What do I do here?

Sunstarx55

I believe it's the same company but two different card processors. I'm not sure if that makes a difference.

unholyangel

Sunstarx55 wrote: »

I'm going to call them tomorrow, but first I need to formulate exactly what I will say/ask for.

While I see the logic in it being an unauthorised charge, will Santander not just say to me the same thing as before?

Paraphrasing: "Since you have dealt with the merchant before, they can charge you again"

That's the bit that confused me, unless it was a subscription type thing I thought they had no power to take any more of my money

Tell them they are wrong. You authorised one payment of $x only and that the second payment is unauthorised. Perhaps remind them that the ombudsman will expect them to be able to show that you authorised both payments - not just the first.

If what your bank were telling you was true, once you provided your card details to someone, they could take as much as they want as frequently as they want and there'd be no way you could stop them. What security would a bank offer if they'd give someone the right to do that and give you no protection against it?

Sunstarx55

On the phone right now, and I quote:

.Because you've had dealings with the company in the past, even through a third party, it makes it a dispute not fraud'

As unholyangel said, it's like there little to no security.

[Deleted User]

Sunstarx55 wrote: »

On the phone right now, and I quote:

.Because you've had dealings with the company in the past, even through a third party, it makes it a dispute not fraud'

As unholyangel said, it's like there little to no security.

So, you are in "dispute" over the second payment which is just semantics. Fraud is a serious crime.

That doesn't mean you won't (or shouldn't) get a refund, of course.

You need to make a formal complaint.

Sunstarx55

So that went well...

Same result, it's not fraud it's a dispute. We can raise the dispute but you will get the same answer as last time because you do not have sufficient evidence.

Literally the only thing I need is for the merchant to email me with the second amount charged.

Either £62.95 or 99.30 CAD. I don't see why I need to get this as the first email they sent me stated the name of the charge "GOCYBERSHOPPING 2005 LTD" and there is only one instance of this on my transactions.

wealdroam

Did you remind them of this:

unholyangel wrote: »

Perhaps remind them that the ombudsman will expect them to be able to show that you authorised both payments - not just the first.

Anyway, on to their complaints procedure, as suggested in post #20.

Stevie_Palimo

You would think in this day and age that they would staff in banks that understand the rules and regulations that are in place, I know there is a lot to take in but rather than a telephone operator telling you know in these instances it should be taken down and looked at from the banks end prior to them given an answer to people.

On my payday site I have to know all the regulations in place and do not answer any communications unless I am 100% sure first.