Card used 300 miles away and Sainsburys say tough

dontgetcrossgeteven

Has anyone had this problem? My credit card was used 300 miles from where I live in a 'legitimate chip and pin transaction' and Sainsburys Credit Card fraud department have basically said tough. Your card, your pin.

I used my card twice that day and its on the statement, clearly showing I was in my home town so what can I do? I have stopped the cards and the new cards. I have made a complaint about the way I was treated on the phone, it was flippant and uncaring. So now what? the complaints dept will evidently ring me tomorrow but thats just a complaint, I dont want to have to fork out for someones shopping 300 miles away !!

Any advice please? Sainsburys not-politely suggested I contact ASDA where the card was used but what will that do? Do I have any rights?

I am reading this back and its as bizarre as it reads !!

wealdroam

Firstly, I would suggest you might get a more informed answer on the Credit Cards board.

flashg67

http://www.actionfraud.police.uk/fraud-az-credit-card-fraud

vaio

do you have the times of the transactions?

Slowhand

vaio wrote: »

do you have the times of the transactions?

Maybe...it's being discussed on credit card forum. Mistake or maybe an old transaction is a possible.

Handsome90

Payment Services Regulations (2009) clearly highlight that the use of a card and the relevant correct pin is not evidence of complicit fraud or gross negligence. Instead, banks must thoroughly investigate each case of alleged chip-and-pin fraud to clear the customer of guilt. They must be prepared to hand over evidence of alleged gross negligence or fraud to the customer. However, banks take the easy route and fob off customers.

I suggest that you make a complaint (in writing) and wait for their response. If it's not satisfactory then take your complaint to the ombudsman (I think it's called FCA now).

arcon5

In the meantime though you need to figure out how they obtained your pin and ensure it doesn't happen again.

Have you recently changed address?
Is the address the CC company have on file correct?
Are you still receiving your post as normal? If not check for any fraudulent redirections with RM.

Hintza

dontgetcrossgeteven wrote: »

I have stopped the cards and the new cards.

OP is there amy relevance in this part? Why were you getting new cards? Was this before or after the transaction?

My thought is, what if another card is floating around?

The other thing is to look closer to home eg family (not a nice thought but...)