Embarrassing situation but can it be sorted?

opinions4u

electrified2011 wrote: »

JakeGreen - I don't remember making any transactions so I don't recall getting amounts. My finances were in the best shape for years and I was wanting to have a holiday this year but the dream is over. I might speak to the licensing board as drunk people should by law be kicked out of bars and not get kept in and get ripped off. I hope to wake up from this nightmare very soon.

Please take responsibility for your own stupidity.

Abbafan1972

It sounds to me like your drink was spiked, but I think you will have a job proving it and you will have to pay up.

sabretoothtigger

People so harsh. Best lesson is dont take a high limit card out with you when drinking

Think I'll note that one down myself, I dont see anything exceptional.

There are some cards that will limit spending to a few hundred, most often I hear this recommended for a hire car. In that case it stops them charging thousands without even asking because 'you hired it, you pay'

Ask on the forum what is the best low limit card, some of them have great cashback but I forget which.

This is a classic scam, theres dozens of these places in soho where a drink costs 20 and somehow you can end up buying the whole bar a round.

I dont know if you can appeal. I heard a case in China where a British businessman was charged several thousand pounds for his friends noodles. Think he won eventually

JakeGreen

electrified2011 wrote: »

I might speak to the licensing board as drunk people should by law be kicked out of bars and not get kept in and get ripped off. I hope to wake up from this nightmare very soon.

Drunk people getting kicked out of bars isn't going to solve the problem you're in right now.

I have often use my credit cards in restaurants and bars while intoxicated. I may regret it the next morning but at the time of the transaction I try to focus up and make sure I know the amount that I am authorising and never let my card out of my sight.

Unfortunately this is just another horror story that I've heard about strip clubs ripping people off.

Dogger69

Abbafan1972 wrote: »

It sounds to me like your drink was spiked, but I think you will have a job proving it and you will have to pay up.

Given that he can't remember going there, that would imply that, if anyone had spiked his drink, it happened before he even got there. Don't you think his friends would have noticed? And if his drink had been spiked, how did they get his pin number?

paulineb_2

Your mates dont really sound like mates if they let you get that drunk and spend a sum of money like that.

I dont actually know the PIN numbers to any of my credit cards and if I go out I take a debit card with me.

Im actually sorry for you in the respect that you go out on one night and end up with almost 5 grands worth of debt.

I dont know what else to say really, a bit stunned that someone could rack up a debt like that on a night out. My nights out cost me £10-20 tops.

paulineb_2

Ah, your mates left earlier on and left you to it.

merdoom

You don't have to have had your drink spiked to wake up with a blank mind, trust me....

Saying that, people are being pretty harsh, presumably in his (very) drunken state he had no idea how huge the bill was getting,
its not a nice situation and a very hard lesson learned for the op.

TeeKay10

Hi and ouch, what a night to remember!!! I've just had a thought that may or may not help your predicament.

I may be wrong but if you aren't a regular spender on that card as you said you weren't then surely the card issuer should have either blocked recurring (and expensive) transactions if they aren't a regular thing or at least tried to call you?
I know that 2 of mine (Virgin and Santander) will try to contact me if I have any irregular spending patterns and if they can't get hold of me then they put a temp hold on the card. (As I found out to my annoyance once, although I understand why they did it!)

It may help you in your defence? Good luck

matttye

electrified2011 wrote: »

JakeGreen - I don't remember making any transactions so I don't recall getting amounts. My finances were in the best shape for years and I was wanting to have a holiday this year but the dream is over. I might speak to the licensing board as drunk people should by law be kicked out of bars and not get kept in and get ripped off. I hope to wake up from this nightmare very soon.

YOU chose to go out.
YOU chose to drink.
YOU chose to take your credit card.

YOU are responsible. Noone else.

Sorry if this isn't very sympathetic, but it really riles me when people won't take responsibility for their own actions.