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Take Money 9months aftera transaction


5bellies
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Hi,

I bought an insurance policy for travel last year.

I bought it at the end of May, submitted my card details.

I was never charged at the time, and never sent any details of the policy.

 

Closer to the date of travel I chased them, and as I couldn't locate any information relating to the transaction I assumed it had not gone through.

 

I checked with the company, gave them date of travel, but they came back with a policy that had already gone.

 

So I purchased another one to cover the trip.

 

Lo and behold I check my bank and find they have debited my account using the card details I presented in May 2011 on the 5th Jan 2012.

 

I have two issues, First

If they make a mistake and dont charge me should they be able to just take money out 9 months later.

They must have stored the CVV number to authorise the transaction.

 

Second.

As When I checked prior to the holiday I had no policy documents sent to me, and no payment - I assumed that the transaction had not gone through. I then bought a new one.

 

Where do I stand?

 

5bellies

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