Having pondered on a legal angle for redress - failed FOS - found this forum and looks like you helpful people could provide a quick yes or no.
*If nothing else, you will find the circumstances entertaining
Q: Do I have a case for county court (BCOBS or similar) and, more importantly, is it worth it?
Had a credit card with documented £2500 credit limit
Card was on approx £2200 - close to limit
Visited a friend in Krakow.
Talked into visiting a bar.
Turns out its a strip club.
Strong reason to believe was drugged (hours missing, sick for 3 days etc, visited A&E on return).
As I stress to all my friends now - do not go in those places. Ever.
If you want to read the experiences of others see:
https://cutt.ly/FrxXkd9 Club VIP Krakow Google Reviews
It is these stories which have reaffirmed my original thoughts that I was drugged too, anyway.
Genuinely, I'm not looking for sympathy or security advice just a simple legal perspective, if nothing else, someone may avoid such places in future.
2 transactions x £750ish = £1500
Was already into £6000 arranged overdraft with irregular income from self-employment
My understanding was I had £7k arranged but FOS say they have evidence from bank saying it was £9k.
Point being that I believed it went over my arranged overdraft.
I'm considering these a lost cause now.
Limit was £2500
Balance was approx £2200
1 transaction >£1000 took me £700 above credit limit
No phone call from bank, no fraud prevention. Didn't even know of credit card transaction until got call to discuss repayment.
I wasn't aware that credit cards could go over their limit.
I may be naive but I always thought that was part of their fraud prevention appeal.
Nearly killed me dealing with this debt when it happened - January 2016.
FOS totally useless.
Bank acted reasonably as PIN used.
But going substantially over the credit limit at 2am in a foreign country in a club?
And with the number of complaints (someone is preparing a class action),
how are these places not on some sort of fraud prevention list?
In short, any chance of redress for the £1000 + interest charges on the credit card transaction? BCOBS?
Any case history or otherwise which can direct whether there is any point with a small claims.
It seems very unreasonable to me.
Not really the circumstances to agree a credit extension.