Stemologica & Beautemer products - just got mine and read here!

[Tacirua]

Received the Stemologica & Beautemer products on Weds.

 

 

One of the Stem. jars was damaged.

 

 

I emailed their customer services and advised them of this.

 

 

Received a replacement yesterday.

 

 

I then decided to read up on the product which lead me to this site.

Yes I was horrified.

 

 

I immediately called Barclays after checking my statement to see whether the postage had been debited. which it had.

 

 

I spoke to the fraud department, explained the situation and had my card cancelled immediately. New one in the post!!

 

 

There is no such thing as a free lunch!

 

 

But they're not getting their goods back.

 

 

As far as I'm concerned, it was a FREE trial offer and all I had to do was pay for the postage!

[dx100uk]

own thread created.

 

 

dx

[dx100uk]

cancelling the card is bad advice and an old wives tale sadly

Barclays should know this , very poor advice

from a flippin FRAUD dept!

 

 

they'll still get the money through CPA

 

 

you need to cancel that. see below

 

 

GENERAL NOTES ON CHARGEBACK & Continuous Payment Authority & BACS

.....

We have been telling people to put a letter into their bank instructing them

not to make any payments under any circumstances to these companies

.

http://whatconsumer.co.uk/visa-debit-chargeback/- it works!

usually this should be done using the number on your debit card

.

banks MUST follow written intructions from their customers !

.

This fsa guide has now been updated:

.

http://www.fsa.gov.uk/static/pubs/consumer_info/know_your_rights_guide.pdf

http://www.fca.org.uk/news/continuous-payment-authorities-your-right-to-cancel

.

Here's the text:

.

Cancelling a regular

card payment:

.

When you give your credit or debit card details to a company and authorise them to take regular payments from your account,

such as for a gym membership or magazine subscription,

it is known as a ‘recurring transaction’ or ‘continuous payment authority’.

.

These are often confused with direct debits, but do not offer the same guarantee if the amount or date of the payment changes.

.

In most cases, regular payments can be cancelled by telling the company taking the payments.

.

However,

you have the right to cancel them directly with your bank or card issuer by telling it that you have stopped permission for the payments.

Your bank or card issuer must then stop them – it has no right to insist that you agree this first with the company taking the payments.

.

Be aware, though, that you will still be responsible for paying any money that you owe.

and that CANELLING YOUR CARD WILL NOT STOP THE CPA

.

..

.

New june 2013

.

Regulator orders Banks and mutuals to review complaints about not cancelling recurring payments from November 2009.

.

Consumers who have set up a regular payment from their account will now be able to successfully cancel that arrangement

by contacting their card provider, the Financial Conduct Authority said.

.

The FCA has been examining how easy it is for customers to cancel Continuous Payment Authorities (CPAs)

due either to payday lendersicon or for other regular payments such as subscriptions or gymicon memberships.

.

CPAs, which are also commonly called recurring transactions or recurring payments,

are relatively easy to set up but can be hard to cancel, causing problems for consumers trying to manage their finances,the FCA said.

.

Now, following the FCA review of how the largest high street banks and mutuals process requests to cancel CPAs, they have agreed that they will ensure that when

a customer asks for a recurring payment to end, that will be sufficient to cancel the arrangement. They have also confirmed that should a payment go through by

mistake following cancellation by a customer the customer will be refunded immediately.

.

In addition to securing this commitment, the largest banks and mutuals have agreed to review every individual complaint they have received about the non-

cancellation of a CPA and to pay redress where payments have continued to be made despite the customer cancelling the arrangement. This applies to all complaints

since November 2009 when the Financial Services Authority, the FCA’s predecessor, began regulating banking conduct.

.

Clive Adamson, the FCA’s director of supervision, said: “It’s important that consumers are confident that banks are meeting their everyday banking needs. Today

customers can be confident that when they ask for a Continuous Payment Authority to be cancelled – it will be cancelled - and that it can be done easily.

.

“We recognise that historically this is an area where some customers have struggled but the banks and mutuals have responded positively to our work on this issue.

From now on we expect them to be getting this right. In addition, they have committed to review past complaints.”

.

.

Also mentioned your displeasure that as whomever took your money had obviously attempted this many times

probably activating your banks own anti fraud software - nobody had the decency to inform my you this was going on.?

.

.In the FSA's own words:

.

..

What should I do about a payment from my account that I didn’t authorise?

.

Your bank must refund an unauthorised transaction.

Money can only be taken from your account if you have authorised the transaction

or if your bank can prove you were at fault –

.

see below.

Contact your bank immediately if you notice an unauthorised payment from your account.

.

If you are sure you did not authorise the payment, you can claim a refund.

.

However, your bank does not have to refund you if you do not tell it about the payment until 13 months

or more after the date it left your account.

.

Your bank must refund an unauthorised transaction

.

------------------

.

Your bank may only refuse a refund for an unauthorised transaction if:

.

? it can prove you authorised the transaction

– though your bank cannot simply say that use of your password,

card and PIN proves you authorised a payment; or

.

? it can prove you are at fault because you acted fraudulently,

or because you deliberately,

or with gross negligence, failed to protect the details of your card, PIN or password in a way that allowed the transaction

.

-----------------------

.

How quickly must my bank refund me for an unauthorised transaction?

.

The bank must make the refund immediately unless it has evidence that one of the above reasons applies.

Your bank may ask you to answer some questions and fill out a form confirming what has happened,

but it cannot delay your refund while it waits for you to return the form.

If the bank has evidence that one of the above reasons for refusing a refund applies,

it may investigate before making a refund

but must look into it as quickly as possible.

If your bank rejects your claim for a refund it should explain why.

If the transaction was on a credit card, the refund may not happen immediately.

But the card issuer cannot charge interest or ask for repayment of the amount unless it can prove you are liable to pay

[KEVPERSON]

You will have received an email with log in and password which is the same for the 2 sites, you need to log in and go to the autofill tabs in each account,

as these have been preset to receive a new order every month at a total cost of around £97.85 a month. You need to tick the box indicating no more orders wanted, save and re check that it

has done so. You need to return the 'samples' used or unused within 14 days with postal receipt and your name, address and email address on the package and on a note inside. If you do

not return the sample in 14 days you will have £97.85 taken from your bank account.

 

It is best to write off the two postage charges they have taken from your account and phone the 24 hour number for your bank and tell them that you are prepared to lose that money but no more,

give them the amount and ref numbers of the payments on your statement and tell them you want to stop anymore unauthorised payments as you have learned that this is a well known fraud. The bank will do that and will acknowledge

you for being alert to prevent the large amounts being taken. Cancelling your card will not stop them....... My view is that I have lost £7.90 but have learned a lesson about free trials and prevented £100's of pounds being taken

from my account....

[dx100uk]

great advice

 

 

dx

[sillygirl1]

GoGroupie seem to have offers for Raspberry Ketones and coffee extract and other 'berries' for about £10.99 for a 3 month supply, far better to try and order via them than this shabby lot.

 

Their offers vary but are worth keeping an eye on. I haven't bought anything like this from the but have bought electrical items and other stuff.

Edited December 1, 2014 by citizenB
removed link

[Tacirua]

Thanks for the advise dx. I shall certainly send it all back.Not worth the hassle and getting a ccj.

[KEVPERSON]

I wonder if that Go Groupie link will reward the referer if anyone buys after clicking it?

A quick google search gave me enough information to steer well away from it, I guess my experience with Stemologica is paying off.

I may be wrong but my spidy senses tell me Once Bitten Twice Shy, too many people trying to get their money back too on mse forums.......

[sillygirl1]

The Gogroupie link doesn't reward me in any way, I was just posting it to show that this overpriced product can be purchased much cheaper from a more easily trackable source, and from somewhere where they won't end up with a higher repeat charge which 'can't' be reversed.

 

I thought I was the cynical one. I've been on this site a long time helping answer questions and rarely have a negative comment.

[sillygirl1]

To the original poster, it is highly unlikely you will get a CCJ, the company is not registered in the UK and their terms and conditions are very unfair - also the fact that they demand a product to be returned to an address within the UK which was NOT the originating address would be questioned.

 

I wonder what they do with the returned products, I suspect they re-package them.

 

Your best bet would be to contact Trading Standards and offer them the contents for testing - then leave them to do their work.

[KEVPERSON]

www.stemologica.com/terms.php

Terms and Conditions

If only they gave a link to this before signing up....