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MBNA transferring fraud liability to me!?
lionbeat
Posts: 1 Newbie
in Credit cards
Hi there,
I'd like some help, as I've got myself into a difficult situation with MBNA.
In September, some fraudulent transactions were put onto my account. I saw these on my statement and I immediately challenged them. I noticed them immediately, as the card was one that I use for balance transfers, and I actually should have had a small credit on the account.
I was told by the MBNA security operative that the activity was certainly fraud, that their cards were being targetted, and that I was not alone. The transactions were reversed.
Subsequently, I received a letter which asked me to confirm that the transactions were fraud. I had to return the letter, which was tricky as I work hard and don't have time to post letters during the day. On this basis, I decided to call them to put the issue to bed.
On calling, I was advised that a note would be put on my account, and that the issue was resolved. I did not need to return the letter. I then went away on holiday for two weeks, only to return to two more of these letters. I ignored them, as I had been told the issue was resolved. Herein lies my problem.
MBNA have subsequently put the transactions which they have acknowledged as fraud back on my account, charged me interest and they now stand as an interest bearing balance! Further, they have no record of my call to them, where I was told that I had no further action to complete.
I telephoned again, and was told to return the letter asap. This time, I made sure I did just that. However, despite my action, they are now refusing to reverse the charges! They are saying that I ignored their letters, which were in fact to be passed to Visa, and so they are now unable to reclaim the money from Visa, and so they are holding me liable for the fraud.
I am flummoxed, and they are utterly intransigent.
Do I have any recourse? The balance is around £150. I am loathe to pay it, but they have advised me that if I do not, my credit rating will be affected. On reflection, clearly I should have just returned the signed letter but, then again, I spoke to a real person and was told that everything was ok! I feel like I am being bullied.
Any advice much appreciated.
JCC
I'd like some help, as I've got myself into a difficult situation with MBNA.
In September, some fraudulent transactions were put onto my account. I saw these on my statement and I immediately challenged them. I noticed them immediately, as the card was one that I use for balance transfers, and I actually should have had a small credit on the account.
I was told by the MBNA security operative that the activity was certainly fraud, that their cards were being targetted, and that I was not alone. The transactions were reversed.
Subsequently, I received a letter which asked me to confirm that the transactions were fraud. I had to return the letter, which was tricky as I work hard and don't have time to post letters during the day. On this basis, I decided to call them to put the issue to bed.
On calling, I was advised that a note would be put on my account, and that the issue was resolved. I did not need to return the letter. I then went away on holiday for two weeks, only to return to two more of these letters. I ignored them, as I had been told the issue was resolved. Herein lies my problem.
MBNA have subsequently put the transactions which they have acknowledged as fraud back on my account, charged me interest and they now stand as an interest bearing balance! Further, they have no record of my call to them, where I was told that I had no further action to complete.
I telephoned again, and was told to return the letter asap. This time, I made sure I did just that. However, despite my action, they are now refusing to reverse the charges! They are saying that I ignored their letters, which were in fact to be passed to Visa, and so they are now unable to reclaim the money from Visa, and so they are holding me liable for the fraud.
I am flummoxed, and they are utterly intransigent.
Do I have any recourse? The balance is around £150. I am loathe to pay it, but they have advised me that if I do not, my credit rating will be affected. On reflection, clearly I should have just returned the signed letter but, then again, I spoke to a real person and was told that everything was ok! I feel like I am being bullied.
Any advice much appreciated.
JCC
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