Advertising SCAM - National Group - JPC - Journal Group Production Company Limited

Azari

ellersb wrote: »

I've just been had by these swizzing !!!!!!. South East Gazette to the tune of £180. Paid on debit card, which I've now cancelled so the 'last three digits on the back' are different so hopefully they can't reuse my card.
I've reported to TS for the good it'll do me.
I can't believe I fell for it, I'm so gutted.

What do you mean by 'had'?

Have they made an unauthorised charge against your card?

If so, simply tell the CC company and they will reverse it.

ellersb

Azari wrote: »

What do you mean by 'had'?

Have they made an unauthorised charge against your card?

If so, simply tell the CC company and they will reverse it.

No, just completely misold to me. My own fault for falling for the 'need artwork by end of today as it's printing tomorrow' crap and not giving myself time to research them properly.
I've had no voucher copy to see the ad but can imagine its quality...and now my emails are bouncing back.
I'm so cross at myself, but paid on debit not credit card, so I'm pretty sure there's nothing I can do.

GomerPyle

I assure you that you can get your money back ellersb if you're prepared to make the effort.

It won't cost you anything though it's a law of nature that card companies will perform with inbuilt inertia to your refund request.

The only drawback is that your relationship with your bank may be diminsihed by your action, so that if you are beholding to them with regard to debt or overdrafts, then it's wise to be cautious.

To be blunt and realistic, you can only enforce your legal rights if you are prepared to arm wrestle but the system should automatically allow anyone who feels that they have bee duped to obtain a refund, but it doesn't work like that, and some organisations are seeking to exploit deficiencies in the system.

If you contact me via private message I can provide some guidance. I am constrained from speaking openly otherwise the thread is likely to be closed if I mention specific names, but a Google search will provide a lot of background information.

Quite simply, if your situation with your bank allows, then showing that you are adamant in taking the matter to the FOS (a process that costs you nothing) they will make sure you get your money back.

GomerPyle

Sticking to generalities it must be pointed out that though it is possible to establish a contract by phone, it fails if it involves misrepresentation and it is up to the person wishing to pursue its enforcement that a contract exists and didn't involve misrepresentation. The fact that the other party holds your card details doesn't remedy that defect.

I'm out today but have a passage from the Card Association that supports that contention. I'll dig it out.

Clearly people must be very cautious about giving their card details to anyone over the phone, but doing so doesn't leave you without a legal remedy, and it's not difficult or costly to pursue. Some card companies have a tendency to be stubborn and unhelpful, so you may have to be firm and dogged to succeed, but all is not lost by any means.