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Overpayment charged on credit card

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Dear Friends,

Please can someone advice and help on this issue.


I went to a Pub with some friends in East London in October 2013.


I ordered some drinks and snacks for myself.


At the end of the night my bill was £25 and I paid by my credit card.


When I returned home and looked at my credit card till receipt

I realised that they had charged me £250 instead of 25

and I had entered my pin without seeing the amount.


called them up the next day and discussed the mistake

and they admitted and agreed to refund if I went down to them.


went back to the Pub in evening but found them to be closed

and there was a notice saying 'Closed for refurbishment'.


called them on the phone a few times but no one was picking up.

I went back again after a week or so and they were still closed.


This cycle of events went on for few days.


I complained to my Credit card company (Tesco),

who said that at the first instance I should try and get the refund back from the retailer as that would be easier.


After trying twice with the Pub which was still closed,

called my Credit Card again and asked for a Reclaim from the merchant.

I also put this in wrting on their specific form.


After about a month they got back saying that Mastercard (the credit card company)

is not allowing the refund of the Disputed transaction.

So they cannot help anymore.


The reason given by Mastercard was that I am not able to produce any paper proof

or bill of only £25 and not 250.

This is true.


The pubs only give you a total amount due to be paid and you pay.


They do not give itemised bill like restaurants.


The payment slip I had is for the £250 that I paid by mistake instead of 25.


The Pub has since closed down and there is another Pub opened at the same place in a different name.


When I went there and spoke to the new people

they say they do not know the previous owners

and have nothing to do with them.


However, i doubt that they are the same people doing business in a different name now.


All the above facts are absolutely true.


It was a genuine mistake on my part not to check the amount before confirming payment on credit card.


I overpaid £225.


Please advise as to what can be done now to get my £225 back.


Whom and how do I approach?


Is there any hope?


Many Thanks and Best Wishes.



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that's not quite right try section 75


give the FOS a call on Monday





please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi probe


You need to get statements from your friends to back up your claim that only £25 worth of drinks was consumed that evening.


Then write a Formal Letter of Complaint, mark it as such. Explain what's happened (The Pub took more then they were entitled to, agreed to refund, but failed to do so), how they have let you down (telling you to contact the pub after you asked them to carry out a Chargeback) and what you want them to do (refund the overpayment amount).


Explain that if this matter is not resolved forthwith then you will take the matter to the FOS, then they will have to pay the FOS £500 to look into the matter. Send the statements from your friends with the letter to the CEO.


Send it to :-


Mr Benny Higgins

Chief Executive

Tesco Bank

[email protected]


Let us know what they say.

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