Inability to pay at petrol station - credit agreement?

[spookly]

zarjaz1991 said:

It's more to do with not letting spotty oiks in petrol stations have my personal details. My credit card has been scammed three times now, and each time the source of it has been a petrol station, they are rife with scammers.

I can't get through a month without one of them trying the "your card isn't working, I just need to take it out the back" trick, which I refuse to allow them to do. The industry is riddled with scummy scammers. So no, they are not getting my home address, date of birth telephone number and then later credit card details to match. If they don't like that they can call the police.

You aren't giving them enough info to scam you. Name, address, phone number. I bet I could find those through google in 5 minutes flat.

And how did you find out it was a petrol station was the source?

And as for letting them take your card away?? What kind of weird garages are you filling up at? I've not had anyone try and take my card from me in years, you put your card in the machine, punch some buttons, then take your card back. No need for garage staff to touch it at all.

[OverSteery]

anonymous said:

[redacted]

sounds like you should be suing your Dad and Texaco for cruelty and mental hardship. I reckon this is worth multi-millions...

[covboy]

MrBarry123 said:

Soov535 said:

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"........

Remember the days when petrol stations (garages) used to employ someone to put the petrol in the car for you? A friend of mine went in and asked for £5 worth (quite a lot in those days) After a couple of minutes the attendant came round and said "sorry, I've put £6 in"

"Well?" Said my mate

"You'll have to pay £6" came the reply

"I've only got £5 on me"

"You've got to pay or else"

"Else what? "

"I'll take it out"

"Go on then"

The attendant disappeared into to garage and reappeared a minute later with a rather red faced manger who approached my mate with "That will be £5 please sir. The rest is coming out of his wages. Sorry for the inconvenience"

[julianc]

mel said:

zarjaz1991 said:

It's more to do with not letting spotty oiks in petrol stations have my personal details. My credit card has been scammed three times now, and each time the source of it has been a petrol station, they are rife with scammers.

I can't get through a month without one of them trying the "your card isn't working, I just need to take it out the back" trick, which I refuse to allow them to do. The industry is riddled with scummy scammers. So no, they are not getting my home address, date of birth telephone number and then later credit card details to match. If they don't like that they can call the police.

Crikey, with an attitude like that I'd hate to hear you when something goes wrong and it's NOT your fault! The bottom line is this situation comes about because YOU'VE been a knob and "forgotten" your means to pay. There are three easy solutions, pay there and then as requested, return the goods and leave or give them the details they are asking for so that they can extend a credit facility to you as a courtesy. If you can't do option one and option three is not acceptable to you, then best you call out someone who can safely pump your tank out. It's never a good idea to bite the hands that are trying to help you when you've cocked something up.

I thought the point zarjaz was making was that he does have the means to pay, but as there is an intention to scam they make an excuse to take the card out of view to scam it.

So I actually agree with zarzaj - never let the card out of your sight.

[beko1987]

Op's a dick

SWMBO did something similar a while ago, she has a habit of only keeping a small amount in her current account, the rest is squirreled away in a savings account thing tucked to the side of her current AC online (she's had her card stolen before, so figures that if there's only £50-60 on it, it limits the damage, she just logs on and transfers a bit over now and again)

Quick phonecall to me to pop some more money in, which I do. Then, apparently the till guy gets cocky and loudly starts mentioning that she can't pay, that she's stealing fuel etc. So she lets him work himself up, then asks to try again "of course love, although if you HAVEN'T GOT THE MONEY then it wont work, if you know you can't pay you should not have filled up, or put less fuel in etc

Payment cleared, she calls the manager over and the guy gets a bking about his attitude. Then I get moaned at for her spending more than she thought and not having enough funds to pay for something...

I always double check I have means of payment before i put fuel in, either by checking that the cash I have hasn't fallen out of my pocket etc, or that I do have my card. Don't know why, but it's habit now!

[Danattheopticians]

Simplest answer, ALL fuel stations adopt a pay up front policy. Done.

[snorky782]

Danattheopticians said:

Simplest answer, ALL fuel stations adopt a pay up front policy. Done.

That's it. Well done, there's one or two people who make a mistake every once in a while compared to the billions of fuel transactions every year that don't have an issue. Always a good idea to completely change polices to accommodate such a massive minority.

[Davel]

Much of this seems to be about attitude.

Okay, you forgot your wallet and st happens but it's not the cashier's fault or even the petrol station's.

All you need to do is apologise, give your details if asked and then return and pay.

No need to get uppity at all, it's your mistake (even if unintentional) and just keep it civil between you and them.

The poor cashier probably has a pretty st job and earns peanuts so why make it harder for her / him.

[ging84]

You were happy to agree orally that you would return later to pay for your goods but un willing to make the exact same agreement in writing.

If the petrol station was legally no able to agree a sale of contract where someone was to pay for the goods after they had taken them away, the you would not have legally been able to take them away, so he would have been exactly right to call the police, because leaving with goods that did not belong to you would have been theft.

It is however perfectly legal to agree to a sale where the goods change hands before payment is received, this is a very ordinary transaction, it does not mean you have entered into a regulated consumer credit agreement.

it's pretty sad that things have got to the point where people are so casual about entering credit agreements that people can't figure out the difference between leasing a car and buying the petrol to put in that car.

[cmaguire]

Danattheopticians said:

Simplest answer, ALL fuel stations adopt a pay up front policy. Done.

That won't work anyway unless you know exactly how much you need and they have the ability to stop the pump at that exact pounds/pence or litres.

Several times in France on the Autoroutes I have had to go to the cashier and leave my payment card before they will authorize the pump. This applied to all customers, so I expect they get a lot of drive-offs.

[R E S T E C P]

cmaguire said:

Danattheopticians said:

Simplest answer, ALL fuel stations adopt a pay up front policy. Done.

That won't work anyway unless you know exactly how much you need and they have the ability to stop the pump at that exact pounds/pence or litres.

It works in America. Pumps automatically shut off when you've reached the limit.

"Pay at Pump" is a much better solution, though.

[nickwilcock]

1. Always check that you've got some money / card before filling up.
2. Always check that the cubicle has some paper before sitting down.

[GCH]

R E S T E C P said:

cmaguire said:

Danattheopticians said:

Simplest answer, ALL fuel stations adopt a pay up front policy. Done.

That won't work anyway unless you know exactly how much you need and they have the ability to stop the pump at that exact pounds/pence or litres.

It works in America. Pumps automatically shut off when you've reached the limit.

"Pay at Pump" is a much better solution, though.

Yes but it is bloody annoying over here when you want to fill it up, but don't know how much you need, so you have to go in and prepay (overpay in fact) , then fill up, then go back in and get the difference back.
I agree that pumps with card readers are so much better - except when they won't accept foreign issued cards

[Red Devil]

ging84 said:

If the petrol station was legally no able to agree a sale of contract where someone was to pay for the goods after they had taken them away, the you would not have legally been able to take them away, so he would have been exactly right to call the police, because leaving with goods that did not belong to you would have been theft.

The sin of omission (inadvertently forgetting your wallet) is not criminal. On its own, the mere act of leaving is insufficient. Look up the definition in Section 1 of the Theft Act 1968. The 'not have legally been able to take them away' in your scenario is a contractual matter which would not be dealt with in a magistrates court.

A deliberate drive off (which is not what this thread is about) is something else. It is no different from shoplifting. The practical issues arising from low value theft from supermarkets spawned a whole new industry: retail loss prevention.

[mel]

Pete102 and his mate out for a beer, 102 realises he's left his wallet at home so his mate says, "no worries I'll sub you a score" "are you registered with the FCA?" "fk you then, buy your own beer"

[cmaguire]

GCH said:

Yes but it is bloody annoying over here when you want to fill it up, but don't know how much you need, so you have to go in and prepay (overpay in fact) , then fill up, then go back in and get the difference back.
I agree that pumps with card readers are so much better - except when they won't accept foreign issued cards

I use Tesco (or Esso) where possible because of the points and Eurotunnel, and all pumps have Pay at Pump facility.
Yet more than 50% still go inside to pay. Why the hell would you do that ?

[Trabi601]

speedking31 said:

Another option is to phone a friend and get them to pay using their card over the phone and then reimburse them later.

That would be against their Payment Card Industry certification - they won't be certified for 'cardholder not present' payments.

[bigandclever]

cmaguire said:

I use Tesco (or Esso) where possible because of the points and Eurotunnel, and all pumps have Pay at Pump facility.
Yet more than 50% still go inside to pay. Why the hell would you do that ?

Maybe things have changed but not that long ago pay at pump-based card fraud was rife.

[mph1977]

zarjaz1991 said:

It's more to do with not letting spotty oiks in petrol stations have my personal details. My credit card has been scammed three times now, and each time the source of it has been a petrol station, they are rife with scammers.

I can't get through a month without one of them trying the "your card isn't working, I just need to take it out the back" trick, which I refuse to allow them to do. The industry is riddled with scummy scammers. So no, they are not getting my home address, date of birth telephone number and then later credit card details to match. If they don't like that they can call the police.

and then people wonder why , other than the premium fuel weenies , more and more people fill up at the Supermarket ...

[mph1977]

cmaguire said:

That won't work anyway unless you know exactly how much you need and they have the ability to stop the pump at that exact pounds/pence or litres.

IIRC many of the control consoles allow that and i've seen pumps with a preset option which allows you to increment in 10 and 1 or either litres / currency unit - tesco seem to have quie a few of those ...