Any leg 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 input will be gratefully received.

andyfromotley

well it can't harm can it?

Sadly your case had all the traditional marks of an ebay scam. Scotland, disabled, western union. Bad luck mate, just spread the words to others.

InsideInsurance

You start off with an item to sell and now say you were paying for it?

S75 protection is only between the account holder and the person they pay. The issue with the likes of PayPal and co is that they are middlemen. You technically pay them to give the money to the other party and as such your protection is only about if they perform their duty or not and not if the end seller performs theirs.

That said, a chargeback would potentially still be an option but some banks can be a pain in getting them to agree to do one (not to name and shame Barclays again).

Paully232000

You were selling the item, but you paid money to this 'disabled scottish lady'. Why?

If I am reading it right, you paid western union with your CC, and then gave this person the code? If so then i cant see how the CC company are liable but you can always try, but i wouldnt hold out much hope of getting it back.

PeacefulWaters

Not a chance.

thebritishbloke

Paully232000 wrote: »

You were selling the item, but you paid money to this 'disabled scottish lady'. Why?

If I am reading it right, you paid western union with your CC, and then gave this person the code? If so then i cant see how the CC company are liable but you can always try, but i wouldnt hold out much hope of getting it back.

I think all these Nigerian princes have since moved to Scotland.

forgotmyname

I thought i misread this also. Your selling an item and you paid by credit card?

What did you pay for?

Using a card for a 3rd party money transfer service like paypal and especially western union is usually not covered.

Whenever someone mentions a disability or illness or religion i click into its a conman/women or some form of scam.

glentoran99

I often wondered why they bother with these scams as as soon as someone mentions giving them money when you are selling it screams scam as i cant ever see a legitimate reason for doing so, but it seems they do have success

I dragged one of these out before and sent them fake westurn union stuff (a post it with stuff scribbled on) and they were threatening me with all sorts

[Deleted User]

The confusion here is the OP says they "blah blah blah"'d.

We need to know the details of what exactly "blah blah blah" entails.

stator

glentoran99 wrote: »

I often wondered why they bother with these scams as as soon as someone mentions giving them money when you are selling it screams scam as i cant ever see a legitimate reason for doing so, but it seems they do have success

I dragged one of these out before and sent them fake westurn union stuff (a post it with stuff scribbled on) and they were threatening me with all sorts

Come here to gloat about how clever you are for not falling for this scam?

Paully232000

billbennett wrote: »

The confusion here is the OP says they "blah blah blah"'d.

We need to know the details of what exactly "blah blah blah" entails.

I am glad it is not just me that is confused, it is that and the mention of WU, paypal, payment whilst selling that has me confused.