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Amercian Express Issue - Not Charges


MondeoST24
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I recieved all copy statements today, added charges up £190, thats now in progess.

 

However, I also noticed something else which has annoyed me.

 

About 3 years ago I had a business selling stuff on eBay, computer stuff, mainly components memory, CPU's etc.

 

At that time being a new start business I couldn't get a business credit card, so I was using personal ones for purchases then just drawing a cheque back from the business to balance it.

 

Around Christmas time I noticed someone selling xboxes on another auction site, they were cheap I figured I could double my money on eBay with them, the feedback was okay, I took the risk and bought 3 for £300 + shipping. American Express via Paypal, very naive I know but we learn.

 

Anyway you probably know the story, the user account/feedback had been bought and it was just a [problem]. Contacted Paypal, they said they couldn't do anything as there was no money left in the sellers account to refund. Lost my money.

 

I phoned the police in Durham, where this seller allegedly was. Police very helpful knew straight away when I mentioned the name the copper said, go on mate how much has she done you for?

 

We got onto how I paid for them, American Express - he said phone them now and tell them whats happened. Theres a good chance they will just reimburse you.

 

Phoned them, someone from that department will call you back

Phoned them, we are dealing with it, someone from that department will call you back.

Phoned them, yes we have investigated and the money will be credited to your account.

 

Phoned the copper back he said, glad you got the refund however it means now that no crime has been comitted against you so I can't do anything ! ??

 

Soon after that I got a settlement figure and paid the card up, never checked if they had indeed credited this money. I know now they didn't

 

Can I pursue this? I'm waiting for the full subject access request as i'm hoping it will contain details of the telephone conversations mentioned above.

 

Any other advice?

First Direct, £4031 Recovered

Halifax, £953 Recovered

MBNA Credit Card, £120 Recovered

American Express, £160 Recovered

Coming Soon......

Blackpool Council, £190 in unlawful parking tickets

Carstoppers. £50 from the cowboy clampers

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Guest Lueeze

I would presue it with a vengence!

 

They must have records of you calling!

 

If you know the dates then thats great!

 

Good Luck

 

Lou x

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  • 1 month later...

Taking Lueeze's advice one step further - why don't you demand your records under the DPA?

 

It would be worth paying the statutory maximum fee to see the remarks they have made on your records. Then you will have proof that they said they were going to refund you.

 

Please see the Library for template letter.

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Thanks, I am on with this matter at the moment.

 

Basically I have a non-compliance issue with my DPA request, They have responded with a silly form to fill in, and they have credited the £10 fee to my card account (which has been closed for two years so I now have a credit balance of £10)

 

I'm planning an action to force compliance so I can get the information, i.e. telephone conversations etc.

 

As an aside they have paid the £160 I was claiming for late payment charges.

First Direct, £4031 Recovered

Halifax, £953 Recovered

MBNA Credit Card, £120 Recovered

American Express, £160 Recovered

Coming Soon......

Blackpool Council, £190 in unlawful parking tickets

Carstoppers. £50 from the cowboy clampers

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  • 12 years later...

This topic was closed on 09 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

First Direct, £4031 Recovered

Halifax, £953 Recovered

MBNA Credit Card, £120 Recovered

American Express, £160 Recovered

Coming Soon......

Blackpool Council, £190 in unlawful parking tickets

Carstoppers. £50 from the cowboy clampers

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Thread Locked

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Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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