Charged too much for transaction, someone please help
Discussion
Hopefully some kind person can give me a bit of advice.
I was in a bar in Spain on Saturday night/Sunday morning and paid for a round on my credit card. I was told £60, happy to pay it so handed my card over. Bar tender put the card in the machine and I put the PIN number in, all good.
About 5 minutes later, we bought another round and I decided to pay that too, again £60 and handed over my card. Again bar tender handed me to put the PIN in but it was rejected. Tried again, rejected so it was paid by cash.
Sunday morning I woke to get a text from the credit card company that the fraud department had stopped a transaction for £520 on my account and asked to call to discuss it.
I called them and said thanks very much for stopping that transaction, it wasn't me. They said no problem, did you by any chance authorise a payment for £1000 last night? Again I said no don't be ridiculous has this went through and it has.
What has happened is the club have ripped me off big style and without me noticing, typed in £1000 for the first transaction and £500 for the second. Unfortunately the cards fraud system only picked up the second one.
The credit card company have put a query on the transactions, cancelled my card and sent me out a new one with new PIN.
Question is, is their a chance I'm going to be liable for this payment since I put the PIN number in willingly despite the fact the price was meant to be significantly less than what was charged?
I was in a bar in Spain on Saturday night/Sunday morning and paid for a round on my credit card. I was told £60, happy to pay it so handed my card over. Bar tender put the card in the machine and I put the PIN number in, all good.
About 5 minutes later, we bought another round and I decided to pay that too, again £60 and handed over my card. Again bar tender handed me to put the PIN in but it was rejected. Tried again, rejected so it was paid by cash.
Sunday morning I woke to get a text from the credit card company that the fraud department had stopped a transaction for £520 on my account and asked to call to discuss it.
I called them and said thanks very much for stopping that transaction, it wasn't me. They said no problem, did you by any chance authorise a payment for £1000 last night? Again I said no don't be ridiculous has this went through and it has.
What has happened is the club have ripped me off big style and without me noticing, typed in £1000 for the first transaction and £500 for the second. Unfortunately the cards fraud system only picked up the second one.
The credit card company have put a query on the transactions, cancelled my card and sent me out a new one with new PIN.
Question is, is their a chance I'm going to be liable for this payment since I put the PIN number in willingly despite the fact the price was meant to be significantly less than what was charged?
Robertj21a said:
If it's your card, and your PIN, entered by you ...........then I can't help but think you'd struggle with this one even in the UK, let alone abroad.
When they spoke to me on the phone, they said it was an investigation and needed 30 days. From reading up online, reasons why companies won't refund would be for telling someone my PIN and giving them the card or writing the PIN down on something so it can be used then, ie gross negligence.This is stupidity on my part rather than gross negligence or is that just my opinion?
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