Debit card query

dalesrider

stclair wrote: »

Have you ever thought about whistle blowing? As not one bank does an immediate refund under the DSR lol

DSR is a persons legal right. Not something that banks work under.

PSD is something that the EU and FSA in the UK have told banks they have to act to.

I know FOS won't act under the 8 weeks complaint window.

But If someone complains to them about a PSD breech, they may decide to act and contact the bank. or at least ensure that the auditors have a good noosy around to ensure compliance

wotsavings

dalesrider wrote: »

Ring back. Just ask for the disputes/fraud department. Don't say why or get into a conversation. This department will know exactly how to deal with this.
If they get funny quote
PSD (Payment Services Directive) and unrecognised transaction. Raise it as a complaint Say the word COMPLAINT and that if the refund is not back in your account straight away. That is just after you finish the call. Then no matter what you will take this to FOS. All you simply have to do is refuse waht they offer, which will be via their customer relations department.
This may just get them to act. As failure to log a unrecognised transaction is a £5K fine and I dread to think what failure to action the refund will bring.
Their procedure have to be in line with PSD, or excede them.

At worst this would be classed as a duplicated payment (immediate refund under PSD).
TBH. I would treat this as a fraud debit. That would make the company sit up and take notice, again (immediate refund under PSD).

Thanks for this, I'll let you know how I get on :beer:

stclair

dalesrider wrote: »

DSR is a persons legal right. Not something that banks work under.

PSD is something that the EU and FSA in the UK have told banks they have to act to.

I know FOS won't act under the 8 weeks complaint window.

But If someone complains to them about a PSD breech, they may decide to act and contact the bank. or at least ensure that the auditors have a good noosy around to ensure compliance

My question was have you thought about bringing it someones attention?

dalesrider

stclair wrote: »

My question was have you thought about bringing it someones attention?

Such as how?

Yes I could contact the FSA or FOS and point them at this. Not sure they would activly do anything though. As I could provide no details other than this link.

It would have far more weight if the person involved does it.