Inability to pay at petrol station - credit agreement?
Discussion
Why would you even bother? If I'd forgotten my wallet, I'd be signing whatever the f
k they wanted me to sign there and then, apologising profusely and returning asap to pay, not asking if they were FCA registered and telling them that whatever you were signing was not a credit agreement 
k they wanted me to sign there and then, apologising profusely and returning asap to pay, not asking if they were FCA registered and telling them that whatever you were signing was not a credit agreement It seems to me that you were signing something to accept that you were in debt to them and would return to settle the debt.
I don't believe this is a credit agreement. If I paid my gardener (if I had one) the day after he did my garden, he doesn't need to be credit agency.
So I vote you are a dick too. Is it not an offence to take petrol without the means to pay?
I don't believe this is a credit agreement. If I paid my gardener (if I had one) the day after he did my garden, he doesn't need to be credit agency.
So I vote you are a dick too. Is it not an offence to take petrol without the means to pay?
Phil Dicky said:
Stoofa] said:
My opinion - you were a dick.
This I'm afraid OPIf Id been the manager Id have picked up a phone and told him if he attempts to move the car before paying the police woukd be notified of a drive off. Oh and reminded him of the 2 hour parking penalty charge enforced by contractor. FFS.
22 said:
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.
I was in a Greek restaurant in Brighton, in a group, when a chap on a table near us - they were all near us I suppose - was unable to pay for his meal. I couldn't help overhearing because I was listening. After a quiet chat, his guest refused to pay for it, suggesting that she'd never been so embarrassed before and such. The odd thing was that had she not raised her voice, no one would have known about it.s. In the end the bloke asked to speak with the manager who seemed quite laid back about it. He spoke quietly and I couldn't hear him but the agreement was that the bloke would return to his car leaving his g/f there as collateral. The girl then said she wasn't staying. A friend of mine on my table said he'd guarantee the bloke's cost of a meal if he'd give him his details. The girl would have to pay for her own meal. Afterwards he said he'd done it just to keep the entertainment going.
In the end the bloke left, returned less that five minutes later (the restaurant was near a large underground car park). His g/f stood at the door and walked off when he arrived. The manager dealt with the matter just as if it had happened a few times before.
I think the restaurant has been bought out by Germans since then.
Some need to calm down a little. The OP has not made any attempt to run off or shirk what he owes. The garage are quite right to get a signature to confirm it's owed, as if he didn't return they then have a reg plate and a signature to pursue him, by whatever method deemed fit.
As to does it entail a credit agreement, does it fk! It was probably just a poor/misguided choice of words.
Whilst it is obviously an offence I am well aware that some garages can make you feel like a crook if it happens. Many years ago I filled up my car on payday, yet it became apparent later in the day that work were late paying me. I'd filled up in good faith, but the card declined. The words of the cashier were 'if you leave without paying that's shoplifting and we'll call the police'. My response was along the lines of 'I beg your fking pardon?!'
I stated that I didn't want to speak with her any longer and to get her boss. He was a little more tactful, and they got paid the next day.
As to does it entail a credit agreement, does it f
k! It was probably just a poor/misguided choice of words.Whilst it is obviously an offence I am well aware that some garages can make you feel like a crook if it happens. Many years ago I filled up my car on payday, yet it became apparent later in the day that work were late paying me. I'd filled up in good faith, but the card declined. The words of the cashier were 'if you leave without paying that's shoplifting and we'll call the police'. My response was along the lines of 'I beg your f
king pardon?!'I stated that I didn't want to speak with her any longer and to get her boss. He was a little more tactful, and they got paid the next day.
Done this before myself, fortunately at the local petrol station where I have been going for the last 20 years. They told me If they choose to let you leave with the vehicle, having told them you have no means to pay and you don't return to pay the old bill are not interested in following it up. If they let you leave and you don't pay, having indicated that you would, they are slightly more interested in doing something about it just like if you drove off without paying for the fuel.
Edited by shep1001 on Thursday 28th July 11:19
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.
OP, you might be technically right (for a court decide) but I think you have your priorities staggeringly wrong in your analysis.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.
It wasn't like he was asking you to agree to pay 2x the petrol cost, promise your first born's soul, etc. He was helping you out.
Hint: next time, the words are, "thanks for being so understanding, I'll be back tonight to pay"
Stoofa said:
you were a dick.
This is the most succinct way of putting it. If the Garage agrees for you to pay later; and you don't; the police can potentially prosecute you if it can be proven you were acting dishonestly. Otherwise the Garage will have to pursue you via Civil courts. So its a mix of criminal and civil.
You're still a dick for the "are you registered with the FCA" line when they could have just phoned the police; and made your life difficult.
Edited by esxste on Thursday 28th July 11:56
AyBee said:
Why would you even bother? If I'd forgotten my wallet, I'd be signing whatever the fk they wanted me to sign there and then, apologising profusely and returning asap to pay, not asking if they were FCA registered and telling them that whatever you were signing was not a credit agreement
Quite. k they wanted me to sign there and then, apologising profusely and returning asap to pay, not asking if they were FCA registered and telling them that whatever you were signing was not a credit agreement The knob alert was going off in my head when I read that OP. If similar happened to me, I would be all to happy to sign to say I'd come back and pay later. In fact, I'd be all to embarrassed to do anything else.
Anyway, so what if it is a "credit agreement"? If you filled up with say £60 of fuel you would have to pay it then or later anyway, it's not like they'd charge you £100 on your return!
williamp said:
My Dad did this year ago. They agreed to leave ME!!!! as a guarantee that he would return. Luckily for me Dad did return. Its the Texaco in Maidstone. Still remember the feeling of being left like it was yesterday...
Didn't David Cameron do something like this recently?I worked in full-service place while at college and people would often offer to leave watches but the owner wouldn't let us take them as he'd heard people will claim you broke it, or switched it for a cheaper one.
Stoofa said:
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.
Yep, he could have gone there with his cards which were in his wallet at home and drawn out some cash ???About three years ago my local Supermarket petrol station lost their link to the online payment system, they therefore couldn't take my payment for £30 of fuel. The cash machine outside was also affected and I dint have any cash with me.
Three people were stood in the shop, having been told they couldn't leave until the problem was fixed, which would be about an hour. When it came to my turn, and I was rather curtly told the same thing, I said I was leaving anyway and if they weren't happy they should call the police. I said I'd return the next day with the cash, which I did, but I couldn't get over both the attitude of telling people they couldn't leave, and also the blind acceptance of other people that this was ok.
Three people were stood in the shop, having been told they couldn't leave until the problem was fixed, which would be about an hour. When it came to my turn, and I was rather curtly told the same thing, I said I was leaving anyway and if they weren't happy they should call the police. I said I'd return the next day with the cash, which I did, but I couldn't get over both the attitude of telling people they couldn't leave, and also the blind acceptance of other people that this was ok.
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