Card not charged for purchase? Help as i'd like to give the money to charity

dmg24

davidmaiden18183 wrote: »

No not at all! I give money to charity regularly but morally I don't feel right about being over £500 up on money I shouldn't have. This company is big enough and of an International scale and I know Charities that could do a lot with it so i'd rather they have it.

If you do not feel that it is right to keep the money, surely the moral thing to do would be to pay the retailer? You do not get to choose who you pay for an item!

davidmaiden18183

spadoosh wrote: »

<hmm alterior motive?!> be careful op you certainly could look like your trying to scam someone. They can take the money anytime they want really. Best option for you is to ring them up and pay them over the phone. This way you will know exactly how much you have to give to charity

no alterior motive at all, but if the retailer systems are so lax that they dont notice and to be fair wont miss it I dont see why someone who will notice and benefit greatly from it to help young disabled people shouldn't be let to benefit from it.

That alone is worth me not calling the retailer.

This wasn't meant to be a moral query, we all have different opinions but for me I'd rather the charity benefit, but likewise I hope to be able to wait to do that until I can at least be 80-90% sure it has been missed and they will never make the charge.

RagingGoose

You agreed to pay the company when you bought the items, you have the products and owe them the money. I suggest you get in contact with them to ensure an error has not been made and that the payment will be taken.

meer53

Because you have received your goods you should contact the retailer and let them know that you haven't been debited. They can debit you at any time, you owe them the money, they will debit you eventually, put the money in a different account if you dont want to leave it where it is.

dresdendave

davidmaiden18183 wrote: »

Would it help, or at least stop me getting stung without warning if I called my bank and had the visa i used to pay reissued with a new number etc.

.

Being expected to pay for an item you have received is not exactly being stung.

chattychappy

davidmaiden18183 wrote: »

Would it help, or at least stop me getting stung without warning if I called my bank and had the visa i used to pay reissued with a new number etc.

That could be an offence under the Fraud Act 2006.

Just because young people are disabled doesn't mean they want to benefit from the proceeds of your crime.

If you feel that this "International" company with its "lax attitudes" can do without your money, then you shouldn't have made your purchase in the first place.

lisyloo

Technically it's 6 years that they can claim the money.
Personally (and I have been in this situation) I would pay them - mainly to stop it preying on my mind for 6 years (to be perfectly honest).

chattychappy

lisyloo wrote: »

Technically it's 6 years that they can claim the money.

Yep, and even more technically the clock can be paused in the event of fraud..

bouncydog1

The company may somehow have charged somebody else for your goods - which the OP will likely notice when they get their statement. They will go back to their card co to investigate and some months down the line you may find yourself being asked for the money.

Suggest you put the money into an interest bearing account and forget about it. Then, six years down the line if you still haven't been charged you will be able to give the charity a little bit more.

Methinks that you are hoping to pay the money to charity then use that as a defence when the card co ask you for the money.......

lisyloo

Yep, and even more technically the clock can be paused in the event of fraud..

In what way is this fraud?
The company have just failed to ask for the money. The OP provided payment details and has done nothing wrong.

Are you saying because they have noticed and then not paid that it is fraud?
If that is what you are saying then do you really think they would spend money on a fraud prosecution when the OP can just say they didn't notice?
I think a fraud prosection is wildly fantastic, but them going after the debt is quite likely.