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Unauthorised transaction. What do I do ?
dblue75
Posts: 668 Forumite
A company I had a run in with due to receiving items for free when I went to pay for them on their website (no codes or vouchers used) paid what their site told me (had also purchased other items).
Cut a long story short, they had honoured that contract, I paid for items and also received the free items. Turned out to be a glitch on their site and they wanted pymt for it. ( CAB and Trading Standards stated there was nothing incorrect done and by the company sending items ) contract honoured.
Fast forward...They have now taken money from my account (unauthorised) Where do I stand ?
As....They must have held onto my card details inc 3 digit security code.
And..I have no O/S bill ( have it in black and white all items to pay for and paid)
Who do I speak to ? The bank ? trading standards ???
Cut a long story short, they had honoured that contract, I paid for items and also received the free items. Turned out to be a glitch on their site and they wanted pymt for it. ( CAB and Trading Standards stated there was nothing incorrect done and by the company sending items ) contract honoured.
Fast forward...They have now taken money from my account (unauthorised) Where do I stand ?
As....They must have held onto my card details inc 3 digit security code.
And..I have no O/S bill ( have it in black and white all items to pay for and paid)
Who do I speak to ? The bank ? trading standards ???
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Comments
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Contact your bank and advise them that there has been an unauthorised transaction on your account -ask for them to do a chargeback.
Also tell the bank that if the trader has set up a continuous payment authority for your account that you want it cancelled as you didn't consent to it.Common sense?...There's nothing common about sense!0 -
Edit, reading it wrong.
I see what happened now, you took advantage of a mistake and the contract was completed and you got items that were mistakenly priced free.
Legally the contract is complete but because they still had the last 3 digits a charge back will fail because you gave them the details.
You can try the bank but it looks like it may very well be a civil matter for the smalls claims court.
Tbh you got what you deserved, it may be a money saving site but it's not a take advantage of other peoples mistakes site.0 -
This seems to be the continuation of this saga:0
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Regardless...A CPA was never authorised or mentioned and an unauthorised pymt has been taken. I am simply seeking info on what to do next ?0
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Ah, this one. Oh well.One important thing to remember is that when you get to the end of this sentence, you'll realise it's just my sig.0
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halibut2209 wrote: »Ah, this one. Oh well.
Oh here's my favourite stalker again lol.0 -
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