Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@. Skimlinks & other affiliated links are turned on

Search
  • FIRST POST
    • Eric Bridge
    • By Eric Bridge 15th Mar 17, 2:33 PM
    • 1Posts
    • 0Thanks
    Eric Bridge
    Co op Visa debit card charged twice
    • #1
    • 15th Mar 17, 2:33 PM
    Co op Visa debit card charged twice 15th Mar 17 at 2:33 PM
    Just doing some accounts and noticed about 6 months ago that i have numerous occasions where my visa debit was charged twice. All in about £500 overcharged!

    The bank CO OP say that i can only dispute these charges within 120 Days which seems unfair. They suggest getting the refunds repaid directly from the retailers. It seems to me that this is a failing by Visa rather than the retailers as it was on about 5 separate occasions.

    Any advice gratefully received.
Page 1
    • agrinnall
    • By agrinnall 15th Mar 17, 4:25 PM
    • 18,515 Posts
    • 14,230 Thanks
    agrinnall
    • #2
    • 15th Mar 17, 4:25 PM
    • #2
    • 15th Mar 17, 4:25 PM
    Rules is rules, as they say! I think you'll have to do as advised and approach the retailers for a refund. If it was down to a system issue with the Co-op (it's unlikely to have anything to do with Visa as they aren't really involved in the processing of debit card transactions within the UK) I would have expected it to have received publicity and the duplicates automatically reversed.
    • jonesMUFCforever
    • By jonesMUFCforever 15th Mar 17, 6:34 PM
    • 24,098 Posts
    • 11,376 Thanks
    jonesMUFCforever
    • #3
    • 15th Mar 17, 6:34 PM
    • #3
    • 15th Mar 17, 6:34 PM
    What kind of transactions were they?

    For example if they were gambling transactions then your gambling account would also have been credited twice?
    What goes around - comes around
    give lots and you will always receive lots
    • Shakin Steve
    • By Shakin Steve 15th Mar 17, 7:24 PM
    • 966 Posts
    • 685 Thanks
    Shakin Steve
    • #4
    • 15th Mar 17, 7:24 PM
    • #4
    • 15th Mar 17, 7:24 PM
    I don't understand this method of accounting at all. I wake up in the morning, grab a cup of coffee and, within five minutes, I know exactly what transactions occurred yesterday in all three current accounts and my two credit cards. Apps with a five digit login make it very easy to do this.
    I came into this world with nothing and I've got most of it left.
    • TadleyBaggie
    • By TadleyBaggie 16th Mar 17, 12:12 AM
    • 2,388 Posts
    • 1,721 Thanks
    TadleyBaggie
    • #5
    • 16th Mar 17, 12:12 AM
    • #5
    • 16th Mar 17, 12:12 AM
    Apps with a five digit login make it very easy to do this.
    Originally posted by Shakin Steve
    Apps (and phones) that support fingerprint authentication are even easier.
    • Shakin Steve
    • By Shakin Steve 16th Mar 17, 6:04 AM
    • 966 Posts
    • 685 Thanks
    Shakin Steve
    • #6
    • 16th Mar 17, 6:04 AM
    • #6
    • 16th Mar 17, 6:04 AM
    Apps (and phones) that support fingerprint authentication are even easier.
    Originally posted by TadleyBaggie
    I can get my passcode entered in about three seconds. I'm not going to upgrade my kit just to save one of them. Besides, I'm an old fogey and I don't like this new-fangled fingerprint stuff. As for facial recognition, I don't want to upset my iPad first thing in the morning
    I came into this world with nothing and I've got most of it left.
    • Biggles
    • By Biggles 16th Mar 17, 8:48 AM
    • 7,438 Posts
    • 4,810 Thanks
    Biggles
    • #7
    • 16th Mar 17, 8:48 AM
    • #7
    • 16th Mar 17, 8:48 AM
    The only time limit I can see in their T&Cs is 13 months, not 120 days.

    In any event, if there were several, all with different retailers, it can only be down to errors in the Co-op's or Visa's own processing system. You don't even know that the retailers got the funds twice, just that the Co-op deducted it twice.

    You should escalate this to a complaint; and put it in writing.
    • PeacefulWaters
    • By PeacefulWaters 16th Mar 17, 9:39 AM
    • 6,993 Posts
    • 8,601 Thanks
    PeacefulWaters
    • #8
    • 16th Mar 17, 9:39 AM
    • #8
    • 16th Mar 17, 9:39 AM
    They're quoting you chargeback rules.

    This is not a chargeback. Miss about unauthorised transactions.

    Complain and escalate if needed.

    And flog yourself senseless for your lax checking of your accounts.
    • Ben8282
    • By Ben8282 16th Mar 17, 4:16 PM
    • 2,045 Posts
    • 895 Thanks
    Ben8282
    • #9
    • 16th Mar 17, 4:16 PM
    • #9
    • 16th Mar 17, 4:16 PM
    Duplicate transactions are uncommon these days.
    The suggestion that there have been several on 'numerous occasions' from different retailers is very strange indeed, as is the OP's failure to notice them for several months.
    Last edited by Ben8282; 17-03-2017 at 4:45 AM.
    • fifeken
    • By fifeken 16th Mar 17, 5:40 PM
    • 2,166 Posts
    • 1,115 Thanks
    fifeken
    It seems to me that this is a failing by Visa rather than the retailers . . .
    Originally posted by Eric Bridge
    Maybe a slight bit of a failing by you too in not noticing it for 6 months?
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

2,747Posts Today

7,210Users online

Martin's Twitter
  • RT @LordsEconCom: On Tuesday Martin Lewis, Hannah Morrish & Shakira Martin gave evidence to the Cttee. Read the full transcript here: https?

  • Ta ta for now. Half term's starting, so I'm exchanging my MoneySavingExpert hat for one that says Daddy in big letters. See you in a week.

  • RT @thismorning: Can @MartinSLewis' deals save YOU cash? ???? https://t.co/igbHCwzeiN

  • Follow Martin