Where to report tourist scams
#31
Forum Regular
Thread Starter
Joined: Jun 2003
Location: Belgium
Posts: 247
Re: Where to report tourist scams
Prices change because of all kinds of market conditions. If I'm a merchant, I'm going to say my price increase is due to some factor that I want to attack. I can rationalize the price however I want, but I can't change the fact that my prices are controlled by competition, not whatever I choose to name as a reason. I can say my prices are higher because Michael Jackson died if I want, but MJ's death is not what enabled me to charge more for a tapa. If an employee gets sick and I have to pay more for a temp on last minute notice, that doesn't enable me to charge more for a tapa either. If I get away with charging more one day because I had to pay more to them temp worker, and net income increases, then I wasn't charging enough before the temp worker appeared.
Oops.. The avatar threw me off.
Last edited by jgombos; Aug 4th 2009 at 7:45 am.
#33
Re: Where to report tourist scams
(and no, not that long ago, either... !!)
Anyway, back to the original question, two thoughts.
1) As someone said, it was your choice to accept the deal presented when you attempted to pay by credit card. (though I recognise you could not have guaranteed to have cash available to make an alternative form of payment)
2) Businesses here have to have a Complaints book so I imagine that would have been your first port of call if you realised instantly you had, as you saw it, been scammed. I've never had cause to use one but understand they're taken very seriously.
#34
fed up with england
Joined: Apr 2006
Location: leicester
Posts: 228
Re: Where to report tourist scams
hi there the restusarant would make nothing from this i have a shop with a card transation in place there are a charge for every card used to me not you.every card is different but it costs the merchant more for oversea cards i had a lady from france with a french debit card she payed for goods at the cost of 22 pounds this transation cost me 4.50 pounds . its not a scam the costs on transactions dont come cheap.poeple dont carry cash any more so us small shop keepers have no choise
#35
Re: Where to report tourist scams
hi there the restusarant would make nothing from this i have a shop with a card transation in place there are a charge for every card used to me not you.every card is different but it costs the merchant more for oversea cards i had a lady from france with a french debit card she payed for goods at the cost of 22 pounds this transation cost me 4.50 pounds . its not a scam the costs on transactions dont come cheap.poeple dont carry cash any more so us small shop keepers have no choise
it may well have cost the OP extra, but as far as the restaurant is concerned - no scam, becuase they make nothing from it
#36
Re: Where to report tourist scams
hi there the restusarant would make nothing from this i have a shop with a card transation in place there are a charge for every card used to me not you.every card is different but it costs the merchant more for oversea cards i had a lady from france with a french debit card she payed for goods at the cost of 22 pounds this transation cost me 4.50 pounds . its not a scam the costs on transactions dont come cheap.poeple dont carry cash any more so us small shop keepers have no choise
I think there are two issues getting blurred - as helenba rightly says the merchant has to pay for card transactions and (I believe) can choose to put a clearly defined on-cost to card customers. That isn't a scam.
However the op was talking about being 'forced' to pay in GBP which he didn't want to do. As it happens I was asked (for the first time ever) in Eroski the other day which currency I wanted to pay in - so it must be possible for the customer to make that choice. And it was, as someone has said, after keying in my pin.
Two issues.
#37
Re: Where to report tourist scams
I am another confused person. How does someone who lives in Belgium have a CC which is charged in UK pounds? I have always thought that Belgium was in the Euro zone.
As a note has anybody read jgombos posting history? they always seem to find some sort of payment scam!
As a note has anybody read jgombos posting history? they always seem to find some sort of payment scam!
#39
BE Enthusiast
Joined: Apr 2006
Posts: 614
Re: Where to report tourist scams
Well, it starts with the word "Suppose", so it's a purely theoretical question. Maybe we should organise a test - some people go and get completely tapas'd in several bars and pay for each one with a CC. Another party goes to the same bars and pays with cash. In the end we could check to see who enjoyed themselves the most.
#40
Re: Where to report tourist scams
Well, it starts with the word "Suppose", so it's a purely theoretical question. Maybe we should organise a test - some people go and get completely tapas'd in several bars and pay for each one with a CC. Another party goes to the same bars and pays with cash. In the end we could check to see who enjoyed themselves the most.
#41
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Thread Starter
Joined: Jun 2003
Location: Belgium
Posts: 247
Re: Where to report tourist scams
I'm not talking about varying unit price, I'm talking about adding a clearly identified on-cost to the bill where a card was used, say 1€ or 50p or whatever. That was common practice in anywhere I've ever worked and in the case of my business was discussed with the bank & credit card facility supplier too..... (IMMSMC that on-cost charging included Debenhams)
What I never agreed to was the terms that printed out after I agreed, claiming that I agreed to something quite different than what I was presented.
I've stated this already. Are you saying verbal agreements are meaningless in Spain? In the US, verbal agreements are legally binding, and if an employee were to state that the charges would be in a particular currency, it would indeed be a breech of contract for them to charge a different currency.
After agreeing to pay euros (having been shown the price in GBP), this is what printed out:
Code:
Service and exchange rate provided by "la Caixa" includes a 2.5% mark-up over wholesale rate. I accept that I have been offered a choice of currencies for payment. I accept that the conversion rate and final amount. I understand that the choice of transaction currency is final.
#42
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Joined: Jun 2003
Location: Belgium
Posts: 247
Re: Where to report tourist scams
The machines definitely must be capable of charging in just the local currency, or offer a choice, because visa's rules mandate that merchants who use DCC offer a clear choice to the client. But what happens is staff will do some data entry, hand the device to the client just when it's asking for a pin, and take back control. Establishments are taking the liberty of answering questions that are meant for the client -- and it's a violation of the merchant agreement for them to do this.
Last edited by jgombos; Aug 4th 2009 at 7:07 pm.
#43
Re: Where to report tourist scams
It's a breech of contract (and also illegal in some parts of the US). I wouldn't characterize it as a "scam" if the surcharge is made clear in advance, and there's no opportunity for a client to overlook it. But often merchants who surcharge will sneak it in, undetected by all but the most meticulous of eyes (Eg. Elak electronics shop in Belgium); and in that case, I would call it a scam, because it's done w/out the clients knowledge.
The machines definitely must be capable of charging in just the local currency, or offer a choice, because visa's rules mandate that merchants who use DCC offer a clear choice to the client. But what happens is staff will do some data entry, hand the device to the client just when it's asking for a pin, and take control. Establishments are taking the liberty of answering questions that are meant for the client -- and it's a violation of the merchant agreement for them to do this.
The machines definitely must be capable of charging in just the local currency, or offer a choice, because visa's rules mandate that merchants who use DCC offer a clear choice to the client. But what happens is staff will do some data entry, hand the device to the client just when it's asking for a pin, and take control. Establishments are taking the liberty of answering questions that are meant for the client -- and it's a violation of the merchant agreement for them to do this.
#45
Forum Regular
Thread Starter
Joined: Jun 2003
Location: Belgium
Posts: 247
Re: Where to report tourist scams
hi there the restusarant would make nothing from this i have a shop with a card transation in place there are a charge for every card used to me not you.every card is different but it costs the merchant more for oversea cards i had a lady from france with a french debit card she payed for goods at the cost of 22 pounds this transation cost me 4.50 pounds . its not a scam the costs on transactions dont come cheap.poeple dont carry cash any more so us small shop keepers have no choise
it may well have cost the OP extra, but as far as the restaurant is concerned - no scam, becuase they make nothing from it
From http://www.fintrax.com/DCCMerchantsFAQs.aspx#gobt2 :
How does the Fintrax DCC terminal benefit my business?
Some of the key benefits of the service include:
* Cost Saving: You will receive a competitive monthly rebate on the credit card transactions which are processed in the cardholders billing currency. This rebate can be used to offset your merchant service fees or it can be treated as an additional source of income.
Some of the key benefits of the service include:
* Cost Saving: You will receive a competitive monthly rebate on the credit card transactions which are processed in the cardholders billing currency. This rebate can be used to offset your merchant service fees or it can be treated as an additional source of income.