Is it right to claim fraud in this situation?

Phonesis said:
He is home now. He didn't file anything with Polish police either.
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Wait, he's been robbed of 7 grand, he didn't bother reporting this to the police and he's apparently not even done a basic search of the club name to find the various stories which you managed to find within a few seconds just now?

I mean it is still worth pursuing this but I think next time he goes on a trip like this overseas he might need some supervision and perhaps you or another more sensible friend to do a bit of research for him first.
 
dowie said:
Without translating it looks like it is talking about me:

IRfyslo.png
:D
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just had to translate than.....such a beautiful little 'mantra'

on the receipt we do not have a strip club, wife will not know. in go-go clubs, memory and wealth are lost
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dowie said:
Wait, he's been robbed of 7 grand, he didn't bother reporting this to the police and he's apparently not even done a basic search of the club name to find the various stories which you managed to find within a few seconds just now?

I mean it is still worth pursuing this but I think next time he goes on a trip like this overseas he might need some supervision and perhaps you or another more sensible friend to do a bit of research for him first.
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His friends didn't spot it sadly
 
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I guess he might get away with that lie, not sure how he wants to explain the pin situation - though my flatmate did genuinely get her card swiped in a bar in London after flirting with a couple of guys at the bar when buying drinks, they'd clearly watched her enter her pin and not long after they went off the a cashpoint with it.

I'm not sure that many credit card/debt card thieves tend to go away and blow 7 grand on in a strip club!

Also if it is a stolen card and the bank/card provider pays out then they're the ones taking the hit right? Whereas if he's disputing the transaction the club that actually robbed him potentially takes the hit (thus why even legit strip clubs in general charge excessively for card transactions due to punters sometimes trying to dispute legit charges)?

I sort of hope he does get in trouble for fraud over this, he should have been going after the club.
 
dowie said:
I guess he might get away with that lie, not sure how he wants to explain the pin situation - though my flatmate did genuinely get her card swiped in a bar in London after flirting with a couple of guys at the bar when buying drinks, they'd clearly watched her enter her pin and not long after they went off the a cashpoint with it.

I'm not sure that many credit card/debt card thieves tend to go away and blow 7 grand on in a strip club!

Also if it is a stolen card and the bank/card provider pays out then they're the ones taking the hit right? Whereas if he's disputing the transaction the club that actually robbed him potentially takes the hit (thus why even legit strip clubs in general charge excessively for card transactions due to punters sometimes trying to dispute legit charges)?

I sort of hope he does get in trouble for fraud over this, he should have been going after the club.
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This is possible i guess
 
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It's quite reasonable to report the fraud to his credit card company as it's fairly improbable he's managed to rack up a £7000 bar and hooker bill in one night.

What's likely is he's got smashed and they just added zeros to load of transactions which he stupidly pinned for. The spending patterns for the itemised billing should shed some light on it.

The difficult part is the credit card company would treat this as a major fraud investigation and would expect accompanying a police report etc. They could legitimately deny his claim if he hasn't done this immediately
 
In short your mate got ****** then the stripclub rinsed his card. I doubt very much he was spiked and i would be amazed if the credit card company treats it as fraud.

The problem with these claims is that as soon as the pin is used you are pretty much done for on the fraud claim as t and c's will say you have a responsibility to keep the pin safe and ensure no-one but you knows it and the odds of someone guessing the pin first try is about 1 on 10000.

If he's used the card after the strip club then his odds go down further and if he hasn't reported it stolen within a reasonable time after is was "stolen" they go down again. Not reporting it to the police also goes against him.

If his claim is rejected which tbh i expect it to be, its extremely unlikely the card company will say anything to the police so no need to worry there.

Years ago i used to work for a credit card company fraud dept and it was genuinely amazing what claims you saw and the cases that were reviewed
 
it's not improbable at all depending on what "services" you request and the drink you buy; champagne etc can be vastly overpriced anyways. there's been multiple stories over the years of people racking up ridiculous amounts that make £7000 look beginner's stuff.

can't comment on the guy's truthfulness of being drugged, my immediate reaction is this "he admits he was in there by choice and was basically quite drunk."
I take it from the OP that he was by himself? if so that seems he was there specifically for a night of whatever the ladies offer, and overdid it.
claiming a stolen card is going to severely bite his arse I bet.
"All filmed too (each private dance is filmed by CCTV). Sounds like a grim set up." so they'll have evidence that he was there, using the card for services her partook off. good luck w/ that stolen card story. and, grim? so far it's just sounding sensible practice from the club is your story is anything to go by - guy racks up £7000 of fun then wants to claim the club drugged him, stole his card and ripped him off.
 
Phonesis said:
I am starting to conclude this. However, he has just informed me he actually told bank his card got stolen. So he's claiming he never went to the club... card was stolen and somehow they knew his pin. I think he's made a real bad move doing that myself. If bank wanted to they could now ask club for CCTV (doubt they would do this though).
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He’s just made a bad situation a lot worse, he’s basically trying to defraud the bank by claiming his card was stolen - which they most likely will see straight through anyway - and just blown any chance of the original idea of claiming he was somehow ripped off.

Does he think the bank won’t investigate this and has he not considered the consequences of them most likely discovering he’s lying?

Your friend is an idiot and potentially in a very much deeper hole now than he was....
 
This is why it’s always good to have a credit card with a very low limit for use in places like this. At least you know you won’t get ripped off for thousands.

I used to use a £500 HSBC MasterCard for my evenings of lady gardens, bewbs and general debauchery.
 
I will be interested to know the results of this one.
FWIW on a stag do i was mugged, i was wasted of course (or "had a few drinks as i told the bank) i tried to use my bank card at an ATM outside a club where i presume i was shoulder surfed.
The funny thing here and why i nearly got away with it (but could have been sooooooooo much worse) the card did not work as i had not told them i was going abroad.

3 hrs, numerous drinks later in a packed club i went in my wallet.. all my cards were there BUT were all jumbled up and in wrong place.

i went back to appartment, phoned emergency numbers and every card had been attempted with same pin, and multiple purchases put on all cards. thank god my credit cards had different pins than my debit cards - the credit cards WOULD have worked... but my 2 different debit cards shared the same pin number . Long story short, i lost 300 euros from 1 debit card at ATM, the other didnt work, and the pin was rejected on the credit cards.

the 2 credit cards had a few £1000s of transactions put on, all of which were successfully cancelled so no loss there, the attempted charges on the debit cards never went through as blocked as suspicious

but when i asked the bank about the 300 euros, they told me to buzz off, pin number used and the cards were in my possession - it would have been simpler to just say they were nicked. the person on the phone said she understood it was likely part of the scam, give the cards back to give them longer to exploit the cards if i did not know they were exploited, but that it was policy to reject all such cases....... I would say your mate is playing high stakes... i reckon he has a better chance of getting his money back by saying the cards were stolen.... but with such a large sum it is more likley that it will be investigated than my rather paltry 300 euros so it is equally quite possible he may be caught in a lie.

now when i go on holiday i take 1 credit card with me for emergencies but if i am out drinking i do not take it with me, and just take cash. another option which can be good is to get a prepaid card that you can load up, but i have not done that yet.
 
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Advise your friend to get a loan to pay the CC debt off and then be reminded every month for the next 3/5 years how much of a **** he’s been
 
Phonesis said:
I am starting to conclude this. However, he has just informed me he actually told bank his card got stolen.
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He's home now? So at least a day or so since the strip club?
Is he sure that he hasn't used his card for anything in that time? It could be pretty easy for the bank to spot his lies if he has.
 
robfosters said:
This is why it’s always good to have a credit card with a very low limit for use in places like this. At least you know you won’t get ripped off for thousands.

I used to use a £500 HSBC MasterCard for my evenings of lady gardens, bewbs and general debauchery.
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Like going to the races. Wallet full of cash. When its gone its gone! (One also tends to be just a bit more careful about how one spends it too)
 
bigmike20vt said:
I will be interested to know the results of this one.
FWIW on a stag do i was mugged, i was wasted of course (or "had a few drinks as i told the bank) i tried to use my bank card at an ATM outside a club where i presume i was shoulder surfed.
The funny thing here and why i nearly got away with it (but could have been sooooooooo much worse) the card did not work as i had not told them i was going abroad.

3 hrs, numerous drinks later in a packed club i went in my wallet.. all my cards were there BUT were all jumbled up and in wrong place.

i went back to appartment, phoned emergency numbers and every card had been attempted with same pin, and multiple purchases put on all cards. thank god my credit cards had different pins than my debit cards - the credit cards WOULD have worked... but my 2 different debit cards shared the same pin number . Long story short, i lost 300 euros from 1 debit card at ATM, the other didnt work, and the pin was rejected on the credit cards.

the 2 credit cards had a few 1000s of transactions put on, all of which were successfully cancelled so no loss there, the attempted charges on the debit cards never went through as blocked as suspicious

but when i asked the bank about the 300 euros, they told me to buzz off, pin number used and the cards were in my possession - it would have been simpler to just say they were nicked. the person on the phone said she understood it was likely part of the scam, give the cards back to give them longer to exploit the cards if i did not know they were exploited, but that it was policy to reject all such cases....... I would say your mate is playing high stakes... i reckon he has a better chance of getting his money back by saying the cards were stolen.... but with such a large sum it is more likley that it will be investigated than my rather paltry 300 euros so it is equally quite possible he may be caught in a lie.

now when i go on holiday i take 1 credit card with me for emergencies but if i am out drinking i do not take it with me, and just take cash. another option which can be good is to get a prepaid card that you can load up, but i have not done that yet.
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hang on - they took your wallet, managed thousands of transactions then replaced the card w/out you knowing all in the space of 3 hours? WTF?
 
wolfie138 said:
hang on - they took your wallet, managed thousands of transactions then replaced the card w/out you knowing all in the space of 3 hours? WTF?
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lol sorry typo i missed a £

there was a handful of transactions on each card during the period before i cancelled it adding up to £1000s..... That all got stopped so no problem with them, it was only the ATM where i got stung. I assume they only had my card for the shorted of times but once you have all the details on the card it is easy to make transactions without it on your person.

but yeah they got my cards and replaced them without me knowing, untill i went to buy a round and realised they were not in the proper places in my wallet.
 
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