Looks like I was scammed

mrmoose said:
The bank is correct. Read up on "continuous payment authority". Stopped/blocking/deactivating/losing a card won't stop it in all instances.

Very nasty things which I deal with on a very regular basis.
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So basically close my account and take the hit? That's ridiculous tbh, and can have a well-deserved GD rolleyes. :rolleyes: Thanks for the clarification though mate. You work in banking, I assume?
 
Aha, fair enough.

Btw, reading it again, how do you actually know they've stolen your card details? Seems like you just can't login to their site?

Did you actually get what you paid for?
 
the thing is, regardless of wether shes right or wrong, you cant get anything done about it until actual fraud is commited
 
mrmoose said:
speak to the fraud team tomorrow. You have 120 days to claim.
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That's my point my friend. The bank say I can't claim as it isn't fraud unless someone literally steals your details. Websites and companies who scam you out of money don't count, apparently. LOL
 
Strife212 said:
Aha, fair enough.

Btw, reading it again, how do you actually know they've stolen your card details? Seems like you just can't login to their site?

Did you actually get what you paid for?
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No I didn't. I was told I needed to log into the site/my account to get the voucher code. They won't let me log in, and have disconnected me almost every time they find out it's me in chat. I've been 100% civil btw.

The one time they did NOT leave the chat immediately, she said there was a "Mismatch" in my billing and they were not letting me have the goods. I said I had the email invoice direct from the PayPoint gateway, which confirms "Payment status - OK", so where is she getting this (erroneous) mismatch information from?

She hung up on the chat instantly, and refused to talk to me since.

I know a couple of you people replying keep saying fraud needs to take place, but look at it this way. You want a blanket for your granny - a salesman rings with his best "Goood eeevening!" accent (a la Fonejacker). Granny "buys" the "blanket" and the guy runs for the hills. This isn't fraud according to you guys??
 
mrmoose said:
ask to be put through to 'chargebacks' or 'disputed transactions'
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Apparently Co-Op don't do that over the phone. It has to be in writing. As I said, it's quicker to close the account. Theyve really made me wary of banking tbh - if this is industry standard the industry stinks! I'm just glad I used my "backup" bank to pay not my "real" one.
 
finga said:
well as you said yourself, any bank would do the same, id be calling the website up before the bank
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...according to someone at Co-Op, yeah. If that really is the case I'm cash only from now on. I'll pay by PayPal using a pre-paid credit card for essentials I can only buy online. That's an absolutely ridiculous state of affairs if true. I'm reading the links posted above now. Thanks.
 
Rainmaker said:
100% accurate mate. I'm willing to give the invoice numbers, chat log and the name of the rep at the Skelmersdale call centre who took my call. I'm 100% serious. I know it's "only" £10 but it's £10 I can't afford to lose. I was only trying to do a mate a favour and this is my reward lol


With the 'voucher code' as told above.
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No, I believe what you are relaying on here.

I just don't believe her.

Phone again and speak to someone else.

If thats the case close the account immediately and go elsewhere.

You haven't signed a power of attorney or anything for heavens sake.
 
Rainmaker said:
I know a couple of you people replying keep saying fraud needs to take place, but look at it this way. You want a blanket for your granny - a salesman rings with his best "Goood eeevening!" accent (a la Fonejacker). Granny "buys" the "blanket" and the guy runs for the hills. This isn't fraud according to you guys??
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its fraud but not bank fraud im afraid, you need to be speaking to the website operators, you probably just got some idiot on their live chat service for out of hours, make a point of complaining about them tomorrow

she said there was a mismatch, has the money actually left your account yet?
 
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It's a massive grey area mate, consumer groups have been kicking up a stink for ages. Because you've knowingly handed the details of your account to them it put's the ball in your court. You need to 'exhaust' your options route with the company in question before the bank will get involved.

These departments are typically mon-fri 9-5 so you've been fobbed out. try calling monday but first fire an email off to them for advice.
 
that sounds **** mate ! you do your friend a favour and then get bitten in the ass for your trouble !

I hope that the situation resolves istelf in a satisfactory conclusion for you. !
 
finga said:
its fraud but not bank fraud im afraid, you need to be speaking to the website operators, you probably just got some idiot on their live chat service for out of hours, make a point of complaining about them tomorrow

she said there was a mismatch, has the money actually left your account yet?
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Another charming 'quirk' of Co-Op. They don't show up transactions on your internet banking for three days. That's shop transactions, phone transactions and web transactions - everything. Buy on Monday, it'll show up on Wednesday. So I've no way to tell.

The invoice emailed to me from PayPoint confirms they've debited the money, however. :( Since the company's claimed UK addres turns out to be a Post Office, and they're not registered with Companies House, I'm not holding my breath for a refund or any meaningful help.

I've just realised though... 3 day delay in payment showing up = I can still withdraw the cash to my other account with a different bank. It'll go £12 overdrawn but they can sort that out later. At least I'll have my cash back for now.
 
Sorry if i come across a little thick but how do you know if you have signed up for a continues payment agreement for future reference please ? also is credit card the best way to avoid such situations ?

Thanks jamie.

To the op sorry for hijack of thread.
 
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