Advice needed - Credit card fraudulent payments claim - disputed by bank

eco_warrior

Oldest trick in the book

Telling the bank you don’t remember making the transactions won’t have helped. Better to have a story of being robbed, spiked, card taken off you etc from the offset.

The bank will know you didn’t knowingly make these transactions as it happens so often to customers, you aren’t all lying.

But they won’t want to be the real losers in this scam, as they won’t be able to recover the monies paid should they refund you.

Also, very valid points in the post above.

Dr_Crypto

Are you sure you didn’t make the transactions and forgot due to alcohol? It certainly happened to me as a student but thankfully for much smaller sums.
Another trick would be for the bar to put a transaction through for a far higher sum than you spent. In the atmosphere of a dark and noisy stripper bar many won’t check the amount on the terminal properly!

JBKSTN

zagfles wrote: »

Did you use the card in the "normal" bar? Could someone have seen you enter your PIN, do you enter it in an obvious way that anyone looking could see or do you shield it?

Was paying in cash throughout the trip, someone must have seen it when i was there in order to authorise these amounts. I've contacted the "normal" bar who have verified this.

Terry_Towelling

I am convinced that my drink must have been spiked in this bar as my last memory was being in a different (normal) bar close by. I don’t remember using my chip and pin within the strip bar,

You say you don't remember using your card in the strip bar. Given that your last memory was being in a different bar altogether, surely you meant to say, you didn't remember even being in the strip bar?.

I usually receive a text message from the bank stating that a large / suspicious transaction has taken place on my account...

For you to state that you usually receive a text message, implies that you have a lot of attempted fraud on your cards.

What was the name of the strip club that you've researched on line? I'd like to check out some of the forum reports that you mention viewing.

born_again

JBKSTN wrote: »

Was paying in cash throughout the trip, someone must have seen it when i was there in order to authorise these amounts. I've contacted the "normal" bar who have verified this.

Verified what?

Card provider could tell you how any spend in the bar was made.

So if you can remember being in this bar.
Who were you talking too?
What happened after that?
Who were you with?
What is the next thing you remember?
How did you get back to your hotel room?

And if someone had taken and used your card, they would have taken cash out as well.....

JBKSTN

born_again wrote: »

Fraud systems do not work on your spending patterns. They work on known fraud spending patterns.
.

thanks for this info

Ben8282

JBKSTN wrote: »

Was paying in cash throughout the trip, someone must have seen it when i was there in order to authorise these amounts. I've contacted the "normal" bar who have verified this.

This does of course raise the question of why you chose to use the card in the normal bar if you had been paying in cash throughout the trip.
I really do find it difficult to believe that after you returned to the UK you contacted (telephoned?) this bar and actually got through to somebody who not only remembered you but also happened to remember noticing that somebody had seen your PIN as you entered it.
Your statement that the Benidorm police told you to take it up with the UK police makes no sense. What do you imagine that the UK police can do to investigate crimes in Benidorm or the Spanish police can do to investigate crimes in, for example, Blackpool? No crime has been committed within the jurisdiction of the UK police.

I am very sorry to say that if your card was still in your possession afterwards (not stolen) and your PIN number was correctly entered you have very little chance of making a successful claim.

Terry_Towelling

JBKSTN, why are you being very selective about what questions you answer? When the web gets tangled, it is hard to keep everything on track, isn't it?