500 euro off my credit card.

red_ice

right, no doubt i had a worm on my machine and a month after an online purchase 500 quid appreard on the CC bill.

Ive tried to sort this out with the bank, but they are being complete arewipes about it. Is there anything i can do?

I have a reference number and the details of the purchase that i apparently made. i have the posting date and transaction date too.

The compant in question that i apparently bought off of is located in france and i cant get anything from it.

Can someone please fill me in on some options? Im screwed otherwise, i may have to cancel my summer holliday for this

I repair, maintain fix machines and keep them up to date with antivirus for a living... but the sad thing is, when i set up this network it was bulletproof. When you work with computers 24/7 the last thing you want to do is fix your own.

Foolish me i know.

Any help would be great lads, i wanna catch and castrate this fucker

reD.

silent

ask the cc company for a chargeback?

raphaelS

Most of the time your CC number is not stolen from your PC or during a transaction but on a receipt throw away or even generated with a software...
The company in France should have a record though maybe an address... your bank should be able to do that for you.

What is the name of the French company?

Raphael

Sleipnir

3 words, "customer not present"
Personally, I think a visit to your bank manager is the next step.
You have been de-frauded and are due some comeback although I wouldn't mention the worm to them. Just say you don't know how it happened.


From www.electronic-payments.co.uk, this is from the merchant's point of view really but you have rights seeing as they don't have your signature authorising the payment.


"A charge-back , or cancellation of puchase, is when a customer demands a refund from their credit-card company. The rights of the consumer are quite powerful in this area as card providers like Visa and Mastercard have set an international standard period for charge-backs that currently stands at six months.

Banks protect themselves against charge-backs and the Merchant Service agreement you have with your bank allows them to transfer liability for payments of charge-backs to you. As an additional security measure, the bank may retain the payment from the customer for a period of time (e.g. 30 days) before crediting your account with the funds.

Many Merchant Services also need you to lodge a bond to cover any charges incurred through fraud and charge-backs. This sum will vary depending upon your average transaction value and monthly turnover as well as less tangible features like the time it takes your business to fulfil orders and consequently the exposure to risk of charge-back or fraud. (More detail on exposure to risk in the next section). You can estimate the size of bond by discussing this with your acquiring bank. When you come to use the free online payments comparison tool, you will find that you can adjust the size of the bond on the "Acquiring costs" page. The tool will then assume that you have to pay interest on this sum in its calculations. This will give you a true cost comparison between the PSP solutions that use merchant services and the other types of solution that do not need acquiring services.

As Internet transactions fall under the banner of Customer Not Present and because many Internet sales are carried out ‘cross-border’ (potentially increasing the risk of fraud) there is no way to reduce the six -month window in which a charge- back could occur.

Even the processes of Authorisation and Capture (where the Acquiring Bank approves the card transaction) do not provide protection against charge-back, although insurance against loss can be arranged separately through a trade body or sometimes the Payment Gateway. Outstanding customer service is the best protection.

Having good terms and conditions on your website can limit the charge-backs you experience but nothing beats good service. Note that your charge-back level will affect your banks assessment of your risk."

Sleepy

Bank of Ireland did a chargeback for me before on a subscription service that kept billing me despite numerous cancellations of the service.

If they're your credit card issuer you can email them on boics@boimail.com. Send a copy of the email you sent the French company and give them dates etc. From what I gather, the more you give them, the easier/quicker it is for them to process the chargeback.

Most banks in Ireland have very little between them in terms of service so I'd imagine AIB or whoever issued your card should be as helpful as BOI were to me.

Hope this helps.