10 månader sedan
Ändrad
10 månader sedan
Declined a few and then the complaint was upheld. They called me and went line by line and are now working through disputes
SvaraCitat1
10 månader sedan
Have you got my email pal? I could do with knowing what they said. I should then be able to advise
10 månader sedan
That was similar to my first go round told them everything had great evidence then rejected via a letter in post, complained and pretty much same week gets a call saying they haven’t ever done a 12.7 but will do. Obviously my concern this time is 24 disputes 12 same merchant did before bank made contact but then did the missing foreign fees, 1 merchant direct after bank made contact and then 10 outstanding, I thought no way will they do the 12.7 again so gone goods which may or may not work?
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Jimbib87
raderade inlägget.
10 månader sedan
Also as you seem in the know about the finance side of things, how do you see the section 75 going? Majority of mine over £100, if bank won’t chargeback they will be liable under that so automatic refund anyway?
10 månader sedan
sent an email to creative solutions on both emails addreses in english and spanish
10 månader sedan
email to mail@panageek.com just bounced back. Imagine my shock
10 månader sedan
Just go bank with it, goods not received vouchers/code for management learning course, screen crashed cannot reach them. Me and others had refunds straight after bank involved.
10 månader sedan
already included in the email I sent about gambling trans on 5th May
SvaraCitat1
10 månader sedan
This is what th email says, which should help me:
At the time of these transactions, I am registered with GAMSTOP, the national self-exclusion scheme for gambling services in the UK.
In addition, my Lloyds Bank account has a gambling block enabled, specifically designed to prevent gambling-related transactions from being processed.
Despite these protections, this payment was processed because the merchant miscoded the transaction, disguising it as a non-gambling service. This resulted in a clear bypass of my gambling block and self-exclusion, exposing me to harm that I had actively sought to prevent.
This situation constitutes a misleading commercial practice under the Consumer Protection from Unfair Trading Regulations 2008 and a failure of duty of care by both the merchant and the payment systems involved.
I have made every attempt to contact the merchants.
Under FCA guidelines, financial firms are expected to take reasonable steps to protect vulnerable customers, particularly when a gambling block is active. The incorrect coding of this transaction also undermines the effectiveness of such protection measures.
I am therefore requesting:
An immediate investigation into this transaction.
A full chargeback under grounds of misrepresentation and breach of consumer protection regulations.
Written confirmation of the actions taken to address this complaint.
If this complaint is not resolved to my satisfaction, I reserve the right to escalate the matter to the Financial Ombudsman Service without further notice.
Please treat this matter with urgency given the vulnerability context and the risks involved.
Yours sincerely,
10 månader sedan
Hopefully goes through for you.
10 månader sedan
I have put my trust in A.I
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Anonymized915
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Anonymized915
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Anonymized915
10 månader sedan
Haha cheers, yeah I assumed it wasn’t a quick process. Mine are straight payments on the credit card 7 out of 10 over £100 the other 3 under £100 and no 3rd or Visa version so Barclays said should be no issue on that.
My thoughts were if they refused to initiate chargeback that I would do section 75 as the credit card company would be liable but there seems to be a lot of different information online.
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Anonymized915
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Anonymized915
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Jimbib87
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Anonymized915
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