Trouble Abroad - £7,000 of it!

Steve5791624

I travelled to Poland this weekend for a friends stag do - at the end of the first night, I paid our bar bill with my debit card and thought nothing else of it. There had been a few.

The next day I casually looked through the receipts before hitting the last two and how many zeros were on the tabs....more, is the short answer. Essentially for the last two as we left they had added an extra zero, making the total cost just under £7k.

I called Natwest and explained the situation. They assured me everything would be fine and just to speak to the dispute team on my return and that they would never take that out of my account. Needless to say, I was pretty shocked they didn't put a hold on my account, which in the past they have done for £100.

None of this was true. On calling the dispute team they merely said that due to it being signed off by chip & pin they couldn't dispute anything. So my account has been completely cleared out and despite the fact that I was clearly misled they don't want anything to do with it.

Yes, I'm definitely stupid for not noticing before I put in my pin but surely there's something they can do to help??

wealdroam

Steve5791624 wrote: »

I travelled to Poland this weekend for a friends stag do - at the end of the first night, I paid our bar bill with my debit card and thought nothing else of it. There had been a few.

The next day I casually looked through the receipts before hitting the last two and how many zeros were on the tabs....more, is the short answer. Essentially for the last two as we left they had added an extra zero, making the total cost just under £7k.

I called Natwest and explained the situation. They assured me everything would be fine and just to speak to the dispute team on my return and that they would never take that out of my account. Needless to say, I was pretty shocked they didn't put a hold on my account, which in the past they have done for £100.

None of this was true. On calling the dispute team they merely said that due to it being signed off by chip & pin they couldn't dispute anything. So my account has been completely cleared out and despite the fact that I was clearly misled they don't want anything to do with it.

Yes, I'm definitely stupid for not noticing before I put in my pin but surely there's something they can do to help??

None of this was true???

So you didn't go to Poland.

Phew! I bet you're pleased it was all a dream.


Seriously, if you want anyone to believe you, stick to the facts.

LilElvis

Do you have the bar receipts as well as the payment ones? Without them you are going to struggle to prove you have overpaid.

megaginge

wealdroam wrote: »

None of this was true???

So you didn't go to Poland.

Phew! I bet you're pleased it was all a dream.


Seriously, if you want anyone to believe you, stick to the facts.

First poster needs advice, there's no need for you to respond to the guy like that?

pappa_golf

Steve5791624 wrote: »

The next day I casually looked through the receipts before hitting the last two and how many zeros were on the tabs....more, is the short answer. Essentially for the last two as we left they had added an extra zero, making the total cost just under £7k.

ok , so the last 2 invoices had had an extra 0 added to them


so £50 was £500 , £100 was £1000


and you expect us to believe a night out was £7k inc two cockups ?

susancs

OP, is that in Polish currency as opposed to pounds sterling? It would be unusual for the bar in Poland to give you a receipt in pounds I woudl ahve thought.

Silver-Surfer_2

Wow 38,500 zloty for a night out.

unholyangel

If your bank are refusing, refer the complaint to the financial ombudsman.

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/78/78-claiming-back-payments.html

Read case 78/04 from the above link or case 64/01 from the below link:
http://www.financial-ombudsman.org.uk/publications/ombudsman-news/64/64-banking_cases.html

wealdroam

unholyangel wrote: »

If your bank are refusing, refer the complaint to the financial ombudsman.

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/78/78-claiming-back-payments.html

Read case 78/04 from the above link or case 64/01 from the below link:
http://www.financial-ombudsman.org.uk/publications/ombudsman-news/64/64-banking_cases.html

Yes, those are certainly two good examples that may well help the OP.

In both those examples the complainant had been able to demonstrate, by showing receipts, that the amount charged to the card was wrong.

If the OP can provide similar evidence, then a chargeback may well succeed.

OP, have a read of MSE's Chargeback article and contact your bank again insisting on a chargeback.

Amongst the other good stuff in that article you will see:

It's worth noting most bank staff don't really know about this procedure, so you may need to explain it to them.

You may need to be forceful.

A chargeback time limit is usually 120 days.

unholyangel

wealdroam wrote: »

Yes, those are certainly two good examples that may well help the OP.

In both those examples the complainant had been able to demonstrate, by showing receipts, that the amount charged to the card was wrong.

If the OP can provide similar evidence, then a chargeback may well succeed.

OP, have a read of MSE's Chargeback article and contact your bank again insisting on a chargeback.

A chargeback time limit is usually 120 days.

I think you need to read those examples again

The bank pointed out that the receipt, which had been printed from the card terminal in the shop, was for 2,400 euros. Ms K admitted that she had not noticed this - either at the time or subsequently. However, she insisted the goods she bought had totalled only 240 euros.

arcon5

wealdroam wrote: »

None of this was true???

So you didn't go to Poland.

Phew! I bet you're pleased it was all a dream.


Seriously, if you want anyone to believe you, stick to the facts.

As in none of what the bank told him turned out to be true. IE they told him they wouldn't take that sum from his account and to deal with it when he gets back - which turns out they actually would let the sum be debited despite what they've told him