A question about : Unauthorised Card Transactions. Check ur statement
I expect you all have the common sense to do this anyway but I would just like to warn you of my experiences of paying things over the phone via your card.
I decided one day to check my bank statement only to find that a further payment had been taken out after a switch transaction was made over the phone with my tv finance company.
I made an original transaction of Ј28 and a further Ј34 was taken out directly after.
I phoned them immediately and they confirmed that this was done, yet there was absolutely no reason why. They apologised and refunded it back into my account straight away.
This has happened a few times with various companies, mostly the same amount gone through twice. Mistakes are made until one day my mobile SP linked to vodafone had taken out Ј80.
This transaction went through BEFORE the authorised payment and on the phone the woman couldn't get the initial payment of Ј41 to go through (obviously now it was because the Ј80 was being cleared!).
A 4 month battle commenced in which they denied flatly that the Ј80 had been taken by them. I faxed the detailed statement through (covering important details!) and sent them copies in the post, which they 'never recieved'. I tried in vain to speak to the lady who did the transaction as she was 'not here', 'busy' or that 'she would call me back later'.
I went to my bank whom were just as useless (it took them 3 months to tell me about what they could do) and it looked like I was going to have to go through small claims, until a USEFUL bank clerk filled in a fraudeulent transaction form.
They investigated and the money went back into my account.
No apology. No explaination as to why it came out. No information about the person who took it out without my consent or what happened to them.
It turns out that millions of people have money taken out of their accounts or credit cards without their consent.
It is believed that employees of big companies, especially those with large & multiple call centres, make these transactions without putting it through the customers account and then fiddle paperwork so they can somehow claim the money for themselves.
Exactly how they get the money is unknown but these people do work in circles (one in call centre, one in accounts etc) and also in circles in different companies.
So please do check everything and if there's a question, seek answers from the relevant people. Don't feel daft if it's soemthing you have done, feel re-assured that had you not checked and it wasn't legitimate then you would have been better off!
I'm now wondering if this has happened before I checked my statements so thoroughly!
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