Gift Card Hub scam.

born_again

Finapojke said: So that is fraud, even in banking terms. The top-up payment is just a clever way of getting you to fall into the trap. Of course I've checked spam and junk, and of course I've taken it up with them! I just wanted to point out to others that they are not fulfilling the very T&Cs you mention = fraud

Sadly, from a banks perspective. Fraud is when a unknown 3rd party uses your card details. Not something that card holder signs upto.

I get you are upset about this, but other than asking the co for your money back. You have no claim via the bank. Although you can ask bank to block further payments.
Just do not think that stopping you card used will stop any further payments. As both Visa & Mastercard have a updater system that allows retailer to request new card details. All part of the card providers agreement 👍

born_again

Just hope company don't come back with your details, or you will be redebited. As bank will be claiming the money from the retailer 👍

born_again

Finapojke said:

ok. But you said i had no claim via bank: "but other than asking the co for your money back. You have no claim via the bank. Although you can ask bank to block further payments"

Your bank is being very generous.
Under the Visa/Mastercard regulations there is no claim. Bank claiming fraud is a very dangerous game. Card providers do not take kindly to spurious claims.

Banks saying that the retailer is :

deeming this company's activity to be fraudulent

Banks are not there to police or judge retailers. That is for the card providers.