assuming the guy felt a little on the back foot here as he then suggested calling the police, again I mentioned that I'm not refusing to pay, I'd left my wallet at home (realising after filling up) and I'd be back that day to settle up - surely this is firmly in the civil side of things rather than criminal?

Opinions welcomed - am I wrong? - Its worth adding this was a small Gulf-affiliated forecourt.

MrBarry123

6,025 posts

120 months

Thursday 28th July 2016
quotequote all
Some people really don't help themselves...

"Are you registered with the FCA?"

rolleyes

Stoofa

958 posts

167 months

Thursday 28th July 2016
quotequote all
Opinions welcomed.

OK, well first you should have checked that you were able to pay before filling your car up.
Secondly, how far was the closest cashpoint? I mean, even if it was a couple of miles that would be within walking distance - so refusing to pay/can't pay, blurred edges.

So then you went into the petrol station where the manager there has probably heard every story under the sun. He's asked you to promise to go back and pay rather than being totally awkward - he could have called the police, that could have delayed you further no matter how much refusing/cannot pay arguments you made.
But instead you decide to make it HIS fault you didn't check and couldn't make the payment and gave him some "smart" reply.

My opinion - you were a dick.

Phil Dicky

7,162 posts

262 months

Thursday 28th July 2016
quotequote all
Stoofa] said:
My opinion - you were a dick.
This I'm afraid OP

marshalla

15,902 posts

200 months

Thursday 28th July 2016
quotequote all
Did you return and pay?

Prizam

2,335 posts

140 months

Thursday 28th July 2016
quotequote all
Phil Dicky said:
Stoofa] said:
My opinion - you were a dick.
This I'm afraid OP
Yup

Wacky Racer

38,099 posts

246 months

Thursday 28th July 2016
quotequote all
Were you wrong? Yes.

Remember your wallet next time, but these things can happen.

spookly

4,011 posts

94 months

Thursday 28th July 2016
quotequote all
Yeah, you were being a knob.

If you accidentally filled believing you had the means to pay and then didn't then I'm sure that happens all the time. Getting weird with the staff when offered the opportunity to resolve it by coming back later to pay is a bit of a dick move regardless of what you think of the legal status of any agreement.

POORCARDEALER

8,523 posts

240 months

Thursday 28th July 2016
quotequote all

FFS are you for real OP

speedking31

3,543 posts

135 months

Thursday 28th July 2016
quotequote all
No matter what is written on the piece of paper or what you signed, the agreement is what it is. At the end of the day a court would decide whether it was a credit agreement or whatever. If you returned and paid it would never get to court so it doesn't matter.

Perhaps he should have asked if you have business cover on your car insurance if you're taking work calls rolleyes

Boosted LS1

21,165 posts

259 months

Thursday 28th July 2016
quotequote all
It's not a police matter if you've made a genuine mistake and provided your details etc. If I made this mistake I certainly wouldn't hang around waiting for the police to arrive. I'd go to a cashpoint. I'd happily sign an IOU or something similar.

snorky782

1,115 posts

98 months

Thursday 28th July 2016
quotequote all
Pete102 said:
Stupidly filled up and realised my only means of payment was via contactless on my mobile...which of course they wasn't able to accept.

Had no ID on me other than a work access card. I was asked to leave something of value, this wasn't going to happen since the only thing I had was my phone and I was due on a work call in the next 30 minutes. The manager then asked me to write my details down (fine, no problem there) but then asked me to add on the bottom 'I agree to return and pay' since this will form a credit agreement with the petrol station.

I asked if the station was registered with the Financial Conduct Authority to which he replied no. On the basis I responded that it was not a credit agreement and would not hold up as such. I'm not arguing this was not an agreement between myself and the station (although only I signed it) but I do have an issue with it being termed a credit agreement.

I'm assuming the guy felt a little on the back foot here as he then suggested calling the police, again I mentioned that I'm not refusing to pay, I'd left my wallet at home (realising after filling up) and I'd be back that day to settle up - surely this is firmly in the civil side of things rather than criminal?

Opinions welcomed - am I wrong? - Its worth adding this was a small Gulf-affiliated forecourt.
Quoted, purely for when the OP deletes it as it hasn't gone his way.

Completely agree with all the comments about the OP being a wally.

Soov535

35,829 posts

270 months

Thursday 28th July 2016
quotequote all
MrBarry123 said:
Some people really don't help themselves...

"Are you registered with the FCA?"

rolleyes
rofl

Sorry but I'd have syphoned the petrol out if you'd said that to me.

FFS just be nice, say you'll come back with the money and say thank you.

"FCA"........

hehe

paulwirral

3,104 posts

134 months

Thursday 28th July 2016
quotequote all
[quote=Stoofa]Opinions welcomed.

OK, well first you should have checked that you were able to pay before filling your car up.

Isn't this the first instruction on the pump ?



Rangeroverover

1,522 posts

110 months

Thursday 28th July 2016
quotequote all
Prizam said:
Yup
Yup Yup

Davel

8,982 posts

257 months

Thursday 28th July 2016
quotequote all
Yep - you're a muppet OP.

Sorry but you caused the issue and then acted like an arse.

zarjaz1991

3,471 posts

122 months

Thursday 28th July 2016
quotequote all
Is this for real?

You can't pay for fuel. The petrol station tries to help you out by getting you to sign a piece of paper confirming you owe them the money. You ask them if they're registered with the Financial Conduct Authority.

Really?

Just....really?

Soov535

35,829 posts

270 months

Thursday 28th July 2016
quotequote all
Davel said:
Yep - you're a muppet OP.

Sorry but you caused the issue and then acted like an arse.


hehe


Jasandjules

69,825 posts

228 months

Thursday 28th July 2016
quotequote all
OP, for future reference, if you've made such a mistake in future, agree to return to pay later that day, give him your address details and then return later on.

Asking if they are FCA registered etc is not necessary.

22

2,269 posts

136 months

Thursday 28th July 2016
quotequote all
I had something similar. Out for dinner and forgot my wallet. Manager suggested I do some washing up, I asked for their risk assessment, food standards certification, insurance docs, lease agreement, audited accounts and a pair of marigolds and he pulled a face!

s.