quick question about disputed debit transactions

red_eye

I have just noticed that I have three unknoen tranctions on my debit card stament one is what looks like a reacurring transaction and the other two to the same company all from 2011.

Am I too late to have it sorted out?

mynameistallulah

red_eye wrote: »

I have just noticed that I have three unknoen tranctions on my debit card stament one is what looks like a reacurring transaction and the other two to the same company all from 2011.

Am I too late to have it sorted out?

You are not too late, but the onus will be on you to prove you did not authorise the transactions, which may be difficult after so long.

red_eye

Thanks this should be fun.

Lesson leant never thow bank statements in the bin!

any way to link company to trading name shown on bank statement? google is not being helpful today

mynameistallulah

red_eye wrote: »

Thanks this should be fun.

Lesson leant never thow bank statements in the bin!

any way to link company to trading name shown on bank statement? google is not being helpful today

If you tell us we might be able to give an idea of who they are associated with?

red_eye

derby sst and wp-av distrabution

meer53

The timescale to dispute debit card transactions is 120 days from the date of the debit so your card issuer may not be able to help you.

The WP bit on the second transaction stands for WorldPay, a bit like Paypal.

lisyloo

The timescale to dispute debit card transactions is 120 days from the date of the debit

Is that referring to chargebacks?
Does that timescale also apply to fraudulent use?

meer53

lisyloo wrote: »

Is that referring to chargebacks?
Does that timescale also apply to fraudulent use?

Thats referring to chargebacks. You can still report fraudulent transactions at any time but the card issuer won't be able to recover the money from the retailer, they will write it off.

The OP's situation doesn't indicate these are fraud though. It would be unusual to just see 3 transactions, then nothing else.

red_eye

derby sst takes money every month. I have no direct debits/ subscriptions of any kind.

there is no way I have made two transactions totaling £200 in two days, I dont think I ever used world pay

meer53

Do you have any dealings with any company in Derby ? Do you live in Derby ? Are they still debiting your account ? If they are, ask your card issuer to dispute these payments, you will then find out who they are. If they're still debiting, why haven't you queried it before now ?

To check out the other transaction, use https://www.worldpay.com there is a telephone number on their website. If you give them a call they will tell you what the transaction is for.

red_eye

I live in derby and I have no direct debits or bills coming out of this account. I noticed it last year but with the birth of my son things kind of got forgotten about.

I spoke to the bank and filled out a fraud form, should hear from them some time soon.