Multiway dispute about unauthorised withdrawal

Ergates

If this was an order to a table, then surely Wetherspoons could link the payment to the order (same time and amount), and see if it's the same table the OP's son was sitting at.

born_again

Hellzapoppin wrote: »

Your son doesn’t need to prove that he didn’t make the transaction. PSD2 requires the bank to refund all fraudulent transactions unless they can demonstrate that the transaction isn’t fraudulent. Simply highlighting an undisputed transaction does not do this.

The issue here is OP made a £5 transaction to same retailer via same means just before the fraud transaction.
Valid enough reason.

I can see why they will not take it on. But if they are stopping the card, then they could treat it as fraud and any details provided by paypal (and they will provide these) will prove if it was the OP or a 3rd party.
I it's OP then they will re-debit them.

If they will not do that. Then OP needs to raise a complaint and see where that goes.