Dave Henshall

just had a letter from my bank saying i have gone over the overdraught limit, checkd the homebanking and its a bar i was in that i was in on friday, they said i coulnt pay for drinks on my card unless it was over £20, so i left with the drinks still on the bar ( and forgot my card was behind the bar_, turns out they have put it through under 20 quid anyway when i was gone without my authorisation, and hence now taking me over my overdraught limit,

phoned the bar and they say its not their problem as they cant be held responsible for my card left there

any legal info on this appreciated.

GUZZLER

iTrader: (3)

maybe its your fault if you lert it there,,,,
but if they've used it, thats bang out of order & illegal.

Dave Henshall

best of it is, they cant find the card now either so ive cancelled it, but i remember giving it one of the bar staff, who walked off with it and came back asying they couldnt do it, i walked out forfetting they still had my card.

nthorpey

did you sign anything?

Dave Henshall

nope

Ginge !

if ya never signed anything ask for ya money back !!!!!!

thats robbery !!!!

Oranoco

It's theft plain and simple. Report it to your card company. Did you pay for the drinks by another means and they still took the money on the card or what?

Dave Henshall

i have and the fookin bar manager says nothing they can do about it as there is no proof i didnt drink the drinks!!!

xr2fatturbo

easy peasy mate!!!

just say you lost your card had no idea where it is and all your money is gone STICK TO THE STORY!!!!!!

aslong as you haven't signed anything your scott free and the bank will return the cash within 48 hrs but only if those words are said!!

trust me been there before!

xr2fatturbo

EH???!!!!! what proof have they got you even bought the fookin drinks!!

Dave Henshall

no , cos they said i had to spend over 20quid to pay by card i thought stuff it, fookin up its own arse bar anyway. but they have taken it off the card even though its below their card limit policy,

going to the bank tomorrow, apparently there is a for you can fill in so say as of a certain point it was stolen and so all transactions will be voided, but how thery get the money back form the bar i dont know?!?

xr2fatturbo

no mate what happens is the bank give you your money back then the bank tackle the bar to re claim there own money back you see they will sh!t them selves when the bank start d
demanding there money!!!

Dave Henshall

so the line is that i lost my card, dont know where it is and only realised its gone today when they sent me the overdrawn letter...?

phil4x4saph

If the bar cannot prove you bought the items - IE signed slip, pin verified slip or verifiable delivery address then the bank will take the money off them without question.

They dont have a leg to stand on. I doubt if you get any overdrawn charges back though :cry

xr2fatturbo

exactly as long as you never signed for fuk all your ok!!!!

Dave Henshall

superb [/sweat mode]

EIL132

If it's switch/solo then your fooked. There are no insurances against fraud as with credit cards. They can stop anymore occuring by stopping your account, but you will not get you money back without taking them to court. Signature means nothing, just like ordering online, over phone, etc. Happened to me

phil4x4saph

With chip+pin cards, online or phone orders need confirmation of the cardholders address now.

Dave Henshall

its not a chip and pin though

Ginge !

regaurdless you will get a full refund and the overdraught fee as you wasnt over drawn and the money was stolen from you along with the card !!!!!!

Dave Henshall

ill see what they say 2morrow,

cheers, guys