Online credit card fraud

[Redstar7]

Hello, i recently sent off for a SAR and recieved all my statements from the credit card company. i have made some online purchases with my credit card and some purchases that i made i believe i was conned. eg (i never recieved the item, later investigation the website was a [problem])

so what i want to know pleases is what are my rights, what steps do i take (letter wise, template libraries) to get this money which was fraudantly taken from me?

Thaks a lot in advance

Redstar7

[blacksheep1979]

how long ago was it?

[buzby]

The issue would have been addressed without recourse to a SAR, the problem is your CC has only a limited time in which to challenge and obtain a cashback for the transaction. You really need to keep a lid on your purchases and ensure any purchase made is delivered, and if not queried, chased then if all else fails, pursue your CC co for a reversal, but time is of the essence, and you have to share the obligation with your bank to trade responsibly.

[Redstar7]

how long ago was it?

 

hmm a transaction that is 2years old..

surely i can still have some rights over this?

[Redstar7]

The issue would have been addressed without recourse to a SAR, the problem is your CC has only a limited time in which to challenge and obtain a cashback for the transaction. You really need to keep a lid on your purchases and ensure any purchase made is delivered, and if not queried, chased then if all else fails, pursue your CC co for a reversal, but time is of the essence, and you have to share the obligation with your bank to trade responsibly.

 

ahh, i did not SAR the credit card company just because of this matter, i am in the process of claiming back my charges, as i was searchng through i found a couple of dubious debits on my statements which i definately did not make myself.

[blacksheep1979]

theoretically you could still chase the fraudulent charge but I doubt you would get anywhere as a very reasonable question which would come up in court would be 'why have you left it so long?'

[StudentInDebt]

I got a chargeback on an Amazon marketplace transaction that I never received, I think it was about 4 or 5 months after the original charge. AMEX refunded me immediately after I told them that it had never arrived and I had exhausted the Amazon Marketplace procedures.

[blacksheep1979]

4 months and 5 years are quite different though - four months can quite viably pass with you trying to settle the matter other ways - ie I bought tickets to something that was canceled 3-4 months later and after waiting 2 months for a refund (with no joy) got a refund. However 2 years will prove tricky for the retailer to investigate and the same for the credit card, especially if there has been little or no communication regarding the transaction in question.