Disputing payments

meer53

You've already confirmed to the bank that you use this retailer, why would they look into these new transactions as fraud ? Something doesnt add up.

Hellzapoppin

discat11 wrote: »

A cpa is the result of a contract however, even if the OP doesn't remember making one.
Hence Chargebacks may be appropriate

You can't invoke a chargeback by saying 'service provider X is in breach of contract and therefore I want my money back.' You have to explain to your bank what you were due to receive and when you were meant to receive it. The OP isn't going to be able to do this, if they don't recall making the payment.

Shakin_Steve

Are you sure the company that your bank took the money back from (because you told them to, even though they were genuine) aren't just taking the payments owed?

jonesMUFCforever

It's International week isn't it?
What are those pesky DANISH dolls with spiky hair called??

eddddy

Hellzapoppin wrote: »

You can't invoke a chargeback by saying 'service provider X is in breach of contract and therefore I want my money back.' You have to explain to your bank what you were due to receive and when you were meant to receive it. The OP isn't going to be able to do this, if they don't recall making the payment.

No - that's coming from the wrong angle.

The contract is likely to be more along these lines:

"We [the supplier] will set up a CPA. Whenever you request our goods/services we will take payment from your debit card under the CPA."

So the OP would say to their bank:

"The supplier breached the contract because they took a payment from my debit card when I hadn't requested any goods/services from them. Therefore, I require a chargeback."


(Obviously, that's a generic example, as the OP hasn't provided any details.)

discat11

Hellzapoppin wrote: »

You can't invoke a chargeback by saying 'service provider X is in breach of contract and therefore I want my money back.' You have to explain to your bank what you were due to receive and when you were meant to receive it. The OP isn't going to be able to do this, if they don't recall making the payment.

Of course they can.
A CB can be invoked for 2 main reasons, the one you've described and an 'unauthorised transaction'.

If the OP doesn't remember ever authorising any transaction then it follows all transactions could be classified as unauthorised.

le_loup

Yes, you're right.
I bought something from John Lewis last night and they gave me a glass of bubbly to celebrate Christmas. I bought lots of stuff but this morning I can't remember what. Can I please have a chargeback?

Hellzapoppin

eddddy wrote: »

No - that's coming from the wrong angle.

The contract is likely to be more along these lines:

"We [the supplier] will set up a CPA. Whenever you request our goods/services we will take payment from your debit card under the CPA."

So the OP would say to their bank:

"The supplier breached the contract because they took a payment from my debit card when I hadn't requested any goods/services from them. Therefore, I require a chargeback."


(Obviously, that's a generic example, as the OP hasn't provided any details.)

discat11 wrote: »

Of course they can.
A CB can be invoked for 2 main reasons, the one you've described and an 'unauthorised transaction'.

If the OP doesn't remember ever authorising any transaction then it follows all transactions could be classified as unauthorised.

Nope, a CPA would be for a payment that debits regularly, like Netflix (for example). Just having your card details stored on a retailer's website for convenience is not a CPA. So going back to my previous point, the OP cannot claim for breach of contract if they are maintaining that they haven't entered into one.