Questions of Cash: Gig tickets signed, sealed but never delivered


Q. In June last year, I bought two tickets for a Stevie Wonder concert at the O2 arena from a website, tickets4venues.com, paying £233 with a Lloyds Visa card. In August, I received an email from tickets4venues.com saying they were unable to fulfill the order. I am still waiting for a refund. I have sent six emails to the website chasing the refund, but without success. Lloyds has said it cannot refund me because I paid by debit card. EJ, London.

A. We also emailed tickets4venues.com several times, without response. We phoned its number, which rings on to an automated system. Whichever option is picked responds that no operatives are available telling callers to phone its 24-hour line, which charges £1.50 a minute to receive calls. When we phoned that number, the operator promised to pass on the message to phone us, but nothing happened. The phone line used by tickets4venues.com has previously been used by other agencies selling music and sports tickets, including Mayfair Global Events, summerfestivaltickets.com and europeanchampionshiptickets.com. These agencies have been strongly criticised in the press for charging very high prices to resell tickets. Mayfair Global Events claims to operate internationally and its website refers people to a Gibraltar phone number. When we called this number, the person answering said he had "never heard of" tickets4venues.com, adding that "this is just a number I was given a couple of months ago" and that "I am just a consultant in London". He then put down the phone on us. When we emailed Mayfair Global Events, it also denied having any connection with tickets4venues.com.

Mayfair Global Events appears to be a trading name of a company called Durban Vienna Ltd, which is registered at the offices of an accountancy firm in Harrow – they did not return our call seeking further information. According to Companies House records, the last two years' accounts of Durban Vienna are overdue and there is a proposal to strike it off. The Office of Fair Trading declined to comment on rumours that the businesses are being investigated. It did, however, warn consumers about buying tickets from secondary agents and cautioned about believing that an agent may be a trustworthy business just because it has a professional-looking website.

The OFT suggests that people buying tickets costing over £100 should consider using a credit card, making the card issuer jointly liable for the transaction should things go wrong. You paid with a Visa debit card. Although this falls outside the arrangements of joint liability for a transaction, Visa provides a guarantee on transactions for breach of contract, or where goods are not provided. This is available for 60 days after the transaction under the Visa rules, which is extended by Lloyds to 120 days. As you contacted Lloyds within that 120-day period it has – after several weeks of communications with us – agreed to credit you with the £233.

Q. I completed a BSc in 2005, qualifying as a speech therapist. I am now doing an MSc in audiology at Manchester as part of my career progression. The course structure means I am studying for one year, followed by a period of paid clinical training from September. I need financial help to complete the course. I wanted a loan while I am studying, with a holiday period until I have a salary. It seemed that NatWest's Professional Trainee Loan met my needs. It is available to qualifying professionals. But audiologist was not included as a qualifying profession, though physiotherapist and podiatrist were, with a similar course structure. A colleague on the same course as me obtained the same loan from her local NatWest branch. But my university branch told me I was not eligible for the loan. I feel frustrated. I have been a NatWest customer for over 20 years, but found the staff unhelpful. LM, Manchester.

A. NatWest's Professional Trainee Loan scheme is available to students on long-term courses that lead to specifically defined professional qualifications – these include doctor of medicine, vet, barrister and solicitor, but not audiologist. The bank is unable, for data protection reasons, to disclose why it has apparently approved a loan to a colleague of yours. The bank has now offered you a different loan product, which you are happy with. It has also agreed to review the criteria for the Professional Trainee Loan to consider whether audiologist is also a suitable professional qualification for this loan.

Q. My daughter is starting her own business, but this is proving slow. She has an account with HSBC, which knows what she is doing. Her account has gone overdrawn a couple of times and the bank has hit her with what I feel are absolutely exorbitant fines – one of £75 and the other of £125. She raised this with the bank, but the attitude is one of no negotiation. PW, Carlisle.

A. We can confirm that HSBC is not willing to negotiate. The bank says the charges were correctly applied and HSBC is "not tending to make any refunds on overdraft charges" until the legal challenge to overdraft charges has been fully resolved. We are unable to help. Your daughter's case is yet another warning of the pain caused by inadvertently going overdrawn, even if only for a short time.

Q. I obtained a Motorola phone through the Carphone Warehouse. When it went wrong, I took it back to the store with the warranty. I was told it would take 21 working days to fix. I have since returned six times to the store, without the phone being repaired. Eventually, I was told it was uneconomic to fix it. I am now having to use another phone, which I had to pay Carphone Warehouse £50 as a deposit, with only the most basic service. For seven months I have been unable to use the services, such as video calling, for which I paid Orange £175. EB, London.

A.The Carphone Warehouse has now agreed to pay you £100 in compensation.

Questions of Cash cannot give individual advice. But if you have a financial dilemma, we'll do our best to help. Please email us at: questionsofcash@independent.co.uk

News
A 1930 image of the Karl Albrecht Spiritousen and Lebensmittel shop, Essen. The shop was opened by Karl and Theo Albrecht’s mother; the brothers later founded Aldi
people
Arts and Entertainment
Standing the test of time: Michael J Fox and Christopher Lloyd in 'Back to the Future'
filmA cult movie event aims to immerse audiences of 80,000 in ‘Back to the Future’. But has it lost its magic?
Arts and Entertainment
Flora Spencer-Longhurst as Lavinia, William Houston as Titus Andronicus and Dyfan Dwyfor as Lucius
theatreThe Shakespeare play that proved too much for more than 100 people
News
exclusivePunk icon Viv Albertine on Sid Vicious, complacent white men, and why free love led to rape
PROMOTED VIDEO
Arts and Entertainment
Stir crazy: Noel Fielding in 'Luxury Comedy 2: Tales from Painted Hawaii'
comedyAs ‘Luxury Comedy’ returns, Noel Fielding on why mainstream success scares him and what the future holds for 'The Boosh'
Life and Style
Flow chart: Karl Landsteiner discovered blood types in 1900, yet scientists have still not come up with an explanation for their existence
lifeAll of us have one. Yet even now, it’s a matter of debate what they’re for
Arts and Entertainment
'Weird Al' Yankovic, or Alfred Matthew, at the 2014 Los Angeles Film Festival Screening of
musicHis latest video is an ode to good grammar. But what do our experts think he’s missed out?
Sport
New Real Madrid signing James Rodríguez with club president Florentino Perez
sportColombian World Cup star completes £63m move to Spain
Travel
Hotel Tour d’Auvergne in Paris launches pay-what-you-want
travelIt seems fraught with financial risk, but the policy has its benefits
Arts and Entertainment
booksThe best children's books for this summer
Life and Style
News to me: family events were recorded in the personal columns
techFamily events used to be marked in the personal columns. But now Facebook has usurped that
Finacial products from our partners
Property search
Latest stories from i100
Have you tried new the Independent Digital Edition apps?
Independent Dating
and  

By clicking 'Search' you
are agreeing to our
Terms of Use.

ES Rentals

    iJobs Job Widget
    iJobs Money & Business

    Programme Director - Conduct Risk - London

    £850 - £950 per day: Orgtel: Programme Director - Conduct Risk - Banking - £85...

    Business Analyst (Agile, SDLC, software)

    £45000 - £50000 Per Annum + excellent benefits: Clearwater People Solutions Lt...

    Finance Manager - Bank - Leeds - £300/day

    £250 - £300 per day + competitive: Orgtel: Finance Manager - Accountant - Bank...

    Compliance Officer - CF10, CF11, Compliance Oversight, AML, FX

    £100000 - £120000 per annum + BONUS + BENEFITS: Harrington Starr: A leading fi...

    Day In a Page

    Noel Fielding's 'Luxury Comedy': A land of the outright bizarre

    Noel Fielding's 'Luxury Comedy'

    A land of the outright bizarre
    What are the worst 'Word Crimes'?

    What are the worst 'Word Crimes'?

    ‘Weird Al’ Yankovic's latest video is an ode to good grammar. But what do The Independent’s experts think he’s missed out?
    Can Secret Cinema sell 80,000 'Back to the Future' tickets?

    The worst kept secret in cinema

    A cult movie event aims to immerse audiences of 80,000 in ‘Back to the Future’. But has it lost its magic?
    Facebook: The new hatched, matched and dispatched

    The new hatched, matched and dispatched

    Family events used to be marked in the personal columns. But now Facebook has usurped the ‘Births, Deaths and Marriages’ announcements
    Why do we have blood types?

    Are you my type?

    All of us have one but probably never wondered why. Yet even now, a century after blood types were discovered, it’s a matter of debate what they’re for
    Honesty box hotels: You decide how much you pay

    Honesty box hotels

    Five hotels in Paris now allow guests to pay only what they think their stay was worth. It seems fraught with financial risk, but the honesty policy has its benefit
    Commonwealth Games 2014: Why weight of pressure rests easy on Michael Jamieson’s shoulders

    Michael Jamieson: Why weight of pressure rests easy on his shoulders

    The Scottish swimmer is ready for ‘the biggest race of my life’ at the Commonwealth Games
    Some are reformed drug addicts. Some are single mums. All are on benefits. But now these so-called 'scroungers’ are fighting back

    The 'scroungers’ fight back

    The welfare claimants battling to alter stereotypes
    Amazing video shows Nasa 'flame extinguishment experiment' in action

    Fireballs in space

    Amazing video shows Nasa's 'flame extinguishment experiment' in action
    A Bible for billionaires

    A Bible for billionaires

    Find out why America's richest men are reading John Brookes
    Paranoid parenting is on the rise - and our children are suffering because of it

    Paranoid parenting is on the rise

    And our children are suffering because of it
    For sale: Island where the Magna Carta was sealed

    Magna Carta Island goes on sale

    Yours for a cool £4m
    Phone hacking scandal special report: The slide into crime at the 'News of the World'

    The hacker's tale: the slide into crime at the 'News of the World'

    Glenn Mulcaire was jailed for six months for intercepting phone messages. James Hanning tells his story in a new book. This is an extract
    We flinch, but there are degrees of paedophilia

    We flinch, but there are degrees of paedophilia

    Child abusers are not all the same, yet the idea of treating them differently in relation to the severity of their crimes has somehow become controversial
    The truth about conspiracy theories is that some require considering

    The truth about conspiracy theories is that some require considering

    For instance, did Isis kill the Israeli teenagers to trigger a war, asks Patrick Cockburn