How do I cancel visa debit payment that is "pending"?

meer53

teffers wrote: »

Report your card as compromised (the details have been obtained by a fraudulent site - which they are if they provide counterfeit items etc). Request a new card.

If the transaction goes through (watch your online banking for a good while) then claim it back through your bank. If they continue to be un-helpful formally request they initiate a Visa-Debit chargeback. This is a service they MUST provide and is your right when using a Visa-Debit card for any purchase amount.

If the initial clerk plays dumb ask to speak to a manager as a lot of frontline staff seem to still be unaware of the Visa-Debit Chargeback facility.

You're covered so don't worry.

Just on a side note my GF asks me to checkout a cheap UGG boots site every week or so, I've not found one yet that isn't fake/china based/fraudulent etc.

A .co.uk website is NO guarantee of anything as anyone can purchase them from anywhere in the world.

The OP's card hasn't been compromised, they gave their card details willingly to buy goods. Stopping the card is unneccesary.

To claim anything back through Visa Debit Chargebacks, you have to have a valid reason for the chargeback. Non receipt of goods and goods not as described are covered but at the moment, the OP doesn't have a chargeback right as the goods might still be delivered. Chargeback options will be looked at after 30 days or after the OP has received their goods.

There are any number of reasons why a chargeback can reject, the OP is not guaranteed to get their money back.

There are lots of websites selling genuine Uggs, just do your research first.

teffers

Just for clarity my post was directed at P4ulap.

I disagree. I don't care if the poster initially gave their card details willingly, in this instance the company has gone awol and been removed from google's search results and is VERY likely to be selling counterfeit goods (due to the unusually low price and type of item etc.)

The poster states the website has disappeared, the seller is uncontactable - in that situation I would always advise cancelling the card. Forget this 'wait and see if your goods turn up' approach.

The site charged a different amount (regardless the reason, the fact is it's not the amount the seller agreed to), the seller has now disappeared and is nowhere to be found and even Google have removed all trace.

It's true you need a valid reason to complete a successful Visa-Debit chargeback (that's common sense) but a site charging a different amount to that which was agreed to, then disappearing without trace would lead a reasonable person to assume the site was not legitimate. If the goods turn up they WILL be fake (another good reason for a charge-back) so even if you have to wait you're money will be safe.

Bottom line is, regardless of the delay (in the unlikely event you have to await delivery from the non-existent company), the poster will be covered.

P4ulap

Thank you so much for your help teffers. I did speak to my bank again today and finally spoke to someone more helpful. They said that under the Visa eu rules they have to legally wait 15 days for the goods to show up (or not as I'm 100% convinced in this case!) but then they can charge back the money. He said he saw hundreds of cases of this last year in the run up to Christmas and the majority of cases got their money back. Phew! I'm new to the whole UGG boots purchasing so wasn't aware of the real cost of them and the top three sites through google (at the time, these companies have now disappeared!) were all advertising them around the same price. Also the payment site that I was transferred to had all the security logos to make me think they were genuine. Hey ho, a lesson learned and in future I will do ALOT more research prior to purchasing anything - I will probably just stick to well known companies. Thanks again.

meer53

teffers wrote: »

Just for clarity my post was directed at P4ulap.

I disagree. I don't care if the poster initially gave their card details willingly, in this instance the company has gone awol and been removed from google's search results and is VERY likely to be selling counterfeit goods (due to the unusually low price and type of item etc.)

The poster states the website has disappeared, the seller is uncontactable - in that situation I would always advise cancelling the card. Forget this 'wait and see if your goods turn up' approach.

The site charged a different amount (regardless the reason, the fact is it's not the amount the seller agreed to), the seller has now disappeared and is nowhere to be found and even Google have removed all trace.

It's true you need a valid reason to complete a successful Visa-Debit chargeback (that's common sense) but a site charging a different amount to that which was agreed to, then disappearing without trace would lead a reasonable person to assume the site was not legitimate. If the goods turn up they WILL be fake (another good reason for a charge-back) so even if you have to wait you're money will be safe.

Bottom line is, regardless of the delay (in the unlikely event you have to await delivery from the non-existent company), the poster will be covered.

Teffers, you may not agree with my comments about this not being fraud, but it's up to the OP's card issuer, and where i work, we would not treat this as fraud but as a dispute. A fraudulent transaction is one where the card holder has not provided any information and has not participated in the transaction.

As i stated, the goods will be fakes, but i have dealt with hundreds of cases where the goods have been received and on reading the small print on the website, the seller actually states that they are not selling genuine Uggs, but "Ugg style" boots. Two completely different things.

With regard to the amount charged, if the OP has been charged the correct foreign currency amount, then the sterling amount of the debit cannot be disputed.

There is a chargeback right for non receipt of goods but at present there is no specific chargeback right for counterfeit goods. If the OP can provide documentary proof that they ordered genuine Uggs and were supplied with fakes, then there is the possibility that the "not as described" chargeback can be used but the OP will need evidence to prove this which can be difficult to get.

The OP may be covered by one of these scenarios but the retailer can still reject the chargeback. I have seen this happen on more than one occasion, it's no good making a blanket statement saying the OP will be refunded, they may be refunded whilst the dispute is ongoing but this credit can be removed if the dispute fails. Better to let them know this than let them think everything is going to be ok and they'll get their money back.