What protection do I have if I purchased fake concert tickets

I bought some concert tickets from a scam site, the credit card company initially declined the transaction but allowed it to go through after I confirmed it was me buying the tickets. They assured me there were no issues with the merchant. I have contacted them but say I can do nothing until the point (middle of next year) when the tickets fail to arrive. They will then try to get the money back from the merchant, not likely as the website has been taken down at the request of law enforcement agencies. I understand that I should be protected under the credit act but credit card companies are poor at paying claims and timescales apply. Can anyone confirm what my position is?

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  • edited 29 December 2010 at 1:30AM
    ConsumeristConsumerist Forumite
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    edited 29 December 2010 at 1:30AM
    If your purchase was for more than £100 then I suggest you send a written complaint now, explaining the situation to them. Head the letter with the word Complaint so that they are aware that you are making a formal complaint and not just a general enquiry. Send the complaint letter by Recorded Delivery post so you can confirm its receipt using Royal Mail's online tracking service.

    By sending your written complaint, you have notified the bank as required (as soon as practical or when it came to your attention). If they insist that you wait until it is clear that the merchant has not sent you the goods you have paid for then write again at that time.

    It is disappointing that you may have to wait to get your money back but you should at least get it back eventually under Section 75 protection.
    >:)Warning: In the kingdom of the blind, the one-eyed man is king.
  • p00hsticksp00hsticks Forumite
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    If your purchase was for more than £100

    I believe that for Section 75 to apply, the £100 has to be PER TICKET - not the total cost of the transaction
  • I have had a similar experience but I used my debit card which has a visa symbol on it. Am I covered under the same rules?
  • edited 6 July 2011 at 7:16PM
    ConsumeristConsumerist Forumite
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    edited 6 July 2011 at 7:16PM
    brunette36 wrote: »
    I have had a similar experience but I used my debit card which has a visa symbol on it. Am I covered under the same rules?

    Hi brunette36 and welcome to the MSE forum.

    Although section 75 protection does not apply to debit cards, there is a charge-back facility which does apply to Visa debit cards. Under the charge-back system, the item cost is not subject to the £100 minimum. If your debit card is a Visa card, and you do not receive the tickets you have paid for then you should contact your bank and ask for a charge-back reimbursement.
    >:)Warning: In the kingdom of the blind, the one-eyed man is king.
  • one of my friends had an experience with an insurance company wherein they pushed her to pay for an insurance policy that she really didn't want. its like they scammed her to get her money from her credit card.

    the card company said they can no longer do anything if the monthly payment of £150 will arrive. but what she did was go to the insurance company and complain. had them sign an agreement that they will reverse the charge but it will take 45-60 days before the money will be credited back to the card.

    she already got it by the way. but what happened to mzblain? did the card company already reverse the charge?
    :A work to live or live to work? :A
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