Reply to: A restaurant has ripped off my VISA card.

[Fred Bloggs]

Points well taken, however, I can only form opinions on my own experiences. I think things are changing too with Tesco. I read a couple of weeks back in the Telegraph that they're starting their own bank and will be doing current accounts before too long.

[TykeMerc]

I think you see my point there.

I do indeed, I had considered making the same point, but couldn't be bothered since many people simply won't accept that an awful lot of these financial products are co branded rather than independant.

I know a couple of people that proclaim to loathe various banks products yet adore the co branded ones despite the entire back end mechanism including customer service being common.

[C5/6]

RBS, Tesco Credit cards, insurance and banking producs are all RBS co branded products or they certainly used to be a year or 3 back.

I think you see my point there.

[TykeMerc]

Strange the conclusion of this thread seems to be:

Tesco Visa --> Good
RBS Mastercard --> Bad

Yet, who runs tesco's banking operations?

RBS, Tesco Credit cards, insurance and banking producs are all RBS co branded products or they certainly used to be a year or 3 back.

[C5/6]

Strange the conclusion of this thread seems to be:

Tesco Visa --> Good
RBS Mastercard --> Bad

Yet, who runs tesco's banking operations?

[Fred Bloggs]

Good luck with your case. Since the Asian restaurant in my case is local, I confronted the owner the day I discovered the fraud. To be honest, I doubt it's him that did it. It'll more likely be one of the casual labour types these places tend to employ I guess. I'm not expecting any further issues but I'm now aware of the pitfalls thanks.

[BolshieBastard]

In my case, Tesco VISA put the case straight into dispute. I never actually paid the £300. I really can recommend Tesco VISA. When my card got hacked last year after a visit to Frankfurt, they were very helpful.

I never paid the £300 for the pc either but the bastards (RBS) didnt immediately put it in dispute despite telling them in my S75 claim that I wasnt paying the money nor any interest they would try and add to the account.

However, my main point with regards your situation is that RBS have said the money is refunded to my account but they have now referred it to Mastercard who will have been informed of the dispute and requested to withdraw £300 from the retailer's account. (Presumably, Tesco will do the same with Visa.)

This suggests the retailer may attempt to dispute the whole thing to try and prevent the £300 being taken back from him. The fact that he hasnt replied to a single one of my letters on the subject should just re-enforce what an absolute piss poor company PC Desktop Options are when it comes to meeting their statutory requirements.

[Fred Bloggs]

I hope you are right but be warned. See my thread here http://forums.contractoruk.com/gener...it-card-3.html

Your 'card issuer' ie Lloyds TSB, RBS etc may have agreed to refund or rather re credit your account by £300 but if your card issuer is like RBS, they will inform you by letter soon that they have 'submitted your enquiry to the retailer's bank in line with our membership of Visa \ Mastercard who will asses your case and correspond with the merchant............'

The duff pc I bought on my RBS Mastercard was covered by S75 of the Consumer Credit Act. RBS 's recent letter to me suggests they have refunded the £300 plus interest owed to me but that the retailer's bank \ Visa \ Mastercard still have a say in it.

That's not my understanding of S75 as the card issuer ie RBS, is jointly and severally liable.

In my case, Tesco VISA put the case straight into dispute. I never actually paid the £300. I really can recommend Tesco VISA. When my card got hacked last year after a visit to Frankfurt, they were very helpful.

[Fred Bloggs]

But you got your money back

Yep. Actually, because it was "in dispute" I never actually paid that £300.

[smiff]

About six or seven years ago, I took a telephone call from Barclaycard to tell me that the Lloyds Bank in Dalston wanted me to contact them.

I telephoned them and spoke to a young lady who asked "Have you written out a Barclaycard cheque for £4,400.00 to a Mr Ali?".

"No, I haven't." I replied.

"I didn't think so." she said. "What do you normally do with your old Barclaycard cheques?"

I telephoned Barclaycard to advise that someone had been trying to cash Barclaycard cheques from my account and they were not in the slightest bit interested.

I did two things - closed my Barclaycard account and purchased a shredder.

Happened to me with MBNA Credit Card cheques. They sent some (unsolicited of course), they got intercepted in the mail, and someone cashed one of them for £5000.

Called MBNA, they didn't seem that bothered and credited the 5k back straight away. In fact, they were so laid back about it, must be great to be so chilled out about fraud.

Of course, I blasted them about sending out unsolicited cheques too. Left them soon after.

[BolshieBastard]

Well, it has taken a while, but I've got the £300 credited back to my VISA account. Apparently, the transaction was put through to VISA as a "client not present" transaction. Restaurant/restaurant's bank could not produce any evidence that I had made an order by phone/not present. Case closed, but I guess the restaurant gets off scot free. No justice in the world.

I hope you are right but be warned. See my thread here http://forums.contractoruk.com/gener...it-card-3.html

Your 'card issuer' ie Lloyds TSB, RBS etc may have agreed to refund or rather re credit your account by £300 but if your card issuer is like RBS, they will inform you by letter soon that they have 'submitted your enquiry to the retailer's bank in line with our membership of Visa \ Mastercard who will asses your case and correspond with the merchant............'

The duff pc I bought on my RBS Mastercard was covered by S75 of the Consumer Credit Act. RBS 's recent letter to me suggests they have refunded the £300 plus interest owed to me but that the retailer's bank \ Visa \ Mastercard still have a say in it.

That's not my understanding of S75 as the card issuer ie RBS, is jointly and severally liable.

[BrilloPad]

Well, it has taken a while, but I've got the £300 credited back to my VISA account. Apparently, the transaction was put through to VISA as a "client not present" transaction. Restaurant/restaurant's bank could not produce any evidence that I had made an order by phone/not present. Case closed, but I guess the restaurant gets off scot free. No justice in the world.

But you got your money back

[Fred Bloggs]

Well, it has taken a while, but I've got the £300 credited back to my VISA account. Apparently, the transaction was put through to VISA as a "client not present" transaction. Restaurant/restaurant's bank could not produce any evidence that I had made an order by phone/not present. Case closed, but I guess the restaurant gets off scot free. No justice in the world.

[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 !!!

[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