Visa debit card dispute lloyds bank not helping.

phone_angel

What redress do you have if you were introduced to a money making scheme that has now ceased. I have mentioned chargeback to the bank and yes they had not heard of it but are now looking into it.
If chargeback fails how else do you get your cash. Could you go to the person who signed you up?

[Deleted User]

i'd suggest that it all depends on what terms you signed up to.

I'd be surprised it is didn't say something along the lines of "should you ever realise that this is just a pyramid scheme with no hope of you making any money and will fold in the very near future, then that's not our problem".

Jupz

Hi there thought I would give an update, I have been away for a few weeks so I haven't been able to call the bank.

I have just called them and there is nothing they can do they say, the fraud department have made their decsion already and because the company had my details and address they decided to redebit my account.

I am so ******** stressed at the moment, I am feeling ill and am crying because this is just in my head 24/7.

The code of conduct states:

The Financial Services Authority's Banking Conduct of business states that a bank may only hold a customer liable … where the customer has acted fraudulently, or has "intentionally, or with gross negligence, failed to comply with his or her obligations ... to take all reasonable steps to keep its personalised security features safe.

Why isn't the bank following this, as someone has already mentioned, by the company in question having my card details and address details, that does not prove I authroized this transaction.

I am closing my account down with this ***** ******** bank when this is done. No wonder they are failing and having to close branches down. Unless pieces of ****.

I want compensation too, just spent two hours on the mobile phone at a rate of 15p a minute.

MPH80

So if you believe they are in the wrong - take them to the ombudsman. It's now your only course of action.

Request the bank provide you with the delivery and billing addresses, along with the result of any 3dsecure authentication and the IP address from which the order was placed.

The IP address (when reverse looked-up) will tell you the originating country (which you can then use to prove you weren't there).

Snowedunder

I have empathy with you - have just got into a similar 'state' whilst trying to deal with Lloyds - I have proof positive that they 'manouver' the facts to suit themselves.


I have, thankfully not suffered the same amount of loss as it would appear you have, but nonetheless it can get to you so that you feel really ill. May I suggest the following which always helps me: First get a pen and paper and take a deep breath, then write down in a list a sequence of events as they happened, this may help you shed some light on what happened, but will save you having to repeat yourself when trying to sort this out, there has to be a 'lightbulb' moment when it (may) become clear what has happened. I would also request, under the Data Protection Act, all paperwork from all sources related to this event, which, again may shed some light on what happened and what, hopefully the next step will be. Hope this helps.

patrick1

Always remember that banks, insurance companies, airlines and so on tend to reject most claims for as long as possible as many people lack the energy and/or confidence to keep chasing them.

Definitely follow the recommendations for gaining more information listed above. Make a formal complaint to Lloyds then a formal complaint to the ombudsman and write to a Money column in one of the national newspapers.

The IP address the person used for the transaction doesn't guarantee much as most criminals will be hiding their IP address using something like Tor Browser.

MPH80

patrick1 wrote: »

The IP address the person used for the transaction doesn't guarantee much as most criminals will be hiding their IP address using something like Tor Browser.

True - but given the 'exit point' for Tor - or even for most VPN services would probably not be in this country - it'd be easy to prove it wasn't in the UK and thus not you.

Even if the IP turned out to be a Tor exit or a VPN service - you could show you've no knowledge of those things.

It's more about proving a negative than proving a positive.

callum9999

MPH80 wrote: »

True - but given the 'exit point' for Tor - or even for most VPN services would probably not be in this country - it'd be easy to prove it wasn't in the UK and thus not you.

Even if the IP turned out to be a Tor exit or a VPN service - you could show you've no knowledge of those things.

It's more about proving a negative than proving a positive.

Not necessarily as you could just have ordered it from abroad, or given your details to someone else to order abroad.

Not that I really understand what's happened. Where was the parcel delivered to? The company that took the money should be able to tell you, and if you can demonstrate the address has nothing to do with you it will help your case.

Unless you're desperate for money there's no use letting yourself get ill and crying over it - you haven't exhausted the process yet and if you keep at it you should be able to get it back eventually.

boo_star

MPH80 wrote: »

True - but given the 'exit point' for Tor - or even for most VPN services would probably not be in this country - it'd be easy to prove it wasn't in the UK and thus not you.

Even if the IP turned out to be a Tor exit or a VPN service - you could show you've no knowledge of those things.

It's more about proving a negative than proving a positive.

Not really, otherwise everyone would just order goods using Tor as a proxy and claim fraud.

The OP needs to see the delivery confirmation.

bris

The problem you have is the companies saying they shipped you your address, fraudsters ship to an address they set up, not the card holders address for obvious reasons.


I can see why they have a problem with this, the goods are sent out and signed for by someone in the house at the time, it doesn't need to be the card holder.


Do you have any relatives that could be responsible, sometimes we need to look closer to home for the culprit.