Strip club scam

Burnz0

if you'd actually read what I said you will see I never said that happened, simply that the club should be able to provide evidence and in this case they can't.
if the times on the cctv camera don't tally up then that leaves it open that someone else could have used my card? i'm not saying that's what's happened but my bank and cc company owe me a duty of care to investigate don't they and so as soon as the club can't provide the cctv evidence they drop themselves in it don't they?
It's quite possible, I keyed in my pin for an amount (maybe not on the actual pin entering screen), the barman saw the pin on screen, redid the transaction for a different amount etc etc - hence the reason the times on the cctv don't line up with the transaction. Again, im not saying that happened but that is reason enough to dispute the transaction at which point the club have to prove it was genuine


And with regards to: the venue would still have been happy to charge a little less if it meant getting some of your money.
The words of the manager "As far as the difference in charges we are not privy your negotiations with the dancers, the dancers advise the bar person of the the price you agreed the dancers then withdraw so you can conclude the transaction "
Therefore, the venue have no right to charge me a "little less" unless it has been agreed with the dancer, which given the 1 minute gap between transactions and the fact that the dancer has withdrawn seems unlikely doesn't it?
I completely appreciate you saying that if I entered it, take responsibility for not checking etc etc but my point is that once I go down the route of disputing (whether you agree with that or not) it the bank owes me a duty of care to investigate. The email from the manager and the cctv times are then surely sufficient to raise enough doubt about the situation for the bank to claim my money back. The fact that the club probably shouldn't even be accepting payments on behalf of the dancers as it probably violates their agreement with visa and mastercard should also help me

derps

What about your duty of care to the bank to look after your card and PIN?

derps

Oh sorry I forgot that you've already decided that this must be someone else's fault, never mind.

Armorica

The bank probably thinks, on balance of evidence of how customers usually behave in a strip club in the middle of the night, that all of the evidence will support the club, and not you.

The CCTV is far more likely to simply be the time set wrong, and would show you entering the pin multiple times.

(Incidentally, the club won't have an agreement with visa or mastercard, the agreement will be with the acquirer e.g. worldpay or something like that. The club you say it is has been around for years, you're not the first guy who got drunk and carried away and regretted it the morning after)

The population who don't 'drink and pin' don't want to have to absorb the costs of your drunkeness through increased bank charges.

Burnz0

I'm not quite sure why you are so against the idea that I could have been scammed here - whether that was through someone using my card, something dodgy going on with the card machine and till or at best someone has taken advantage of the fact that I was so drunk to notice the amount going through the machine. I'm fairly sure being drunk doesn't invalidate your rights not to be taken advantage of - I can think of other situations where you'd certainly agree with that. On that note, they're probably breaching their licensing terms etc etc or the contract is invalid if the person didn't;t even know what they were agreeing to - "condition to contract"


Factoring is the term I found on the internet and without knowing the exact agreement the club and dancers have its all guesswork

Barny1979

If you were so drunk that you cannot be sure what you were doing with your card and pin number, you are lucky you weren't done for being drunk and incapable by the police.

Burnz0

the bank might think on the balance of probabilities it is fairly well know that people get scammed in these types of club and this club in particular was closed down for illegal activity not so long ago, therefore it is quite possible they were behaving illegally in this case
I guess it all comes down to how much investigation the bank actually do

Burnz0

Barny1979 wrote: »

If you were so drunk that you cannot be sure what you were doing with your card and pin number, you are lucky you weren't done for being drunk and incapable by the police.

I'm not familiar with that as being a crime? Please show me where you got that idea from

Burnz0

apologies, I'd never heard of that before... but, if that did happen i'd get my money back easily as it would be evidence to prove I was in no condition to contract!

derps

Burnz0 wrote: »

if the person didn't;t even know what they were agreeing to - "condition to contract"

Do you mean capacity, as in lacking the mental capacity to contract, not "condition"? Please don't just say random words when claiming to make a legal argument.

I would say that if you managed to remember and enter your PIN, you were surely capable of reading the numbers on the screen just above the numbers on the buttons.