What a great Xmas present from the wife (NOT)
21 December 2005, 08:18 AM
#31
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It's funny how no one things about the retailer in all of this. If you report her for fraud the bank will reverse the transactions, but who looses out ?
The companies who she paid to will get chargebacks and the money comes straight out of their accounts. There is no insurance or anything against that, it's just reversed and they loose out.
The bank don't cover it. They shaft retailers on credit card percentages for every card taken and drop them in it when the custer claims it wasn't them.
I got stung for £3k last month through my website. Was a few transactions which went through. Got a letter last week saying the correct card holder has been in touch and they've reversed the transactions. I'd already sent the goods. Policedon't want to know or the credit card company.
The companies who she paid to will get chargebacks and the money comes straight out of their accounts. There is no insurance or anything against that, it's just reversed and they loose out.
The bank don't cover it. They shaft retailers on credit card percentages for every card taken and drop them in it when the custer claims it wasn't them.
I got stung for £3k last month through my website. Was a few transactions which went through. Got a letter last week saying the correct card holder has been in touch and they've reversed the transactions. I'd already sent the goods. Policedon't want to know or the credit card company.
21 December 2005, 09:56 AM
#33
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i know how you feel mate. i got left with 12K of debt when i split with my wife. i signed for the personal loan for "OUR" debt. her solicitor said as her signature wasn't on the agreement, she wasn't liable for any of the debt.
21 December 2005, 02:15 PM
#35
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Originally Posted by VAL113R
It's funny how no one things about the retailer in all of this. If you report her for fraud the bank will reverse the transactions, but who looses out ?
The companies who she paid to will get chargebacks and the money comes straight out of their accounts. There is no insurance or anything against that, it's just reversed and they loose out.
The bank don't cover it. They shaft retailers on credit card percentages for every card taken and drop them in it when the custer claims it wasn't them.
I got stung for £3k last month through my website. Was a few transactions which went through. Got a letter last week saying the correct card holder has been in touch and they've reversed the transactions. I'd already sent the goods. Policedon't want to know or the credit card company.
The companies who she paid to will get chargebacks and the money comes straight out of their accounts. There is no insurance or anything against that, it's just reversed and they loose out.
The bank don't cover it. They shaft retailers on credit card percentages for every card taken and drop them in it when the custer claims it wasn't them.
I got stung for £3k last month through my website. Was a few transactions which went through. Got a letter last week saying the correct card holder has been in touch and they've reversed the transactions. I'd already sent the goods. Policedon't want to know or the credit card company.
21 December 2005, 02:15 PM
#36
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Originally Posted by Chip Sengravy
All good advice, but the fact is, is that your average 18yr old zit faced shop assistant in River Island is no expert in handwriting.
21 December 2005, 08:40 PM
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Jesus Christ... £19k on a credit card?
Haven't read the thread properly, what did she spend 19k on?
Book her in with a psychiatrist is my advice matey. Really sorry to hear about your problems
Haven't read the thread properly, what did she spend 19k on?
Book her in with a psychiatrist is my advice matey. Really sorry to hear about your problems
21 December 2005, 10:09 PM
#43
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I work in retail
And I am supprised at the lack of care taken by companies, if people don't know there pin and ask to sign, I always ask them for another for of ID and if anybody who isnt a regular spends around £100 or more I always ask them for another form of ID (driving license etc)
Fortunatly everybody I have asked, quite a number, now have not taken offense and have thanked me for my vigilence.
And I am supprised at the lack of care taken by companies, if people don't know there pin and ask to sign, I always ask them for another for of ID and if anybody who isnt a regular spends around £100 or more I always ask them for another form of ID (driving license etc)
Fortunatly everybody I have asked, quite a number, now have not taken offense and have thanked me for my vigilence.
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