Financial advice, company taking gf's money without consent.
Financial advice, company taking gf's money without consent.
Author
Discussion

Nic Jones

Original Poster:

7,190 posts

251 months

Friday 22nd August 2008
quotequote all
My Gf checked one of her current accounts last night and discovered that a credit check company had relieved her of £6.99 a few days ago without her knowledge/consent/even having used that website!

Unfortunately she was also close to her o/d limit and it has tipped her over the edge meaning that the bank have also charged her £25 for the privilege. furious

What can she do? I've told her to phone the bank and explain/ask what has happened, to try and get the money back, but what can she do about the company who charged her the money? She hasn't ever had any dealings with them, so how can she stop it happening again?

Confused of Tunbridge Wells.

frown


GreenDog

2,261 posts

223 months

Friday 22nd August 2008
quotequote all
Same thing just happened to my OH.
They took about £15 out of her account which tipped her over the limit and Barclays charged £30 for the privilege. A few phone calls to the company have resulted in the £15 being returned eventually but they've not coughed the £30 yet. We had to provide copies of the letter from Barclays about the £30 fee and also the bank statement showing that their £15 withdrawl caused it etc.

Nic Jones

Original Poster:

7,190 posts

251 months

Friday 22nd August 2008
quotequote all
FFS seems like a lot of aggro to sort out a problem which is not your fault. frown


Swilly

9,699 posts

305 months

Friday 22nd August 2008
quotequote all
Ummmmm tell the bank you do not recognise the transaction, have not authorised it etc etc.

They will investigate, speask to the vendor etc

The bank has allowed the transaction on your account and assuming all is kosher on your part you have no issue.

The vendor will not pay you the bank charge. The bank will pay this back when prompted and if all is kosher on your part.

siscar

6,887 posts

248 months

Friday 22nd August 2008
quotequote all
Yes, usually better to deal with the bank rather than the person who took the money

DIW35

4,205 posts

231 months

Friday 22nd August 2008
quotequote all
The bank is at fault for allowing an unauthorised payment to be made from the account. Your dealings should be with them. It's up to them to then try and get the money back from the company that took it, or write it off if they deem it not worthwhile chasing.

Adrian W

15,613 posts

259 months

Friday 22nd August 2008
quotequote all
err how did they get her bank details, this must mean that she autherised something?

Emmapuma

513 posts

230 months

Friday 22nd August 2008
quotequote all
Adrian W said:
err how did they get her bank details, this must mean that she autherised something?
thats what i was thinking?

Nic Jones

Original Poster:

7,190 posts

251 months

Friday 22nd August 2008
quotequote all
That's the confusing bit, and slightly unnerving bit as well. She swears blind that she has never given them her bank details, or even herard of them, plus there is no email receipt or any correspondance from the company in question.

Adrian W

15,613 posts

259 months

Friday 22nd August 2008
quotequote all
Nic Jones said:
That's the confusing bit, and slightly unnerving bit as well. She swears blind that she has never given them her bank details, or even herard of them, plus there is no email receipt or any correspondance from the company in question.
If your 100% absilutly convinced that she is correct id call the police

Deva Link

26,934 posts

276 months

Friday 22nd August 2008
quotequote all
Nic Jones said:
That's the confusing bit, and slightly unnerving bit as well. She swears blind that she has never given them her bank details, or even herard of them, plus there is no email receipt or any correspondance from the company in question.
Wild guess - has she applied for credit somewhere, and signed a form (or agreed something online) without reading all the T's & C's (who does?)?

Nic Jones

Original Poster:

7,190 posts

251 months

Friday 22nd August 2008
quotequote all
Deva Link said:
Nic Jones said:
That's the confusing bit, and slightly unnerving bit as well. She swears blind that she has never given them her bank details, or even herard of them, plus there is no email receipt or any correspondance from the company in question.
Wild guess - has she applied for credit somewhere, and signed a form (or agreed something online) without reading all the T's & C's (who does?)?
Bingo, having just looked up the company it says after a 30 day free trial you get charged. I didn't even realise she'd signed up for it and I guess she didn't read the T&C's properly.

Oh well, you live and learn!

Heskey

4,048 posts

224 months

Friday 22nd August 2008
quotequote all
Hopefully learning to read, or learning common sense is top priority!

To get her details, she must have given them when she signed up; why does she need to give her details for a trial? Because they automatically start billing you when the trial runs out!

You said she "swears blank she's never heard of them" yet signed up for a trial?

confused

Buffalo

5,487 posts

285 months

Friday 22nd August 2008
quotequote all
Heskey said:
Hopefully learning to read, or learning common sense is top priority!

To get her details, she must have given them when she signed up; why does she need to give her details for a trial? Because they automatically start billing you when the trial runs out!

You said she "swears blank she's never heard of them" yet signed up for a trial?

confused
Standard woman behaviour IME... rolleyes

Heskey

4,048 posts

224 months

Friday 22nd August 2008
quotequote all
Buffalo said:
Heskey said:
Hopefully learning to read, or learning common sense is top priority!

To get her details, she must have given them when she signed up; why does she need to give her details for a trial? Because they automatically start billing you when the trial runs out!

You said she "swears blank she's never heard of them" yet signed up for a trial?

confused
Standard woman behaviour IME... rolleyes
She isn't over 50 and showing other signs of forgetfulness is she? scratchchin

Nic Jones

Original Poster:

7,190 posts

251 months

Friday 22nd August 2008
quotequote all
Heskey said:
Buffalo said:
Heskey said:
Hopefully learning to read, or learning common sense is top priority!

To get her details, she must have given them when she signed up; why does she need to give her details for a trial? Because they automatically start billing you when the trial runs out!

You said she "swears blank she's never heard of them" yet signed up for a trial?

confused
Standard woman behaviour IME... rolleyes
She isn't over 50 and showing other signs of forgetfulness is she? scratchchin
No, in her 20's. Probably forgotten in a similar fashion to the way the shoe purchases usually are scratchchin