Bizarrre situation

Stevio_2

Well I used the card mainly for ISP and hosting, so they were automated transactions every month. There were a few purchases at the likes of Amazon and Play.com, etc, but my use had lately been decreasing by using other payment methods.

My mother gave me the card to use. Although with the likes of Amazon, Play.com, etc, they store your card details, so the information was added ages ago.

I gave my mother the money to pay off whatever I had spent when the statement came.

Well the transactions with William Hill, Google and the other one are in my name but not made by me, therefore they can only be fraudulent.

knowledgeman

Stevio wrote: »

Well I used the card mainly for ISP and hosting, so they were automated transactions every month. There were a few purchases at the likes of Amazon and Play.com, etc, but my use had lately been decreasing by using other payment methods.

My mother gave me the card to use. Although with the likes of Amazon, Play.com, etc, they store your card details, so the information was added ages ago.

I gave my mother the money to pay off whatever I had spent when the statement came.

Well the transactions with William Hill, Google and the other one are in my name but not made by me, therefore they can only be fraudulent.

Then your mother has clearly breached the agreement with the bank by not only telling you all the information but giving you the card

Good luck in recovering the funds but Id suggest the sticking point is that google are attributing the purchases to you

If you could show it was nothing to do with your mothers breach you might get somewere but the fact google are basically saying it is you whose done them is the reason your probably being held liable

tincat

Stevio wrote: »

Thanks for the replies!
An odd development is that Google appear to have assigned the Adwords account to my Google account, even though I didn't open it. I found this out after getting an e-mail from them with the subject: "How did we do?"

As I'm a bit concerned that my own account could be compromised, I've changed the password on the Adwords account. I haven't entered the Adwords account though, even though I'm curious to see if there's any funds left, plus I wouldn't mind knowing what they spent advertising on.

Hi - this is weird, because I have two client accounts linked with google adwords. Linked client accounts are all accessed from the same password. Once you go through the log in details, all the linked accounts are shown for you to choose the one you want to work with.

So if the 'illegal' account has been linked to your legitimate one, and if it really wasn't you, then someone has full access to your computer and all your passwords. You should then close your account and open a new one. And check your computer for trojan horses.

You shouldn't ignore what's happening, but should go into your google account to pause/stop the ads that aren't yours, and if I were you I'd be screaming blue murder to google.

If someone has accessed your account and mothers cc, this is a serious problem, and please let us know how you get on, and don't read the next paragraph!

Now this is going to sound really, really mean and I don't mean it to. If it was you, and you are trying to find a way to assign blame to an anonymous entity and looking for a way to escape the consequences, please don't do it. You will be digging yourself a very big hole, and you will lose something far more valuable in the long run, the trust of your mother, and anyone else who has been told about this. Take the rap, and beg your mother's forgiveness, and earn the money to pay her back.

Stevio_2

tincat, I've changed my Google password, so unless this person has access to my e-mail account, then they shouldn't be able to get back into Adwords or my Google account.

As for me being the actual cause for the charges, well if it was me I would just have paid them. But I'm kind of tight with money, so gambling isn't something I'd do, and as my mother pointed out, I don't even do the lottery (as I think it's a mug's game!) As for the Adwords advertising, it could be something I'd do in the future, but I'd rather get traffic for free via search engines.

I've run all the tests at pcflank.com and everything appears to be fine, which makes me think that the 'leak' happened at the registrar website where I used the card. Their servers appear to be in Serbia & Montenegro of all places! I still don't know whether to contact them and make them aware of what happened, as if there is a leak or someone there has been mis-using client details, then it should be brought to their attention. Of course, I don't have any proof though.

I'd also like to know if anyone else has suffered when using Halifax Secure. How secure exactly is it?

Stevio_2

Update
We sent a letter to Halifax detailing our grievance as well as asking many questions.

A day later we sent them another letter after Google confirmed that the Adwords account wasn't mine.

We've received a response from Halifax today and they have confirmed the Google Adwords charge as 'fraud' and we won't have to pay that.

Halifax however are still saying the two other charges are ours down to the fact that I made a transaction with the credit card.

Halifax did not answer any questions asked in the aforementioned letter.

I still haven't got anywhere with William Hill Online. Despite making a complaint to William Hill Online and requesting that they investigate they refuse to do so. They simply say contact the Police with the incident number. Of course we don't have the latter as Halifax haven't supplied it.

I've had no communication from the US based eupaycom.net. I was pondering whether to contact a local Police department to eupaycom.net and make a complaint.

Other than that this is still on-going and we are refusing to pay.

Thanks again to everyone for their help.

Iamthesmartestmanalive

Stevio wrote: »

Update
We sent a letter to Halifax detailing our grievance as well as asking many questions.

A day later we sent them another letter after Google confirmed that the Adwords account wasn't mine.

We've received a response from Halifax today and they have confirmed the Google Adwords charge as 'fraud' and we won't have to pay that.

Halifax however are still saying the two other charges are ours down to the fact that I made a transaction with the credit card.

Halifax did not answer any questions asked in the aforementioned letter.

I still haven't got anywhere with William Hill Online. Despite making a complaint to William Hill Online and requesting that they investigate they refuse to do so. They simply say contact the Police with the incident number. Of course we don't have the latter as Halifax haven't supplied it.

I've had no communication from the US based eupaycom.net. I was pondering whether to contact a local Police department to eupaycom.net and make a complaint.

Other than that this is still on-going and we are refusing to pay.

Thanks again to everyone for their help.

You do realise your continous use of the word "we" is likely to make it worse

This is your mothers account, you shouldnt know anything about it and your continous dealings with it and the like is just backing their view that your mothers in breach of the terms and has acted grossly neglient

Stevio_2

Correction: My mother sent the letters to Halifax, not I.

I have been sending the e-mails, as the accounts were in my name, and let's face it, if I hadn't 'we' wouldn't have got very far.

Iamthesmartestmanalive

Stevio wrote: »

Correction: My mother sent the letters to Halifax, not I.

I have been sending the e-mails, as the accounts were in my name, and let's face it, if I hadn't 'we' wouldn't have got very far.

Tbh your risking making the issues worse, do not engage in any contact with these so called fraudulent merchants relating to fraudulent transactions

These companies now have far more info than they had to defend chargebacks etc now as they have your computer details etc,

You should leave this solely for your mother to deal with and stop getting involved as you will make it worse

Tell your mother to follow the complete Hbos complaints procedure and you need to stop doing it for her.

Its her account, her complaint and her who needs to sort it out, you claiming to be your mother etc in letters will just make the claims seem more likely

If the facts you are giving are correct there is no reason to hold her liable but if you keep getting involved there may be a more convincing case for breach of contract.

Id suggest your mother sends a letter addressed to the customer relations address at viking way rosyth, stating she did not make these transactions and they are fraudulent, state she did make completely unrelated seperate transactions on your behalf but did not breach the agreement as she did it not you and any notes to the contrary are due to a misunderstanding, also finish by stating she will forward the complaint to the ombudsman if she doesnt receive a timely response ( say 14 days).

If she does that they have zero reason to hold her liable based on what you've said and Id be confident they override the decision

Stevio_2

I'd just like to update this thread. Basically Halifax have written off all the transactions as fraud, that includes charges.


I'd like to give a big thank you to everyone for your help or comments!

We're currently considering whether to claim compensation, as obviously Halifax's behaviour was very much out of order!