Grrrr QUICKCREDITSCORE

Just an update with this really as there has been a fractional bit of progress.

Managed to get four months (4 x £19.95, yet to be received) re-imbursement as a "gesture of goodwill" apparently, after the 2nd letter I sent. In the letter they say that a full refund will not be given even if I write another letter. LOL, just lol.

At no point has this company ACTUALLY provided any evidence to me. I asked for things such as XML transactions and PROOF that she entered her card details. They have actually said that they do not keep records of this information! All they have given me is blank screen shots of the web pages where the details were alledgely entered, and a 'copy' of an email that was alledgely sent. The key thing here is that absolutely no payment details are in this 'copy' (that was never received I might add), so they are at the point at which they are unable to prove that anything was agreed to.

I am still rather dubious of the method of charging. The card details WERE NOT entered into their screen, so they had to get them from another source. Was it from the credit agency, or somewhere else? I can only think that they are breaking the law in order to gain this information (or very close to it).

If they can't prove (or unwilling) that a service was agreed to... well I'm sure you can see where I'm coming from. I'm also rather keen to potentially use a solicitor now, as I want to know how they have illegally gained these credit details.

So.. is anyone a solicitor here, and fancies writing a letter? :-D
 
I was always under the impression that unless 3D Secure was used to authorise the transaction, then they will struggle very hard to fight a chargeback.
 
One payment has already been refunded by the bank.
Four payments have been refunded (still waiting for it) by QuickCreditScore (Adaptive Affinity) as "gesture of goodwill".

As they say in their letter they can provide no evidence I think it's pretty good grounds for the bank to refund the rest.

I still want to go after this though. If they are signing people up illegally I want to end up in court quite frankly. I'm sure The Daily Mail would have a field day if they did (as they ran some articles on the scamming company).
 
Generally online merchants/retailers do not keep copies of card details. Where I work (financial services) we keep card details in memory for a very short period of time. You should request the payment confirmation message from the companies payment processor - they should be able to provide this.

However, from the sounds of it, your friend did actually enter their card details.
 
Slightly different circumstances, but the same thing. Lastminute.com were also passing across card details after pressing on an Asda voucher banner. No other action was needed incidently, you press.. you get charged.

A lot of people are all smug because they haven't been caught out 'yet'. Well good for you, if you'd lost £280 like Papa, you'd been ****ed as well.
 
so how did they get your details? it cant be from javascript exploit as it's impossible in modern browsers to communicate via frames cross-site.

are you sure you didnt buy something else and forget to untick an "optional" product?
 
PianoBasher said:
AdBlock+ and OpenDNS tbh.
Click to expand...

As for my OP, I'm suggeting they are misusing the credit reports to gain finanacial information to sign people up that have not agreed to/or have not actually entered their payment details. I am not referring to an 'exploit'.

Gent's - please - read the thread a little more carefully :)
 
Scougar said:
As for my OP, I'm suggeting they are misusing the credit reports to gain finanacial information to sign people up that have not agreed to/or have not actually entered their payment details. I am not referring to an 'exploit'.

Gent's - please - read the thread a little more carefully :)
Click to expand...

Oh, they definitely sound like a bunch of scamming *******.... No doubt about that.

Sorry if I seemed off topic. If the banner ad wasn't there you wouldn't have clicked it. Just sayin' ;) Most banners these days are for companies I don't know/trust so I don't miss them.
 
:-) Cool.

In the case I have put forward they have claimed the person signed up on their screens with no banner advert involved (they make no mention of ANY other method of joining up btw... which will be interesting in another letter :-D), so with that in mind they HAVE to have fraudulently aquired the bank details. If they haven't, then I want to know exactly how they did.
 
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