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Victim of credit card fraud in Spain
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I will give you the benefit of the doubt and assume this was not a hostess bar or similar type of establishment.
These rounded amounts in £ are odd. You would surely have been told an amount in Euros and would have paid in Euros? It almost defies belief that genuine foreign currency transactions would come out at exactly £1000 and exactly £500.
Were you given a receipt for the transaction? If not, why not?
Did you not look at the amount on the terminal before authorising with your PIN?
IF the place was a respectable sort of place, have you considered returning and discussing the matter with the management? They may be quite displeased if this was the action of an individual staff member.
If you are still in Spain, have you been to the police. The degree of interest shown by the police may vary, but if this is a tourist resort the police generally do not like tourists being ripped off in this way (it gives the country/town a bad reputation) so they may agree to investigate. Even if they do not investigate, you will have a police report/crime reference number (whatever is given in Spain when crimes are reported) which will be of considerable assistance in trying to get this amount refunded.
You should immediately dispute the transaction on the grounds that the amount debited to the card is not the amount that you authorised. This may of course be difficult to prove but if the bank are aware of an attempted fraud in respect of the second transaction they may be more inclined to believe you in respect of the first.
Another thing that may help is if the amount debited is disproportionate to what you could have reasonably spent in the establishment concerned. For example, if McDonalds debited my card with £5000 for a meal, then it would be easy to convince the bank that something was wrong. By contrast, if it was a top restaurant which serves bottles of wine individually costing more than that, the amount of the charge would be credible.0
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