She feels cheated. – I think I have lost at least NOK 1,000 on two gift cards, says Tanja Vedal to news. The gift card she is talking about is distributed by Paygoo. A card that can be bought at several shops around the country. Among other things, Vedal discovered that the amount registered on the card was smaller even though it had only been in the drawer. Reason: After seven months, you pay NOK 16 per month in fees. Paygoo has these fees: It costs NOK 39 to buy a gift card. After 7 months, you pay NOK 16 per month in fees. After 12 months, you pay NOK 50 per month just for the card to be in use. If you want to withdraw the money, you have to pay NOK 150. It costs NOK 6 to find out how much is on the card. If you lose the card, it costs NOK 195 to get a replacement card. In addition, there is a limit on the card value of NOK 1,500. Transaction fee (applies after two transactions) NOK 3.50. – It is almost better to give cash than to give a gift card, she says. She thinks the Paygoo gift cards are a scam. – If that money had been in the account, it will increase due to interest. But now they run away with the money, plus they get the interest on the money. – I think it is stupid that that money should be lost. When I give someone NOK 500, it should not be lost just because they run away with the fee. The consumer must be made aware – It is the company that sells the gift card that sets the conditions, says senior legal adviser at the Consumer Council, Nora E. Wennberg Gløersen. For the conditions to apply, however, it is required that the consumer is made aware of the conditions when the gift card was purchased, she adds. Nora Wennberg Gløersen of the Consumer Council warns against choosing gift cards over a monetary amount. Photo: The Consumer Council – The conditions should be on the gift card itself, or on an accompanying document, so that the recipient of the gift card also understands the terms of use. – Then there will be no question of fraud. Many people may think that a gift card is a more personal gift than giving money. It is still a good idea to think before giving a gift card, the legal adviser believes. – It is often more troublesome for the recipient to use a gift card than an amount of money. – One tip is that you should always check the validity. Some gift cards are only valid for one year. Without a specified expiry date, the card is valid for three years, says Nora Wennberg Gløersen of the Consumer Council. Photo: The Consumer Council The Consumer Council would like to encourage consumers to examine the terms and conditions thoroughly before purchasing, so that you avoid buying gift cards where the money the recipient receives is lost to fees and the like. – In any case, it may be a good idea to use the gift card as soon as possible, before it is lost or forgotten. A personal preference For its part, Paygoo believes it is groundless to accuse them of deceiving customers. – We believe that we have informed about fees for purchases, both on the outside of the package and on an attachment that is stuck to the card inside, says Harald Horsberg, commercial director of Mbxp APS, which is behind Paygoo. According to Horsberg, the fees are set to cover all costs behind the operation of the card. The costs must cover general operation of the company behind, production of cards, fees to Mastercard for creating an account for each individual card, fees for loading the cards, fees when the cards are used and costs for stores to sell the cards, the gift card distributor states. Photo: Lars-Petter Kalkenberg / news – There is no discount for money, so all costs must be covered by the consumer for the product to exist, he says and adds: – If the fees are too high then it becomes a personal preference in relation to that needs you want to cover. According to Horsberg, most customers use the card during the first few months, and with very few transactions that result in no or few fees. – We have many satisfied customers who have found a product that helps them in their everyday life in one way or another. ALSO READ:
ttn-69
Feels cheated by the gift card from Paygoo – news Nordland
