Card Company Takes Payment Without Permission

yar_2

HI FOLKS WHAT DO YOU THINK OF THIS BELOW
lOOKED AT MY BANK ACC THIS MORNING AND MY CREDIT CARD COMPANY HAVE WITH DRAWN £20 I KNEW NOTHING ABOUT IT I WENT TO MY BANK THEY TOLD ME THAT IT WAS A SWITCH CARD TRANSACTION ,I SAID I DID NOT MAKE IT THE CREDIT CARD COMPANNY WENT AND USED MY SWITCH CARD NUMBER AND SECURITY DIGITS WITH OUT MY PERMISSION TO WITDRAW FROM MY ACCOUNT IS THAT OK FOR THEM TO DO THAT
AND WHAT CAN I DO ABOUT IT?

King_Of_Fools

Have you set up a CPA on your Switch card?

Astaroth

CPA doesnt officially exist on Switch cards though some companies do "do it" (according to our merchant services expert anyway) - if you want to set up a payment plan using a bank account they are supposed to do a DD rather than a CPA off the card.

Rafter

Call your credit card company and find out why and how they did it! Are you sure it has been paid to your credit card too - it could be someone committing a fraud using copied debit card details. Get onto your credit card company and find out what is going on!

R.

yeslek

chances are you will have to contact whoever took the payment.

only then if you still have problems should your bank intervene

yar_2

i have not pre arranged any thing with the card company this was totaly out of the blue with out my permission i tried to contact the company and it took 3 account managers and they still could not tell me who made the transaction
as far as i can see they have stole from my account
Ray

KTF

I am confused. You say your credit card company took money out of your bank account using your switch card?

Is the credit card and bank account with the same provider or are they different and was there already an outstanding/overdue balance on the card?

If the 2 accounts are from the same provider I have seen it mentioned here before that they sometimes take payment out of the current account to pay off the debt on the card.

yar_2

Hi
My Credit Card And Bank Account Are Two Different Banks ,i Do Owe But I Have Arranged To Pay 120 A Mnth I Phone Up And Ask For The Person That I Made My Arangment With And I Pay By Switch I Insisst On Talking To Her Keeps Things Simple I Still Have No Verbal Or Written Arangment For Any Thing Else
Ray

KTF

Has the 120 for this month already been processed? Could it be that the person you spoke to missheard you and only took out 20 instead?

yar_2

No 120 Due On The 30th And Only If I Rang The Payment In
The Payment They Took Is With Out Me Permission And Totally With Out My Knowledge

KTF

In that case, when you phone them up tomorrow I would phone them up and explain the situation. They will probably refund the payment or you will only have to pay 100 to them instead so that it balances out.

They should still be able to explain the unauthorised transaction though.