Credit Card fraud, Need advice please

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Hi everyone, I am going to keep this nice and short unless someone asks for the full story

Barclaycard platinum, Transfered all balance to another card and asked barclaycard to close the account. they said dont worry we will just leave it open!

This was in July

since the I haver had some medical issues and have not really paid attention to statements etc

Ring Barclaycard in November to ask to close account and they said i had £3000 outstanding :eek: 3 computers bought from Dell at the end of July.

Filled a dispute form in and I have been told that because I didnt report withi 90 days i am laible for the fraud! Is this a legal requirement? is there anything I can do?

I know I should have been checkig my statements but I had so much o, and with the card not being used I "Presumed" everythig was ok?

Please help!

Thanks in advance

Comments

  • G1987
    G1987 Posts: 21 Forumite
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    Hi there, i've had a bit of experience in this having worked in credit for a few years.

    Usually the disputes department within credit card companies will stick very rigidly to these kind of timelines in order to lower their exposure. They are also laid out in the terms of the product .

    In this case you may want to call them back and simply query the 90 days; remind them that they recommended the account remain open and dormant which has obviously put you at risk. Also you may want to request they reconsider based on compassionate grounds (you mentioned some medical problems).

    Also i know this is a bit of a cliche but try and escalate the query to a manager, sometimes it can make a difference!

    Failing that then you may wish to contact trading standards etc. thay might have some more advice!

    hope this helps
    Graham
  • poker_face
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    G1987 wrote: »
    Hi there, i've had a bit of experience in this having worked in credit for a few years.

    Usually the disputes department within credit card companies will stick very rigidly to these kind of timelines in order to lower their exposure. They are also laid out in the terms of the product .

    In this case you may want to call them back and simply query the 90 days; remind them that they recommended the account remain open and dormant which has obviously put you at risk. Also you may want to request they reconsider based on compassionate grounds (you mentioned some medical problems).

    Also i know this is a bit of a cliche but try and escalate the query to a manager, sometimes it can make a difference!

    Failing that then you may wish to contact trading standards etc. thay might have some more advice!

    hope this helps
    Graham

    Good Advice. This seems to be happening more and more atm. Hope it gets sorted
    |Credit Card Debt Free|I'll bring you flowers in the pouring rain|
    :money:
  • Spittingfeathers_2
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    Hi, sorry to hear this has happened to you. I reported a fraud on my Barclaycard account on Friday 21st November. I received the report forms on the following Thursday which I completed and posted on Saturday. That day I also received a second letter advising that they had carried out a full investigation and held me responsible as my card was protected by a PIN and I must therefore have used the card myself on these transactions, or given my PIN to someone else. What they seem to have failed to spot was that all the transactions took place in American shops where PINs aren't generally used. (they still use the old signing system).

    The thing is, this letter was dated the 21st! The very day I made the report. It must have been a very thorough investigation! I'm thinking perhaps its a standard letter they use to try to put people off who are trying it on.

    I guess my point is they seem to be trying everything they can to get out of reimbursing frauds so don't be put off.
  • MrRoper
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    thanks for the advice guys,

    I was wondering if it mentions the 90 days in the Credit consumer act, and if not, can they enforce the 90 days?

    I have contacted the Ombudsman who said they will investigate but I just cant afford this amount of money :(
  • Geenie
    Geenie Posts: 1,213 Forumite
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    Write to them. Barclaycard seem to respond better to this in my experience then trying to explain over the phone to a different person every time you ring.

    Be robust in making your points.....you wanted to close the card, but they kept it open, and explain why you didn't notice the fraud until recently (medical problems). Give dates if possible when stating your grievances, and make it very clear that you consider this situation to be a result of them not doing what you initially asked for, yet you are being held responsible for the consequences.

    You could also make a point of directing them towards Dell, stating that they must have a record of what was bought on your card details and where sent, and ask if BC intend contacting the police!

    And finally, point out your spending habits if this is an abnormal amount for your card history, and why BC were not suspicious!

    Good luck with it. That is an awful amount of money to have stolen from you.


    "Life is difficult. Life is a series of problems. What makes life difficult is that the process of confronting and solving problems is a painful one." M Scott Peck. The Road Less Travelled.
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