Been scammed need your help as Bank is not refunding

Prem123

Hi I got scammed following a google search by Scammer company pretending to be A well Know Travel company. They sent me invoices in the Travel company name etc. to get money from me for the 2 travel tickets I purchased.

Initially I tried paying by by a High street Bank Debit Card and even after OTP, the transaction was denied. The Scammer Firm said they are having difficulties with their IT, can I try another card, I did with a Credit Card and this was also declined  even after OTP. The Scammer said it appears they have similar IT issues, can I try another card.  I tried again with a well know Digital Bank Debit card and the transaction went through.   No travel tickets were emailed as promised.  Whilst buying these Tickets I only used the long number on my Debit card.

This well know Digital Bank after 8 weeks, has this morning refused to refund me saying "You didn't take enough steps to check who you were paying and what for".

My point is if I was declined by other banks why did they allow the transaction through. Secondly I was emailed fake Invoices to show what I was purchasing.  So I knew what I was paying for.   

With the digital Bank debit card I was only asked to authorise the transaction.

As I only used the long number on the card, Am I entitled for my money back as the Tickets were not delivered under the "chargeback scheme", am I entitled for my money to be refunded.  Thanks. 

Aylesbury_Duck

Which "well known digital bank" is it?  Some banks offer more than others in situations like this.

I don't follow your reasoning that the third bank shouldn't have authorised payment after the first two banks didn't.  Surely that argument could be flipped around and wonder why, having had two of your banks decline to authorise, you tried a third one?

Devongardener

Didn’t you wonder why 2 banks declined the payment? 

eskbanker

Prem123 said:

Am I entitled for my money back as the Tickets were not delivered under the "chargeback scheme"

On the basis that you made a debit card payment and the contracted goods/services weren't delivered, then yes, I believe that this should be a valid chargeback claim, unless this was all a long time ago?

Feel free to name all parties involved, rather than anonymising them for no apparent reason....

Olinda99

yes i would agree as long as you are within the time limit you should ask for a chargeback on the basis that goods were not received. If they refuse raise a complaint with them

Aylesbury_Duck

It's not clear from the original post exactly how it was reported to the bank, but might OP already have tried the chargeback route?  If they have, then it's been refused.

DullGreyGuy

Prem123 said:

Hi I got scammed following a google search by Scammer company pretending to be A well Know Travel company. They sent me invoices in the Travel company name etc. to get money from me for the 2 travel tickets I purchased.

It's very unclear what's happened... somehow a company(A) googled you and from that was able to send you invoices branded as another company(B) but with their payment/contact details? Were you expecting invoices? Had you booked but not yet paid for these tickets with B? Were the payments made online, over the phone or?

How did you report it to your bank? Fraud or goods not received?

Pollycat

DullGreyGuy said:

Prem123 said:

Hi I got scammed following a google search by Scammer company pretending to be A well Know Travel company. They sent me invoices in the Travel company name etc. to get money from me for the 2 travel tickets I purchased.

It's very unclear what's happened... somehow a company(A) googled you and from that was able to send you invoices branded as another company(B) but with their payment/contact details? Were you expecting invoices? Had you booked but not yet paid for these tickets with B? Were the payments made online, over the phone or?

How did you report it to your bank? Fraud or goods not received?

I think the OP Googled for a travel company - not sure if it was a generic search or for a specific company.
Probably the top result of the search was this 'scam' company.

It sounds quite elaborate with them sending invoices with the company's name on.

If 2 of my cards were declined, it would certainly ring alarm bells for me.