Hello. I am new here and didnt know where else to ask to be quite honest.
I have made a right mess of managing my bank account and need some advice.
Back in August, I
began saving money every week for my electric/gas bill which was due on the 1st September.
I get charged quarterly and it is usually around £250.
The £253.17 that the bill actually was was in my bank on time (to my knowledge).
Now here is where it gets a bit tricky.
I checked my bank a few days after the bill was due and sure enough, the balance was about £20, which meant the bill had been taken.
I thought nothing more of it, until
this month. I received a letter from EDF informing me that my account is in arrears.
It appears they never took the payment (mind I don't know why its taken them 2 months to contact me about it )
I don't understand much about banks,
I asked my son to check my online banking.
He went back to my august/september statement and it appears an online gambling company have taken 25 payments of £10 over the course of 3 weeks.
The funny thing is, I used to actually use this company, but I self excluded in November of last year.
I have NOT used their sites since then, partly because I don't think I could (self-exclusion means your accounts are closed and you cant open more)
and partly because I self excluded as I thought the site was dodgy.
.so why would I put any more money into it.
this other company took my gas bill money.
I don't know if it was actually the company, or someone accessing my account (that should have been closed according to the companies policy)
but something strange has gone on here, and I definitely did not authorize any payments to that site.
I have tried speaking to the site in question but have pretty much been palmed off with
'it was an error on our side not closing your account, and the money was spent by someone.. so you aren't getting refunded'
I told them as they are unwilling to investigate,
I will raise the issue with my bank I am aware of something called chargebacks
as I did one a few years back when I was double billed for something
(the company who doublebilled me actually advised I chargeback as it would have taken 7 days to get a refund from them, whereas chargeback is in a few hours)
My question is can I actually charge back 25 transactions in one go?!
They are all to the same company, all for the same amount too.
I have checked and I am still within the 120day limit.
Just..its going to be fun explaining to my bank why it has taken this long to actually realize there were fraudulent transactions.
I seriously need to keep an eye on my fiances from now on, I realise its partly my fault for not checking statements and such