Is this too good to be true?

AnonIdiot

pnaidoo wrote: »

I am just palian angry about the way my debit card details have been abused by FDI. My bank basically has taken the view that I compromised the card by giving out the details. Also, how does chargeback operate and how should i go about requesting it.

Pn

Have a look at the following link http://whatconsumer.co.uk/visa-debit-chargeback/ Also there is a sample letter you can use in the link below http://www.cclcnsw.org.au/content/view/84/45/ However if your bank refuses to issue the amount abck to you, you can always take your case to the financial ombudsman service http://www.financial-ombudsman.org.uk/

Zweitaktmotor

On 2 October, another CCJ was recoreded against FDI. - Does anyone know any details?

pnaidoo

thanks Anon for your kind advice, however I have been told by RBS that their debit card which is a Maestro card does not allow for chargeback. I never gave FDI permission to carry out any transaction on my card. I am absolutely livid.

PN

pnaidoo

silverlady3 wrote: »

We paid for the initial survey which they didn't even send anyone out to look. They just gave us a good valuation over the phone. Then they took £915 out of my account using my bank debit card that I had paid the valuation fees with, but I did not discover this for a couple of days and have had to cancel my bank card. This was unauthorised theft! What incenses me as much is that Natwest will not refund me that money as they say I willingly gave my card details to FDI for the valuation, and there is no way they can prevent someone continually drawing money from my account if they have my card number. I have taken this up with the fraud department, but I apparently will have to fill in lots of paperwork, and they will then decide whether to reimburse me after about 2 weeks. Just think, you could order a pizza and pay with your debit card and next day find that your account has been cleared out. What is this country coming to with our crap banking systems.

Silverlady Please let me know how you are dealing with getting your debit card refunded by Natwest. RBS have taken the view that i have compromised my card and thats it.

Pn

AnonIdiot

Threaten to take your case to the finacial omsbudman then, also I would go into your local branch and demand to speak to the manager

tek-monkey

AnonIdiot wrote: »

Threaten to take your case to the finacial omsbudman then, also I would go into your local branch and demand to speak to the manager

Always my favourite option, people back down faster fact to face. Also its bad press, which they don't like.

silverlady3

My bank, Natwest, at first said there was nothing they could do as I had their Maestro card and had previously given out my card details for the fee for the survey. I then rang their head office and complained, and they said they would send me forms to fill in so they could get the fraud department to take a look at it. These have not arrived yet! I then went in my branch again on thursday and saw another person who saw the manager and took details. She said they would look into it and MAY give me a chargeback, but she could not guarantee this. I am still waiting to hear. They told me to keep a credit card with no money on it just to use for occasions like this when I need to pay strangers, and then if all goes through, to transfer money onto that card to meet the payments, but only just enough to pay and no more so the scammers can't clear an account with a lot of money in it. This really gives me faith in our banking systems I don't think. I don't know what else to do. They are going to replace my card I stopped with a Visa debit one as they say this will offer me slightly more protection.

tek-monkey

Hang on, so the bank are saying you are at fault for disclosing the card details - to a company you legitimately paid? The problem is the taking of funds a second time, which was not authorised and is therefore fraud. Otherwise Tesco are free to withdraw funds whenever they want from my account, because I purchased some beans last week.

Have I missed something, or are they talking crap?

silverlady3

Yes, this is exactly what it means if you pay anyone for anything with your debit card. You have to rely on the people you give your details to being honest and trust them not to extract any more money from your account. I can assure you, I won't be using it again on the phone or internet. It was lucky I noticed the day they took £915 out without my permission and I cancelled the card right away, or I daresay they would have taken at least 2 more lots out as we were selling a block of flats to an investor and they were putting it through as 3 flats and 3 payments, so they only managed to get the one lot of money. They should not have had that as we had agreed our solicitor was going to hold the money and pay them at the end of the deal. They must have known they were going down so grabbed what they could while they had the chance, the scumbags.

turakina

Hello Screwed, you are not the only one!
And Barnicoat...? Yes he was my buyer too. First he was unavailable as he was travelling around the country on his buying spree. Then he had a bereavement, in Cyprus, then he was in the US to settle the deceased's affairs and was coming back until mid September....

I dropped him for another 'investor' by the name of Haider, he couldn't exchange because he had to wait for exchange rates to be right, so he was dropped, but lo and behold was the buyer for a friends property two days later, like you, completing 9th October! Then I had a third unnamed buyer, three days before they shut down and now I am up a creek, with an eviction notice because I have no sale...

And, no money in my account from these people - !!!!!!!S!!

My step-mother was right, never trust anyone with such appalling grammar/spellings on their website!!