Reply To: BA Avios eStore – A scam? Every transaction declined!

[Points Hound]

Aston100 wrote:

For balance, let me say that on one notable occasion it took me about two years to get cashback from TCB.
Had to send them a letter before action and threaten with legal shenanigans.
I was due over £300 cashback for a £3k+ purchase that carried about 10% cashback.
After an initial decline, they paid me about £120 after the first appeal (with no explanation of how they came to that amount, or why they’d initially declined any payment) and then went silent for the following 18 months, ignoring all contact attempts.
They eventually paid the balance as a ‘goodwill gesture’ after the legal threats.

Otherwise, on the whole TCB are fine though.

Out of interest, what was the basis of your proposed ‘Action’ / legal basis given that “for the avoidance of doubt and notwithstanding any other provision contained in their terms and conditions, you agreed and acknowledged that in all circumstances the payment of Cashback to you is at their discretion and they may refuse to pay Cashback to you for any reason” prior to using their service?