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?
m3coupe said:
Hoofy said:
I'm having a deja vu moment. When do we start a collection for Aerocoupe?
Something I've missed?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?
In technical terms your remedy is against the bar for fraud - although you would have to demonstrate you did not have genuine bills for those amounts - which is difficult.
In practical terms you are completely in the hands of the credit card company and what they are willing to do. I doubt they will be enthusiastic to swallow the loss themselves given the circumstances. Hopefully they will come up with some sort of "charge back" to dig you out of the hole. If so, it's highly likely you will be asked to sign bits of paper promising that the transactions were fraudulent.
In practical terms you are completely in the hands of the credit card company and what they are willing to do. I doubt they will be enthusiastic to swallow the loss themselves given the circumstances. Hopefully they will come up with some sort of "charge back" to dig you out of the hole. If so, it's highly likely you will be asked to sign bits of paper promising that the transactions were fraudulent.
m3coupe said:
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?
Sorry, but I would think most people would consider not checking the amount you're paying over to be 'Gross Negligence'This is stupidity on my part rather than gross negligence or is that just my opinion?
Robertj21a said:
Sorry, but I would think most people would consider not checking the amount you're paying over to be 'Gross Negligence'
Not at all. If it is a clear attempt to defraud, such as being charged £1000 for a £60 round of drinks, then it would be a minor contributory factor at worst.At the end of the day, the consumer is the end customer for credit card companies. In this situation, they are very likely to issue a chargeback to the bar and leave it up to them if they want to challenge it.
Gassing Station | Finance | Top of Page | What's New | My Stuff