Any legs to stand on?

macca9

Hi all,
I have a quandary regarding credit cards and fraud... namely I have an item, an unused wedding dress, which I placed for sale on a relevant website.
My wife received an email from a disabled Scottish lady, who wanted to purchase, but needed us to blah blah blah, we were scammed to the tune of £300 approximately.
Now.
To add a layer of protection (I didn't want to complete the transaction) I insisted my wife pay on credit card rather than cash. Which we did, basically a cash payment through western union to whoever it actually was. This was completed online.
The fraud has been reported, everything (including Paypal, who the thieves had mimicked) has been changed and the credit card company informed.
They investigated the matter, as we reported it as fraud. They have ruled that they are not liable to replace the money, as it was a cash transaction.
Does that sound right?
Should we go to the ombudsman?
Currently the wife has written this money off, but I'm not happy to do so.
Any imput will be gratefully received.

macca9

Sorry just realized it's in the wrong forum... whoops

Alter_ego

Why was your wife paying?

glentoran99

macca9 wrote: »

Hi all,
I have a quandary regarding credit cards and fraud... namely I have an item, an unused wedding dress, which I placed for sale on a relevant website.
My wife received an email from a disabled Scottish lady, who wanted to purchase, but needed us to blah blah blah, we were scammed to the tune of £300 approximately.
Now.
To add a layer of protection (I didn't want to complete the transaction) I insisted my wife pay on credit card rather than cash. Which we did, basically a cash payment through western union to whoever it actually was. This was completed online.
The fraud has been reported, everything (including Paypal, who the thieves had mimicked) has been changed and the credit card company informed.
They investigated the matter, as we reported it as fraud. They have ruled that they are not liable to replace the money, as it was a cash transaction.
Does that sound right?
Should we go to the ombudsman?
Currently the wife has written this money off, but I'm not happy to do so.
Any imput will be gratefully received.

as the above poster says why were you paying?

Afraid you have no comeback, you sent money via western union and have no recourse to the credit card, same as if you sent paypal it doesnt count as a credit card transaction

quidsy

Sorry your op is confusing, if you were selling why would your wife be paying via a credit card & western union.?

Voltaire7

macca9 wrote: »

My wife received an email from a disabled Scottish lady, who wanted to purchase, but needed us to blah blah blah

You decided to miss out the most important part. Presumably because you're embarrassed?

thebritishbloke

As you just said, you paid someone via Western Union via a cash transfer, which means it's handled as a cash transaction, and is not really covered by fraud protection if you permitted the original transfer. It's different if you had paid them by a CC purchase.

JakeGreen

This is bizarre but we need more information from the OP!

forgotmyname

Fictional writing class had a new project this week?