Charged twice on credit card

joe14

Was in a pub in a nearby city and I ran out of money, Went to the counter to see if they did cash back which they did. I took a sum of money out but there has been 2 sums taking out by the pub e.g. I took out 50, another 50 was taken out aswell, I was pretty drunk so would they have noticed that and pulled a quick one?

On my bank statement beside the first withdrawal It says VDP and on the second one It says VDC. Where do I stand in this matter and how do I go about getting my money back? Thanks in advance

MarkAnthony

Contact the bank. Could simply be held, happens when the PDQ (card machine) throws a wobbler sometimes.

joe14

MarkAnthony wrote: »

Contact the bank. Could simply be held, happens when the PDQ (card machine) throws a wobbler sometimes.

Forgot to mention I have done that, They said contact the pub..

stevek93

Did you get a receipt?

joe14

stevek93 wrote: »

Did you get a receipt?

Yes have receipt

RossieMan

Bank should be able to do a charge back. But you'd be easier contacting the pub 1st to see what they say.

jimmycrackcorm

joe14 wrote:

Yes have receipt

You'll need to contact the pub.They should have receipts or be able to pull up a transaction list.

Unless you were so drunk that you actively asked for money twice, you should be looking for two transactions in a very short time span. I.e. It wouldn't be reasonable to say you got money then 30 seconds later got it again.

jimmycrackcorm

Are you sure that both were 50 though? VDP means a pin transaction, VDC is contactless or possibly pin less such as requiring a signature, but only makes sense if the amount was less than 30.

I used my card in a pub a few weeks ago and strangely didn't have to put in my pin. The barman just gave me the receipt with out asking for a required signature.

joe14

jimmycrackcorm wrote: »

Are you sure that both were 50 though? VDP means a pin transaction, VDC is contactless or possibly pin less such as requiring a signature, but only makes sense if the amount was less than 30.

I used my card in a pub a few weeks ago and strangely didn't have to put in my pin. The barman just gave me the receipt with out asking for a required signature.

Yes It was below 30 don't want to use exact amount as owner of pub (unlikely) could be reading this..

jimmycrackcorm

joe14 wrote:

Yes It was below 30 don't want to use exact amount as owner of pub (unlikely) could be reading this..

Then you'd better follow up with the pub about it because it is so easy if you don't have your card in your hand for someone to do a contactless charge then do a normal insert asking you yo put in your pin and then hand it back.

But the key is the transaction times which the pub should be able to produce.

I used to write pint of sale software that did integrated card processing so I'm aware that this information is available.

joe14

jimmycrackcorm wrote: »

Then you'd better follow up with the pub about it because it is so easy if you don't have your card in your hand for someone to do a contactless charge then do a normal insert asking you yo put in your pin and then hand it back.

But the key is the transaction times which the pub should be able to produce.

I used to write pint of sale software that did integrated card processing so I'm aware that this information is available.

Thanks for your help, appreciate it, Will contact the pub tomorrow!

4ensic15

jimmycrackcorm wrote: »

I used to write pint of sale software.......

Pun intended?

The_fever

I have heard of cases before of barmen holding onto second "cashbacks".... buyer beware.

coylemj

It's worth noting that in cases where there is an error with the transaction and the vendor cancels it, the machine will still print out two receipts, the same as if it was a valid transaction but showing that the transaction was voided. Your typical sales assistant will scrunch them up and toss them into the bin, I always ask to be given one of them, helps to clear up any confusion should a duplicate charge show up on my bill later.

L1011

The_fever wrote: »

I have heard of cases before of barmen holding onto second "cashbacks".... buyer beware.

You have to be pretty bloody thick to enter your PIN twice, etc. "I was drunk" doesn't count as an excuse for consumer credit protections.

The_fever

L1011 wrote: »

You have to be pretty bloody thick to enter your PIN twice, etc. "I was drunk" doesn't count as an excuse for consumer credit protections.

Okay let me explain. A "drunk" person asks the barman for cashback, instead of keying in the amount into the card reader, the barman hands the reader to the patron, who automatically keys in their pin.

The barman takes the reader, and the pin number is in plain sight on the reader, he takes a mental note. The barman then explains there has been an error, keys in the amount and hands it back to the customer as normal. And Viola, the barman then knows the pin, and can do an extra cashback by keying in the pin.....I once knew someone who was quite fond of the white stuff, he was a barman and this "trick" was used to help fund his habit..Quite a common occurrence I believe,

Again buyer beware

The_fever

The_fever wrote: »

Okay let me explain. A "drunk" person asks the barman for cashback, instead of keying in the amount into the card reader, the barman hands the reader to the patron, who automatically keys in their pin.

The barman takes the reader, and the pin number is in plain sight on the reader, he takes a mental note. The barman then explains there has been an error, keys in the amount and hands it back to the customer as normal. And Viola, the barman then knows the pin, and can do an extra cashback by keying in the pin.....I once knew someone who was quite fond of the white stuff, he was a barman and this "trick" was used to help fund his habit..Quite a common occurrence I believe,

Again buyer beware

When you type in the pin is it not just four dots shown on the screen like when you type in a password on a website

The_fever

Deleted User wrote: »

When you type in the pin is it not just four dots shown on the screen like when you type in a password on a website

Yes 4 dots is correct. But the customer is keying in the pin number where the amount should be keyed in. Unbeknownst to themselves. It is then not dots but the digits.

L1011

The_fever wrote: »

Okay let me explain. A "drunk" person asks the barman for cashback, instead of keying in the amount into the card reader, the barman hands the reader to the patron, who automatically keys in their pin.

The barman takes the reader, and the pin number is in plain sight on the reader, he takes a mental note. The barman then explains there has been an error, keys in the amount and hands it back to the customer as normal. And Viola, the barman then knows the pin, and can do an extra cashback by keying in the pin.....I once knew someone who was quite fond of the white stuff, he was a barman and this "trick" was used to help fund his habit..Quite a common occurrence I believe,

Again buyer beware

Your scenario is far fetched and still relies on the punter being absolutely sloshed and quite stupid.

One barman with a coke habit ripping off dipsos does not equal "a common occurance"

4ensic15

L1011 wrote: »

Your scenario is far fetched and still relies on the punter being absolutely sloshed and quite stupid.

One barman with a coke habit ripping off dipsos does not equal "a common occurance"

Barmen stealing money from customers by way of short change, taking up money left on the counter, giving short measures, adding phantom drinks into a bill etc, etc is a time honoured occurrence which occurs frequently.

L1011

4ensic15 wrote: »

Barmen stealing money from customers by way of short change, taking up money left on the counter, giving short measures, adding phantom drinks into a bill etc, etc is a time honoured occurrence which occurs frequently.

The latter two cannot benefit a barman in any way, unless they happen to own the bar

xband

Contact the pub and ask them to sort it out. If they won't the bank can chase it up as a chargeback.

It's usually a lot easier for the retailer to amend an error from their side.

It sounds more like a terminal glitch where it somehow managed to process the transaction twice. It can happen sometimes happen that a terminal doesn't get the correct acknowledgement from the bank and automatically tries a transaction again. It's a bit like refreshing your browser if something times out.

4ensic15

L1011 wrote: »

The latter two cannot benefit a barman in any way, unless they happen to own the bar

They steal the equivalent from the owner later. The shortfall is not noticed because of the earlier scam.

L1011

4ensic15 wrote: »

They steal the equivalent from the owner later. The shortfall is not noticed because of the earlier scam.

Extremely convoluted way to get a few shots or pints.

4ensic15

L1011 wrote: »

Extremely convoluted way to get a few shots or pints.

I've seen it done.

SuperS54

Many EONs ago when I worked in petrol stations the credit card machine had a very basic fraud protection, the same credit card could not be used twice in a row, has this protection now been removed? If not then most of the above scenarios couldn't have happened.

GerardKeating

SuperS54 wrote: »

Many EONs ago when I worked in petrol stations the credit card machine had a very basic fraud protection, the same credit card could not be used twice in a row, has this protection now been removed? If not then most of the above scenarios couldn't have happened.

Given the number of this I have done something like this, I would say yes.