When is a fraud not a fraud?

alan1brian

I have a Natonwiide credit card, and on the latest statement is a charge which I have no knowledge of, although the name of the payee is a company to which I gave my credit card number in September to conduct a legitimate transaction.

Nationwide are refusing to accept that the latest charge from this company is fraudulent, saying that once I have given my card number to a company then that company can charge my credit card account at any time without reference to me.

Surely this cannot be right, or even legal?

Has anybody else had this experience, and if so, what did you do about it?

CKhalvashi

alan1brian wrote: »

I have a Natonwiide credit card, and on the latest statement is a charge which I have no knowledge of, although the name of the payee is a company to which I gave my credit card number in September to conduct a legitimate transaction.

Nationwide are refusing to accept that the latest charge from this company is fraudulent, saying that once I have given my card number to a company then that company can charge my credit card account at any time without reference to me.

Surely this cannot be right, or even legal?

Has anybody else had this experience, and if so, what did you do about it?

I’d complain then take it to the FOS if you don’t win.

Look at it like this; I bought 2 tires from Elms BMW 3 weeks ago, paying for this on an AmEx card. I have given them no right to continue putting a transaction through, as they have been paid for fitting 2 tires and servicing the car.

At the same time, I left Vodafone earlier this year. If they had continued to debit my credit card (as this was there the direct debit was from), they would be required to give the money back.

Nationwide don’t ideally have a leg to stand on here.

Fruit_and_Nut_Case

alan1brian wrote: »

I have a Natonwiide credit card, and on the latest statement is a charge which I have no knowledge of, although the name of the payee is a company to which I gave my credit card number in September to conduct a legitimate transaction.

Nationwide are refusing to accept that the latest charge from this company is fraudulent, saying that once I have given my card number to a company then that company can charge my credit card account at any time without reference to me.

Surely this cannot be right, or even legal?

Has anybody else had this experience, and if so, what did you do about it?

Other people have had this happen with various credit card providers. It often turns out that they have inadvertently agreed to a Continuous Payment Authority. Is it possible that you've been snared by this?

meer53

Who was the retailer and what did you buy ? More information is needed before anyone can give any more advice.

CKhalvashi

Fruit_and_Nut_Case wrote: »

Other people have had this happen with various credit card providers. It often turns out that they have inadvertently agreed to a Continuous Payment Authority. Is it possible that you've been snared by this?

Something I didn’t know, thanks for the heads up!

alan1brian

meer53 wrote: »

Who was the retailer and what did you buy ? More information is needed before anyone can give any more advice.

The retailer is a car hire company in Italy. I hired a car from them in September, and paid using my natiionwide crtedit card

Stageshoot

In that case it would be in the agreement that they can charge your card at a future date for any Parking Tickets, Motoring Offences, Damage found at a later date, etc, etc..

Ideally they should notify you, but not likely with an overseas company,

They will have an imprint of your card, and a copy of the agreement signed by you that oyu are liable for any of these charges, so would be very difficult to defend as a chargeback.

MrsTinks

Have they stated anything about what the charges are for? ie could they have been trying to contact you for damage to the car (although it's a bloody long time after the hire... just trying to think of any legitimate reason before next steps...)
I would start by contacting them to request an immediate refund and inform them you will be charging them interest for every day they keep your money as well as any costs incurred through your loss.
And I'd keep hassling your credit card provider informing them that you dispute any charge applied other than in relation to your initial hire of the vehicle...

ILW

All car hire companies do it. You will have agreed at some point.

meer53

When you hire a car and give your card details you're agreeing to further charges. Has your CC issuer disputed it for you before they have said they can't help ?

jd87

Sorry OP but as soon as you said car hire that's the end of it. You obviously got caught by a speed camera or something.