His she getting done by both sides.

Sweey_as_a_nut

My sister in law phoned me last night to tell me the following. About a fortnight ago she had a phone call, a woman on the other end sounded Pakistani, She enquired if she suffered from arthritis, Sister in law said she did woman on other end told her about a miracle cure for it.
Cost £11.95 for a month supply. She decided to try a months supply, and gave her bank details, yes I know.

Yesterday she had delivery of 20 months worth cost £239. Plus £5 post. I started to rant telling her to go to her bank to stop them taking any more out of her account. She done this this morning. However the bank have now got her to take insurance out, so this will not happen again cost £29 per year. Is this insurance worth it? or is the bank making more money on her laps.

Thanks.

lucylucky

I cannot see how an insurance policy can stop a person voluntarily handing out their bank details, which is what happened.

Biggles

If it was by DD, the bank would do better to honour the DD guarantee and reverse the debit.

I'd imagine the insurance is some kind of ID theft cover, and that isn't what happened.

moonrakerz

I have a "miracle cure" for stopping gullible people falling for (real !) scams like this.....................only £29.99 a month ...............please send Bank details, including your PIN to ...................

Sweey_as_a_nut

When she visited the bank this morning, they got the payment up on the computer, and as soon as they seen who it was paid to, they new it was people they have had complaints about many times. Sooo wondering if they will stop all payments to suspect firms. It was not direct debit, just a one off payment for one months supply.

Sweey_as_a_nut

Well Moonrakerz she as been in pain for quite a few years, and find it hard to sleep. And they caught her at a vulnerable moment. Over the years she as been like you to bright to be conned by anyone.

scotsbob

Scandalous behaviour from the bank. They realised from her story that she was a gullible person who had low sales resistance and took advantage of it.

Motto is never be sold to , only ever be a buyer.

lucylucky

Sweey_as_a_nut wrote: »

When she visited the bank this morning, they got the payment up on the computer, and as soon as they seen who it was paid to, they new it was people they have had complaints about many times. Sooo wondering if they will stop all payments to suspect firms. It was not direct debit, just a one off payment for one months supply.

She paid the money voluntarily, albeit unwittingly, and I can't see any insurance covering this. She should cancel it and save herself nearly £30.

Biggles

Sweey_as_a_nut wrote: »

It was not direct debit, just a one off payment for one months supply.

What I was getting at was, what payment type was it? You said she gave her bank details, then DD is the only type of payment they could take. Did you mean she gave them her debit card details? That isn't so well protected as the DD guarantee.

monkeyspanner

Biggles wrote: »

What I was getting at was, what payment type was it? You said she gave her bank details, then DD is the only type of payment they could take. Did you mean she gave them her debit card details? That isn't so well protected as the DD guarantee.

Ditto this query.

Direct Debit payments can be reversed, simply ring the bank.

Sounds like she handed over her debit card details in which case the card details are likely to be sold onto other scammers. I would ask the bank to cancel the card and reissue a new card if it was me. Also as they were successful her telephone details and address are also likely to be sold on as a possible target for scamming by telephone or personal callers.

It won't stop the scammers but I would recommend also registering for Telephone and Mail preference services

If it is insurance the bank sold her there should be a cooling off period during which she can cancel.

Also contact trading standards there may be something they can do.

alanq

A VISA debit card offers similar protection to that offered with a credit card.

http://www.which.co.uk/advice/your-rights-when-paying-by-credit-card/chargeback-on-credit-and-visa-debit-cards/index.jsp

Distance selling regulations should mean a refund even if what arrived was exactly what was ordered.