A restaurant has ripped off my VISA card.

[BrowneIssue]

With Chip and Pin, garages have a period of time after a sale that they can make adjustments for errors that override the security. They have no need to have the pin number to amend a transaction.

Is that really, really true?

If it is, I am going to be lost for words: 'appalled' and 'conned' won't suffice.

Is it a feature of chip 'n' pin or is it just one retailer who has designed a system to allow fraud?

[bogeyman]

Is that really, really true?

If it is, I am going to be lost for words: 'appalled' and 'conned' won't suffice.

Is it a feature of chip 'n' pin or is it just one retailer who has designed a system to allow fraud?

Yip! Sadly.

C&P is only an illusion of security.

[Fred Bloggs]

How did you know it was them who did it?

Well, the VISA website shows the transaction in favour of this restaurant by name. I'm going down there in 30 minutes to see what the manager/owner has to say for himself when I give him the page I printed out from the VISA website showing the transaction for £300 with their name on. Will post again later.

[expat]

Is that really, really true?

If it is, I am going to be lost for words: 'appalled' and 'conned' won't suffice.

Is it a feature of chip 'n' pin or is it just one retailer who has designed a system to allow fraud?

Yes. Using plastic is full of stuff like that: for example, if you set up a recurring charge (e.g. an annual subscription) then you can not cancel it. The card companies regard this as a single transaction: once approved by you, it stays approved. If you want to cancel your subscription in later years, you are dependent on the vendor stopping the debits.

The only payment method that you have complete control over is cash, which I am using more and more, e.g. always in a petrol station (where most card fraud is done).

[Beefy198]

The Co-op bank sent me a letter last week saying they were imposing Verified by Visa. To make it easier for me, they had already set it up and allocated a password. My internet banking password.

Isn't that just a tiny bit furkin stupid?

I had to set one up ages ago, and when I went to make another purchase the other week I couldn't remember it. I simply had to set up a new password without much hassle..... definitely an illusion of a new level of security.

[SantaClaus]

That is what will happen after tomorrow. I'll see what happens first when I go down there.

Hopefully its a credit card and not a debit card.

Refuse to pay the bill until its sorted, then the ball is in their court.

[Fred Bloggs]

I never use debit cards.

The owner of the restaurant was really open this evening and showed me his "Z readings" daily print outs and every VISA receipt he had for the previous week upto the transaction. My partner does this at work and checked that everything seemed in order. Unless he has a clever way of hiding a VISA transaction, it seems like it is a 3rd party hack that he knows nothing about or a problem at the VISA processing centre. VISA are now investigating and I wil not be paying the £300 any time soon.

[NotAllThere]

Chip and pin is great. My card isn't chip and pin, so I have to sign - and as that's so rare, they actually check the signature.

[EternalOptimist]

Chip and pin is great. My card isn't chip and pin, so I have to sign - and as that's so rare, they actually check the signature.

If it were me, I would ask for your passport, driving licence, DNA and a sperm sample you dodgy looking character

[Cyberman]

Is that really, really true?

If it is, I am going to be lost for words: 'appalled' and 'conned' won't suffice.

Is it a feature of chip 'n' pin or is it just one retailer who has designed a system to allow fraud?

Yes, there was an article about two years ago whereby a driver had complained that his garage bill had been changed and this was the 'incredible' explanation given. Check your CC statements regularly folks !!!