Looks like I was scammed

[Rainmaker]

Why did your mate not top up over the phone with his own CC - instead of getting you to go through this Paypoint m/ registering hassle ?

Am I missing something - as it's a million times more easier.

He's in hospital long-term with very poor health, and as such doesn't have much by way of easy access to facilities. I was just trying to do him a favour. It's worked out fine before now when I've simply bought a top-up in the shops.

As I said a little earlier in the thread, a refund has been issued (although the company had still refused to talk to me) so I'm just glad to have my money back. My account with the Co-Op will indeed be closed the moment I have the cash out. They've been as helpful as a chocolate fireguard.

Thanks for all the input guys.

 

[MeatLoaf]

Why didnt you just top up via the mobile operators website?

Hope you get sorted

 

[Rainmaker]

Why didnt you just top up via the mobile operators website?

Hope you get sorted

Thanks for the reply. As above, I did manage to get a refund out of them in the end - they cut me off from the support chat, but then a refund notice arrived by email.

A top-up via the site wasn't possible as apparently his network require the mobile with the account sim to sign in, and he hadn't got access to a card to top up with (hence me doing it to start with). All's well that ends well anyway. Proper headache though.

 

[Squink]

Phoned up Lloyds TSB asked if they would initiate a charge back on my debit card, got asked a few question and they said its now in the process. I now have my money back in my account. So there you go, it can be done over the phone, co-op are just being awkward.

One of my joint bank accounts with HSBC was the recipient of an unwanted transaction and HSBC just point blank refused to initiate any sort of dispute case. Apparently we needed proof from the company that we'd cancelled a subscription that had been set up in an underhand fashion. Naturally the company won't provide any such proof as they know what'll happen when they do, so me and my girlfriend ended up out of pocket. Unfortunately, not all banks are as useful as Lloyds seems to be when it comes to issues like this.

As it happens I work for a bank and we quite often stop debit card transactions relating to topping up mobile phones. I'd always assumed it's because it was an untraceable criminal activity, but from reading this thread I guess it's more to do with the companies themselves.

 

[benftl]

If there's one thing I've learned from this thread, it's that Co-Op should stick to selling food as they suck a fat one when it comes to banking.

 

[JIM_BOB7813]

This Continuous Payment Authority doesn't sound very forgiving on the consumer.

How does the bank know you've authorised a CPA? What stops any company with your card details from setting one up and draining your account?