Embarrassing situation but can it be sorted?

opinions4u

TeeKay10 wrote: »

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?

The OP stated:

"I am being absolutely truthful by saying that in my life I have done this (strip club) two maybe three times"

As a credit card user I don't want my transactions being blocked at places I've shopped before. If it's fraud I can claim it back. If it's reckless and drunken behaviour on my part, tough.

I don't see why the card issuer's shareholders or customers should subsidise the cost of this.

Blaming the card company for getting inebriated and dishing out a PIN number for somebody to wiggle their bits in your face shows a total lack of personal responsibility.

withabix

electrified2011 wrote: »

I don't have £5000 lying around.

That's what credit cards are for...:D

fewcloudy

Hi electrified2011

Sorry to hear of your plight. In amongst some rather judgemental replies, I think you have received some help, but I'm not sure you can expect this bill to be written off.

However, one thing you could do to help yourself immediately would be to apply for a new credit card with whichever bank is offering the longest period of 0% interest over the longest time. Transfer the £5000 balance over now, and pay no interest at all on it. Doing this will save you hundreds of pounds over the years.

http://www.moneysavingexpert.com/credit-cards/balance-transfer-credit-cards

This will mean that although you will pay a set amount each month, say £100, it will all come off the balance of £5000. If you want or can afford to pay more each month then great and you will clear the balance quicker.

As you approach the end of the 0% interest period, you apply for a different 0% interest card with a different bank and transfer the remaining balance to that card.

Regards

fc

paulwellerfan

yeah i remember ready nearly the same thread last year.

meer53

poet123 wrote: »

I am sure this post has been on here before, or in the news, if not on here. It is a scam...I would contact the police and ask for their advice. I definitely remember reading this before.

It's not a scam, the transactions were PIN verified. As the OP says he can't remember anything about his time at the club, he should write it off to experience. In the course of my work, i've heard this story numerous times. It's a drunk man, in a strip club, with a credit card and naked women. Where's the scam ?

michaels

Could the OP have been less than secure about covering his fingers when entering the pin and then the card been used by others who had observed the pin (perhaps even on cctv) whilst he was un/semi conscious? No idea how he would go about proving this of course.

Practically might it be worth suggesting a 50% settlement with the club on the proviso that otherwise he will make it a police/card fraud/trading standards matter as I suspect the club would rather avoid investigations as too many mught put their license at risk?

pearl123

electrified2011 wrote: »

I have done this (strip club) two maybe three times and I would possibly have spent £100 in total, its not my thing.

It's not your thing yet you been two to three times and spend £100 in total. If it's not your thing you don't go!
If you get so drunk anywhere you face the consquences. That's life!
I doubt that your drink was spiked. Speak to the Police if you feel you were taken advantage of, although I can't see you getting anywhere unless they've had other complaints.
Maybe, leave your credit cards at home in future!
Live and learn

gazzak_2

pearl123 wrote: »

It's not your thing yet you been two to three times and spend £100 in total. If it's not your thing you don't go!
If you get so drunk anywhere you face the consquences. That's life!
I doubt that your drink was spiked. Speak to the Police if you feel you were taken advantage of, although I can't see you getting anywhere unless they've had other complaints.
Maybe, leave your credit cards at home in future!
Live and learn

Mumsnet out in full force I see.

Don't care how drunk you were O.P., £5000 is too much for a strip club. Get the transaction details, how many, how much each time, and more importantly get information from the club about what EXACTLY they were for.

I'd say it's highly likely you were scammed, and it doesn't matter if you were drunk, if you were a victim of crime then you deserve to be refunded in full.

You need to start investigating and today.

Voyager2002

Take legal advice: if this case were to end up in court (small claims track) the judge would apply a 'value for money' test and could reduce your payment to a reasonable amount for the services received. An avenue worth exploring.

matttye

gazzak wrote: »

Mumsnet out in full force I see.

Don't care how drunk you were O.P., £5000 is too much for a strip club. Get the transaction details, how many, how much each time, and more importantly get information from the club about what EXACTLY they were for.

I'd say it's highly likely you were scammed, and it doesn't matter if you were drunk, if you were a victim of crime then you deserve to be refunded in full.

You need to start investigating and today.

Highly likely he was scammed based on what evidence?

All of the transactions were pin verified. The OP said he was very drunk and can't remember anything about the evening. How can you possibly come to the conclusion he was scammed when he can't remember anything?

It's very irresponsible to get into the sort of state where you wouldn't recognise a scam in the first place.