if trader charges credit card without me knowing or agreeing

ptaah

This act seems to me tantamount to theft. I can't find a statement online of the steps he must legally take before charging my card.

[Deleted User]

I think we're going to need a little bit more detail on this one.

SnowTiger

ptaah wrote: »

This act seems to me tantamount to theft. I can't find a statement online of the steps he must legally take before charging my card.

Sounds like an unauthorised transaction.

Report it to the card issuer and get a refund. Simple.

No need to search online for details. The less you know, the more innocent you appear. :rotfl:

However, I'm guessing there's more to this story than first appears. There usually is...

ptaah

Hotel gets my credit card details to take deposit. Fine. I left suddenly too early to pay; I agreed to pay bill on receipt by email or post. Hotel then charged my credit card behind my back and never provided a bill for me to check either by phone, email or post. The charge was £100 too high.

I believe this act of charging my card without my prior agreement is theft. There is nothing to stop any trader doing this, and then pleading mistake when caught out.

ptaah

ptaah wrote: »

Hotel gets my credit card details to take deposit. Fine. I left suddenly too early to pay; I agreed to pay bill on receipt by email or post. Hotel then charged my credit card behind my back and never provided a bill for me to check either by phone, email or post. The charge was £100 too high.

I believe this act of charging my card without my prior agreement is theft. There is nothing to stop any trader doing this, and then pleading mistake when caught out.

In the event, I did get my money back. My point is that this unauthorised credit card charge was theft. A criminal offence, but I would like to see the law stating that a trader must obtain agreement before charging a card. I searched without success.

Typhoon2000

Left without Paying? That the prime reasons why hotels require credit card detail or payment ahead of time. No doubt the booking terms you agreed to when you provided your credit card details?

cajef

Why do you think they wanted your credit card details, if you didn't want the card to be charged you should not have given them to them.

ptaah

cajef wrote: »

Why do you think they wanted your credit card details, if you didn't want the card to be charged you should not have given them to them.

please read what I wrote again.

ptaah

cajef wrote: »

Why do you think they wanted your credit card details, if you didn't want the card to be charged you should not have given them to them.

Typhoon2000 wrote: »

Left without Paying? That the prime reasons why hotels require credit card detail or payment ahead of time. No doubt the booking terms you agreed to when you provided your credit card details?

Please read again what I wrote

SnowTiger

ptaah wrote: »

Hotel gets my credit card details to take deposit. Fine. I left suddenly too early to pay; I agreed to pay bill on receipt by email or post. Hotel then charged my credit card behind my back and never provided a bill for me to check either by phone, email or post. The charge was £100 too high.

I believe this act of charging my card without my prior agreement is theft. There is nothing to stop any trader doing this, and then pleading mistake when caught out.

Ah, so not quite as you suggested.

It sounds more like an administrative mistake than thief. Credit and debit card holders in the UK are well protected against unauthorised transactions.

YorkshireBoy

You won't find anything online. Your recourse is through your card provider's chargeback route if the supplier has charged an incorrect amount. Because you did, at the time of making the booking, agree to pay all, as of yet unknown, monies due


Just out of interest, with whom and when did you 'agree' the "post me a receipt and I'll pay" arrangement?