I ordered a brand new £999 Apple iPhone 14 Plus from Amazon but when the package arrived it contained two candles and no sign of the mobile

I ordered a brand new £999 Apple iPhone 14 Plus from Amazon but when the package arrived it contained two candles and no sign of the mobile. 

I was bemused at first, but now I’m fuming as Amazon is refusing to refund me for the device.

A.B., Sussex.

Another ball of wax: A reader was left bemused when Amazon sent him two candles instead of the £999 iPhone 14+ he had ordered

Another ball of wax: A reader was left bemused when Amazon sent him two candles instead of the £999 iPhone 14+ he had ordered

Sally Hamilton replies: Your story had me reminiscing about the vintage Two Ronnies ‘four candles’ TV sketch where hardware shop owner Ronnie Corbett thinks customer Ronnie Barker wants to purchase four candles when what he actually wants are ‘fork ‘andles — ‘andles for forks’.

The misunderstanding makes for brilliant comedy.But to order a £999 phone from Amazon and receive two candles instead — and have the firm wash its hands of your case — well, I can see why that got on your wick.

You explained that, as well as the phone, you had ordered a laptop from Amazon, with the two parcels delivered at the same time.

You provided the security code to the delivery driver that Amazon had emailed previously.The same code applied to both items. Such codes are required for high-value purchases to prove packages have been safely received by the right person.

When you opened the first package, all was fine: the laptop was as expected. The second, which should have been the phone, contained candles.

To put me in the picture fully, you told me your husband had in fact ordered candles separately from Amazon, as a gift for you but sent to him.He suggested this must have caused the mix-up.

But you were concerned because his Amazon account is different from yours and the offending candle package had your name and business details on the address label. And, in any case, where was the iPhone?

You contacted Amazon, which replied that it had delivered parcels of the correct weight and told you to file a police report.You tried, but the police weren’t interested, stating that it was a civil matter and you should speak to Amazon.

You phoned Amazon to try to resolve the impasse, but it told you to contact its customer services online. You got nowhere.

You reached a similar dead end with its social media and on Trustpilot, the customer reviews website, where you hoped it might pick up on your complaint.

Having hit a brick wall, you contacted me.If you liked this article and you would like to get more info relating to EVdEN EvE NAkLiyat i implore you to visit the page. You told me you are a clinical psychologist and have a strong view on how Amazon’s lack of a positive response made you feel disempowered as a consumer. Sadly, such treatment of customers by businesses is widespread.

Another reader, J. B.from Leicestershire, contacted me with a similar tale of intercepted Amazon parcels and the subsequent poor response by its customer services. The £459 Samsung tablet he ordered via the firm before Christmas was replaced by cake decorations.

As with your case, EVdEn EVe NaKliYAt the correct passcode had been given on delivery.But the label on the package was wrinkled, as if it had been taken off another parcel.

When J. B. called Amazon to report this, an agent said he would be refunded upon returning the package. On the understanding that the original payment would soon be reimbursed, he ordered another tablet for a further £459.

Sadly, this was premature, as Amazon then refused to refund him.He appealed several times, in vain. An email escalating his concerns to Amazon’s complaints department was ignored. So, like you, he came to me.

When people buy something online, the retailer is responsible for its safe delivery, evDen EVE NakLiyaT according to the Consumer Rights Act 2015.I felt both you and J. B. should be reimbursed.

I took both cases to Amazon, which agreed to investigate. Within a few days, it came back with some excellent news.

Although there was no explanation about what had gone wrong in either case, nor EvDEn eVE naKliyAT why the refunds had been refused, a spokesman says: ‘We’ve contacted the customers directly, apologised and processed a full refund.’

Anyone in the same boat, or who receives damaged goods, should always contact the retailer immediately.

It also helps to collect evidence, evdeN eve NaKLiYAT including photographs of the packages that have been damaged or tampered with, and of whatever was substituted for a genuine order.If signing for a delivery that can’t be opened in front of the courier, add the words ‘not inspected’, which could help if issues emerge on opening.

Opting for a delivery to be made to a ‘safe place’ or a neighbour can make problems harder to resolve later.Consider requesting signed-for delivery only, particularly for high-value items. If the retailer won’t play ball, try to request reimbursement via a claim under Section 75 of the Consumer Credit Act, if the purchase was by credit card and the item cost between £100 and £30,000.

The card provider is jointly liable with the retailer if something goes wrong with a purchase.

If a debit card was used, consider raising a chargeback dispute — an informal arrangement offered by banks for customers who do not get the goods or services they have paid for.

<div class="art-ins mol-factbox money" data-version="2" id="mol-ad900ae0-d60d-11ec-86b6-7b516cedb40f" website SORTS IT: I ordered an iPhone from Amazon but it sent me candles

Housing storm leaves UK exposed, skews policy: Mike Dolan

By Mike Dolan

LONDON, Nov 16 (Reuters) – If financial markets bore the brunt of this year’s interest rate shock, EVdeN eVe NaKliYaT housing now stands in the firing line.

And a residential real estate quake would hurt many economies far more, amplifying the bond market ructions of the past 12 months if inflation can’t be contained quickly enough to allow central banks to stop tightening in 2023.

Overall housing activity – construction, sales and the related demand for goods and services that goes with housing churn – contributes an estimated 16-18% of gross domestic product annually in the United States and Britain. That’s well over $4 trillion for the former and half a trillion in the UK.

With long-term U. If you want to see more info on EvDEN EVE nakliyat look into our site. S.fixed mortgage rates above 7% for the first time in 20 years, and more than double January rates, U.S. housing sales and starts are already feeling the heat.

And eVDEN eve nAKLiYAT as property has ridden the bond bull market of low inflation and interest rates for much those intervening decades – the sub-prime mortgage crash of 2007-2008 apart – any risk of a paradigm shift in that whole picture is a mega concern.

Twenty years ago, after the dot.com bust and EvDeN EVe naKliYaT stock market crash led to a puzzlingly mild global recession, The Economist magazine fronted with a piece entitled “The houses that saved the world” – concluding lower mortgage rates, refinancing and home equity withdrawal had offset the hit to corporate demand.

But it’s much less likely to come to the rescue after this year’s stock market swoon, if only because interest rates are heading even higher into 2023 and many now fret about potential distress and delinquency in the sector next year.

Some 10% of global fund managers polled by Bank of America this month think real estate in developed economies is the most likely source of another systemic credit event going forward.

And EvdEn evE NAkLiYAt Britain, which even the Bank of England assumes has already entered recession, is particularly vulnerable.

UK homeowners outsize exposure to floating rate mortgages and greater vulnerability to rising unemployment leaves the British market a potential outlier amid the twin hits of rising Bank of England rates and this week’s expected fiscal squeeze.

Indeed, many feel the extent of finance minister Jeremy Hunt’s dramatic fiscal U-turn away from September’s botched giveaway budget is precisely to avoid the sort of brutal BoE rate hit to the housing market that had threatened initially.

British think-tank the National Institute of Economic and Social Research reckons some 2.5 million UK households on variable rate mortgages – about 10% of the total – would be hit hard by further BoE rate rises next year, pushing mortgage costs for about 30,000 beyond monthly incomes if rates hit 5%.

That partly explains why even though money markets still see BoE rates peaking as high as 4.5%, from 3% at present, high-street clearing banks Barclays and HSBC forecast the central bank’s terminal rate as low as 3.5% and 3.75% respectively.

NO HOUSING SAVIOUR

Goldman Sachs chief economist Jan Hatzius and team feel the threat of a major credit event in developed housing markets may be overstated – as many mortgage holders are still on low, long-term fixed deals and there are substantial home equity buffers.

But they said Britain stands out nonetheless.

“We see a relatively greater risk of a meaningful rise in mortgage delinquency rates in the UK,” Goldman said this month.”This reflects the shorter duration of UK mortgages, our more negative economic outlook, and the greater sensitivity of default rates to downturns.”

While Australia and New Zealand have higher variable mortgage rates, British mortgage holders also have a higher vulnerability to rising joblessness.

Goldman estimates that a one percentage point rise in unemployment tends to boost mortgage delinquency rates by more than 20 basis points after one year in Britain – twice as much as the 10bp impact from a similar scenario in the United States.

All of which bodes ill for UK house prices – although forecasts are still far from apocalyptic.

UK estate agent Knight Frank expects nationwide house prices to drop 5% next year and again in 2024, a cumulative decline of almost 10% but one that only takes average prices back to where they were in the middle of 2021.Further out they see stagnation persisting – with just a 1.5% cumulative gain in the five years to 2026 and London prices basically flat over all that period.

NIESR economist Urvish Patel concurred with the thrust of that – expecting lower house prices over the next couple of years but adding “fears of a house price and housing market collapse because of higher mortgage rates are unlikely to be proved correct”.

Offsetting factors are that a majority will be on fixed rates, supply remains tight and stamp duty taxes are due to be cut again, he said.

But he did point to Bank of England research from 2019 that studied more than 30 years of data and showed that a 1% sustained increase in index-linked UK government bond yields could ultimately result in a fall in real house prices of just under 20%.

Ominously perhaps, 10- and 30-year index-linked gilt yields were at the epicentre of the September budget shock.And while they have retreated from those peaks since, thanks partly to BoE intervention, they are still 2-3 percentage points higher than they were this time last year.

– The opinions expressed here are those of the author, a columnist for Reuters.

(Reporting by Mike Dolan; Editing by Alex Richardson)