They wont allow you to order by phone once the order has not been processed online

The VISA regulations don;t differ - it's VISA's ball and they do with as they please. You bank simply honoured a debit request from Visa, fully trusting they had the relevant authority. It is when you challenge this, you get the Banks refusing to assist or reverse without you leaping through hoops. Buzby: isn't the whole point of us using banks and visa cards because of their pledge that our money will be protected against just such fraud. I believe that this protection has gone out the window with internet transactions. It is worrying that these big firms can hold our details and use them electronically without a by your leave to gain illegal payments. Until the law is altered to prevent this happening, we poor buggers can chase for it.

The policy was cancelled as he returned the renewal certificate that was provided and requested cancellation. It is not a DD but a Debit Card payment from my Visa Debit. I just find it illogical that VISA regulations differ from bank to bank. He had a similar problem recently with his card from Lloyds who merely charged back the amount, but Halifax seem to not want to care.

Dear Emma81 I haven't yet made any contact with the insurance co as the transaction was done on my sons computer whilst I was staying with him. Do you think that may also help?

I logged onto my online banking on 15/8/07 to find that I had a debit charge that I did not immediately recognise from my account. I telephoned Halifax immediately to enquire what the charge was about and was told it was in relation to motor insurance. I told them that I had not authorised the transation and my card was stoped and reissued. I was told that this was a fraudulent transaction that it would be passed to the Fraud department and someone would contact me. On 23/8/07 I was contacted by an official from the Fraud dept who initially told me that I had to chase for the return of money myself giving the reason that I had dealth with them previously. I told them that I felt I should not have to chase for a transaction I had not authorised or agreed to and that the bank acknowledges is fraudulent. I was told that forms would be sent to me for completion and once these were returned the Fraud department would determine whether it should be referred to the police for further investigation or whether I would get my money reimbursed. I have determined that the transaction was an automatic renewal for my son's car which I had paid for a year ago and he has since gone elsewhere. In the meantime Halifax have increased my overdraft limit so that I can continue using my account; of course the overdraft is incurring interest charges which I am not happy about. Should I chase the insurance company myself? Or should Halifax chase them on my behalf and reclaim chargeback? Who should be responsible for overdraft fees? What is the best course of action?