Hi everyone,

I'm based in Finland and recently had a frustrating experience with VEVOR and Klarna.

I ordered an commercial ice cream machine for my small business and a vacuum sealer using Klarna's 24-month financing.

Here's what happened:

• VEVOR accepted my order.
• A shipment was created.
• The ice cream machine was never delivered.
• At one point, the carrier even marked it as "delivered", although I received nothing ???????
• I reported it as goods not received and waited while the case was investigated.
• Several weeks later, VEVOR refunded the ice cream machine and shipping fee.

During those weeks, my Klarna financing remained active, so €7.21 in interest accrued before the refund was processed.

Klarna explained that, under the financing agreement, the interest was calculated correctly because it accrued before the refund reached them. They have agreed to submit my case for a manual waiver review.

VEVOR, however, says they are only responsible for refunding the purchase price and will not reimburse the interest because it resulted from my chosen payment method.

I understand Klarna's explanation, but I struggle with VEVOR's position.

If VEVOR had delivered the machine as agreed or simply cancelled the unavailable item and refunded it immediately, there would have been no financing interest at all. The additional cost only arose because the order remained unresolved for weeks after VEVOR failed to fulfill it.

As a small business owner myself, I don't believe customers should be expected to absorb costs that arise directly from a business's own operational or logistics failures. If my mistake causes a customer a financial loss, I believe it's my responsibility to make them whole, not just apologize.

I'm not asking whether Klarna calculated the interest correctly. My question is about accountability.

When a seller fails to deliver a product and that delay directly causes an additional financial cost for the customer, who should ultimately bear that cost?

Has anyone in Finland experienced something similar with Klarna or another financing provider? How was it resolved?

EDIT:

1. Many comments are focusing on the €7.21, but the amount isn't the point. Whether it was €0.70, €7.21, or €70, my question would be exactly the same.
2. I've also removed the purchase price because it was distracting from the actual discussion.

This isn't really about Klarna's interest calculationI understand how the financing works.

It's about whether a business should be able to apologize for failing to deliver an order while leaving the customer to absorb the financial consequences of that failure.

To me, an apology should come with accountability.

I'm curious whether anyone has experienced something similar with Klarna.

I financed a VEVOR order over 24 months:

• Ice cream machine: €849.90
• Vacuum sealer: €33.90

The ice cream machine was never delivered. The shipment remained active for weeks, I had to report it as "goods not received," and VEVOR eventually refunded the machine and shipping.

Klarna removed the refunded amount from my loan, but €7.21 in interest had already accrued before the refund was processed, so I'm still expected to pay it.

Klarna explained that the interest is technically correct because it accrued before they received the refund, although they're reviewing whether it can be waived as a goodwill gesture.

VEVOR, on the other hand, says they're only responsible for refunding the purchase price and won't reimburse the interest because it's related to my payment method.

I'm not arguing about how Klarna calculates interest. My question is whether it's fair that the customer ends up paying financing costs that only arose because the merchant failed to deliver the goods and the refund took weeks.

Has anyone dealt with a similar situation? Did Klarna waive the interest, or did the merchant reimburse you?

I wanted to share my experience in case anyone is considering buying expensive equipment from VEVOR using financing.

I ordered:

• an ice cream machine (€849.90)
• a vacuum sealer (€33.90)

Total order: €913.80, financed through Klarna.

Here's what happened:

• VEVOR accepted my order.
• A shipment was created.
• The ice cream machine never arrived.
• The carrier eventually marked the shipment as "delivered" even though I received nothing.
• I had to open a "goods not received" case and wait while everything was investigated.
• Weeks later, VEVOR refunded the ice cream machine.

The problem is that during those weeks, my Klarna financing remained active and interest continued to accrue.

After the refund, Klarna removed the principal for the undelivered machine, but the interest that had already accrued remained payable.

I contacted both companies.

Klarna explained that interest accrued before the refund remains payable under the financing agreement, although they offered to submit my case for a manual waiver review.

VEVOR's response was that they are only responsible for refunding the purchase price and will not reimburse the financing interest because it was related to my chosen payment method.

From my perspective, the financing interest only existed because VEVOR did not fulfill the order promptly. If the item had been delivered, or if the unavailable item had been cancelled and refunded immediately, there would have been no additional financing cost.

The amount is only €7.21, so this isn't about the money anymore.

It's about accountability.

I'm curious:

• Has anyone experienced something similar with VEVOR?
• If a merchant fails to deliver a product and only refunds weeks later, do you think the customer should bear the financing interest that accrued during that period?
• If you've dealt with Klarna in a similar situation, how was it resolved?

Hopefully this helps someone before making a large financed purchase.

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