Gambling Transaction Fee - Greyhound Tickets

chattychappy

glentoran99 wrote: »

M&S have been told by the merchant its a gambling transaction though, Not sure how you can blame M&S for acting on information provided by the merchant

Because it's their risk if they act on such information. Granted the system probably works most of the time, but when it fails it is the CC who is responsible to the cardholder.

If I buy a dodgy TV from Currys, then Currys are to blame. My contract is with them and I'm entitled to my money back. As a separate issue they can recover against their supplier of TVs - but that's no concern of mine.

glentoran99

chattychappy wrote: »

Because it's their risk if they act on such information. Granted the system probably works most of the time, but when it fails it is the CC who is responsible to the cardholder.

If I buy a dodgy TV from Currys, then Currys are to blame. My contract is with them and I'm entitled to my money back. As a separate issue they can recover against their supplier of TVs - but that's no concern of mine.

Using that analogy then its Ladbrokes to blame, op bought from them, they told the credit card company it was a gambling transaction.


That said id be surprised if M&S didn't reverse the charge as a goodwill gesture

chattychappy

glentoran99 wrote: »

Using that analogy then its Ladbrokes to blame, op bought from them, they told the credit card company it was a gambling transaction.

Nope. Ladbrokes sold the OP entry to the event. Anything wrong with the event, then indeed the OP can blame Ladbrokes.

Credit was supplied under the agreement the OP has with CC. Anything wrong with they way credit is supplied, then the OP can blame the CC who (perhaps) in turn can blame the merchants (or the network in between).

glentoran99 wrote: »

That said id be surprised if M&S didn't reverse the charge as a goodwill gesture

They must reverse the charge - nothing about "goodwill gesture" involved. The CC was not contractually entitled to levy it.