Lloyds TSB MasterCard

hammerboy2

Just wondering if TSB are taking the mickey

I have a transaction on my TSB MasterCard that I did not make for £279.12 made to E on energy solutions. so i called TSB mastercard and put it into dispute, I was told I would need to fill in a form which I would receive in 10days, this never arrived until I called again, i was told it was a computer error the form wasn't sent out

On both occasion I was never told that I would need to contact the company who the payment was made to

The form finally arrives and states that I have to contact the company to resolve the dispute

Shouldn't the TSB be the ones contacting this company, and not getting me to do their work for them

vns

hammerboy2 wrote: »

Just wondering if TSB are taking the mickey

I have a transaction on my TSB MasterCard that I did not make for £279.12 made to E on energy solutions. so i called TSB mastercard and put it into dispute, I was told I would need to fill in a form which I would receive in 10days, this never arrived until I called again, i was told it was a computer error the form wasn't sent out

On both occasion I was never told that I would need to contact the company who the payment was made to

The form finally arrives and states that I have to contact the company to resolve the dispute

Shouldn't the TSB be the ones contacting this company, and not getting me to do their work for them

Think of it like this, who cares more about _your_ credit score, Lloyds or you?

I wouldn't worry about if they should be doing this, I'd worry more about the potential fraud. Contact the counter party to make sure it is fraud, then let Lloyds take over.

jonesMUFCforever

I agree with you OP - if you did not authorise the payment and nothing to do with you then why should you have to get in touch with this company?

FireMS

Your right TSB should contact them ask to speak to a manager.

[Deleted User]

jonesMUFCforever wrote: »

I agree with you OP - if you did not authorise the payment and nothing to do with you then why should you have to get in touch with this company?

Did they EXPLICITLY say not to contact E.on of did they say you shouldn't have to. I know when i had a issue with my card yesterday, they said i didn't need to do any more as there fraud department would deal with it, but i could contact the other party involved to expedite things. I did and it was resolved within 24 hours for me.

As has been said, it's not going to affect Lloyds, its the OP's credit ratings that will get damaged not lloyds.

If you knew where the transaction was made, why didn't you phone Lloyds and then E.On straight away.

The fact you waited for the paperwork to be sent out is surprising to me. I would have been straight onto the phone to E.On to inform them that they have made a fraudulent transaction on your card, your card issuer has been notified and go from there whilst you wait for the paperwork.

FireMS

newbieboy wrote: »

Because its your card and your T&C's will say that you should take care of your details.

As has been said, it's not going to affect Lloyds, its the OP's credit ratings that will get damaged not lloyds.

If you knew where the transaction was made, why didn't you phone Lloyds and then E.On straight away.

The fact you waited for the paperwork to be sent out is surprising to me. I would have been straight onto the phone to E.On to inform them that they have made a fraudulent transaction on your card, your card issuer has been notified and go from there whilst you wait for the paperwork.

So your telling me if one of your family members get killed is the police going to tell you you have to go investigate yourself he/she is in your family not ours...?
A fraud took place on his account and as far as i know TSB should investigate it not himself...

chattychappy

The fraud (if it is that) is on the CC. It is their money. They chose to authorise the transaction, releasing funds without your authority. It might be some kind of systems failure/mistake rather than fraud. Either way, it is a matter between the CC and the network/merchant.

Of course to avoid looking like a lemon, you do need to be sure it wasn't one of yours before denying knowledge.

So you are right, OP. You don't recognise the transaction so you need to go no further than that. No harm in filling in the forms they give you insofar as they are reasonable. But it is unreasonable to expect you to contact the merchant.

The only situation where I would get involved with the merchant would be if the merchant was somebody with whom I had previous regular dealings and a good relationship. In this situation I might approach them first to see if there was some kind of honest mistake which could be cleared up amicably.

[Deleted User]

FireMS wrote: »

So your telling me if one of your family members get killed is the police going to tell you you have to go investigate yourself he/she is in your family not ours...?
A fraud took place on his account and as far as i know TSB should investigate it not himself...

No, because that is a ridiculous jump..

Fraud MAY have taken place, but none of us truly know the circumstances. The Op MAY have had his PIN written down with his card and someone has seen it when they had his card for a transaction. It MAY have been swiped twice during a transaction, it may be a family member, there are many options it could be. It could be he has forgotten something or has moved from E.On and didn't pay a bill.

The fact of the matter is he doesn't HAVE to do anything. But why wouldn't you want to help yourself and get it done quicker.

Lloyds could wait 10 days before the bits gets to you, you could phone up and get it done the same day. If you had the chance to help yourself for all of 5 minutes work why wouldn't you?

I didn't have to phone up when i had a bad transaction on my card, i was told it would take 10 days to process, i phoned up the other company and the following morning it was back in my account.