Unauthorised debit ?

edited 30 November -1 at 1:00AM in Credit Cards
3 replies 996 views
Alison-J_2Alison-J_2 Forumite
32 Posts
edited 30 November -1 at 1:00AM in Credit Cards
Do you think I should receive compensation for this?

I booked a holiday and paid a deposit of 240.00 by credit card. Now, the company said this transaction could not be made due to a fault with my card so I gave them my debit card and they took 240.00. I have checked my statements this morning and found that the first transaction DID go through and 243.63 (not the correct amount and unauthorised) was debited.

What do you think?

Replies

  • BossybootsBossyboots Forumite
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    Why compensation?? What exactly do you want compensation for?

    You need to contact them and inform them that in fact the payment did go through and arrange for them to action a refund to your credit card. They may want proof by seeing your statement. If they are difficult, you need to notify the card provider that it was an unauthorised transaction and ask them to do a chargeback.

    At the moment you have suffered no loss for which you are entitled to compensation. You might want them to pay any postage charges you incur because of their mistake and it certainly wouldn't hurt to try to negotiate a discount or something for the inconvenience of having to sort it out but you are certainly not in a position to claim compensation.
  • YorkshireBoyYorkshireBoy Forumite
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    Alison-J wrote:
    What do you think?
    The additional £3.63 looks like a 1.5% surcharge for paying by credit card.

    Disagree with the previous poster on the refund though. Ask them to refund the debit card instead, so you enjoy 'section 75' protection (by paying the deposit by credit card) if anything goes wrong with the booking.
  • BossybootsBossyboots Forumite
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    Part of the Furniture 1,000 Posts Combo Breaker
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    The additional £3.63 looks like a 1.5% surcharge for paying by credit card.

    Disagree with the previous poster on the refund though. Ask them to refund the debit card instead, so you enjoy 'section 75' protection (by paying the deposit by credit card) if anything goes wrong with the booking.


    The only reason I suggested refunding the credit card was because it was more than the debit card transaction and to date will not have attracted interest.

    I agree though, it would be better to get the debit card credited for the reasons you state.
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