Hi to all and firstly I would just like to state what a site of interesting information this is on most aspects of disputes, Im astounded.
I open this new thread as I cannot find anything in regards to people with similar circumstances to mine so if there is one I apologise.
I write for any information that might help with a pending court case with my credit card provider over fraud on my card whilst on holiday in riga.
I will write a brief nature of events.
Me and three friends arrived in riga after seeing copenhagen stockholm and talinn we go on road trips every year purchasing a car from ebay and seeing places of interest. We arrived in riga on the 22nd and went out into the old town for dinner and drinks we finished the evening by going into a bar underneath our apartment for a drink before bedtime. I ordered a coke to which the barmaid did not accept cash payment so gave my hsbc card over she said it had declined so gave my a & l debit card over again declined i disputed this she shouted you must pay to which security came over and demanded payment, to which my friends came over and persuaded them to accept the correct change to which my friend had.
The next day I cancelled the cards to which they stated a bars eight was withdrawing thousands from my accounts. This place however was not called bars eight. Anyway I cancelled the cards which left me with my egg and abbey zero card.
On the evening of the 24th we visited what looked like a sports bar on the main street called the lord pub we all drank beer and I got talking to a student girl at the bar. My friends left and I stayed with this girl for further drinks at her place in which I ended up passed out on her sofa. I awoke the next day to find my wallet on the floor the next day to which I picked up and we both went to the internet cafe. I checked my online statement to make sure no further transactions were made. I asked this girl wether she would like to meet my friends for lunch and she said yes so i returned to our apartment told my friends to get ready to go out for lunch to which we returned to internet cafe to find shed gone, I didnt think anything else of it.
I returned on the 27th september to find this bars eight had withdrawn monies on my egg card and tried but failed on pin entry on my abbey card. The affected accounts all had the same pin. This bars eight also ran transactions through whilst at home in england on the cancelled cards but the hsbc representative stated he allowed it to go through as evidence of fraud as i was home. I thought my whole identity had got stolen furthermore I realised my national insurance card was missing. To put this into perspective the perpetrators tried to get in total over 13,000 pounds.
I immediately felt that the initial bar that was responsible for this activity was the first one as stated as it was blatently obvious to me that fraud was taking place by the barmaids actions. But I stated that i didnt pass my egg card for payment because i was sure i didnt. Obviously egg disputed this and declined to refund me this has caused so much confusion and torment I felt i had to prove this whole case and bearing in mind I had visited so many places on our holiday I was pulling my hair out egg didnt give me receipts to determin the merchant or anything.The case eventually got refered to an ombudsman and whilst this was happening I was researching the places i visited in riga.
I found that these bars I visited have been well known for card fraud and extortion and have been deemed unsafe places to visit, had I known this i would not have visited these places. The transactions that took place happened between 9 and 10 in the morning and these businesses are shut at this time. I requested egg to send receipts to confirm the merchant they did not do this so all my evidance was secondary source material from other peoples experiences and warnings from embassies not to visit these places. So I have supposedly authorised transactions that completely wax all accounts to this bars eight.
I was paying interest on transactions I was not reponsible for plus penalties accrued due to insignificant credit. Both hsbc and a&l refunded my money but egg did not.
I proposed that the first bar was responsible for the egg transactions because they all came out under bars eight the ombudman stated that she cannot safely conclude that fraud took place but this isnt to say that I am not an innocent victim of fraud so sided with the bank. I was devastated and continued researching more into it.
I reported this to the latvian tourist and development agency about my experience and the person stated this has been going on for a long time and that when media attention hits these places they simply shut and reopen under a different name. I asked why are they not shut for good and he stated that all they can do is pass the information to the police and they are powerless to do anything because of latvian legislation allows them to commit these offences, incredible!!!. I eventually received a letter from the riga police in latvian, nice. I eventually translated it and what I made from it was that they have decided not to launch criminal proceedings as an offence never took place due to page 3,5 or there criminal process which basically confirmed what the person from the latvian tourist agency confirmed. There are also reports that the whole system is corrupt and adopts communist principles and that these places in question are operated by the russian mafia, I just cannot believe all this. This has caused me so much heartbreak as I just know i was fleeced of everything I worked so hard for and am an innocent victim.
I noticed one singularity with the transactions that differed on my egg statement than that to the others and that was that it says bars eight ka and the others just say bars eight. As i collected my research I knew that the first bar where i initially suffered the fraud was vagnera street underneath our apartment. the lord pub was kalku street, if ka at the end of bars eight on my egg statement is the street name this would be the lord pub as it was the only bar I visited on that street and this brought me to the attention of this girl I met and found my wallet on the floor where i thought id just dropped in my drunken stupor. I feel ive been subjected to some seriously organised crime whilst in riga but egg are having none of it.
I am trying to claim against egg for negligence based on all the information i have given them they failed to contact the merchant or supplied receipt so that if needed take legal proceedings with the merchant. This is what hsbc and a and l did. All egg have done is supplied an audit trail and refused recompence, once i had the new evidance in regards to the lord pub and that this bars eight ka I passed it onto the ombudsman. Because I had already started legal proceedings with egg she could not act on it. These places have now been closed forever after the president got involved and new legislation has been introduced to diminish these business motifs. I blame my credit card provider as if they had requested receipts I would have been in a position to take the lord pub to court this is shameful as im not in a position where I can locate the owners.
I filed my claim on moneyclaim and gave egg notice of intentions. Claim was issued on 03/02/10 and deemed to be served on the 8th. they had to the 22nd to reply to which they didnt. I gave them an extra week quoting the claim number and my intentions to apply judgement by default on the 1st march so i gave them an extra week. I applied judgement by default on the 1st march to which this has been rejected. Egg phoned me and asked for the claim number but i was on a train and didnt have the info but explained to her that they were in the emails i sent to you and the summons addresed to egg. This is a blatent lie as I phoned on the 23rd to make sure the customer relations received all emails and correspondance to which there response was that they had and they have passed it on to the legal department. Then I get a phone call asking for the claim number as they deny having it. I do not believe the amount of stress this is causing me they have sent me to hell and back. I have since had my judgement by default rejected six days after I could have enforced it.
I cannot help but feel Im gonna get screwed in court with legal jargon with egg being in there professional field.
I just feel if theres any advice anyone can give me I would greatly appreciate it I have been let down by every institution I have placed my trust in and feel alone in this........... please help.