> Bank Fraud?

Bank Fraud?

Posted at: 2015-07-28 
My girlfriend ordered some products off the internet. She paid £2.95 for a free trial and then today she checked her account and they had taken a further £79 that had been taken out of her account. She went into the bank and they explained that the money hadn't left her account and was 'pending'. They also stated that they couldn't reverse the transaction.

Apparently somewhere deep within the T&C's it states that she will be charged the 'promotional rate' and the bank operator said that this is legal as they've stated this in their T&C's.

I've had a look on the internet and people who also bought items of this website, managed to get their money back, but the bank said that they couldn't reverse the transaction. Which I find odd as something similar happened to myself, and I got all my money back.

Would there be a reason to why they said they can't give her the money back? And was wondering if anyone has been in a similar situation and managed to get their money back.

We have two small children so £79 is quite a lot of money to us.

Thanks

A free trial does not mean you get to keep products. Every free trial is only a trial, meaning it has to be cancelled and the unused products returned within 3-10 days (whatever it states on their website) or you will be charged the full amount. This is not fraud. It would only be fraud if there was nothing in the T&Cs about being charged. But if it is there, then it was unfortunately your gf's mistake for not reading everything before she signed up

Agree with christmas past

But the 7 days in the distance selling regs only applies if they send you a wriiten copy of the contract via mail of email.

(the regulations require they send you a "durable" copy for your records cos THIS is the contract that applies to you and cannot be changed. Information on their web site is NOT good enough cos they could change that the day after you sign up)

If they dont then the cancelletion period can be up to 3 months + 7 days

(its paras 7_1_a , 8_1, 8_2 and 11_3

If they dont then its 7 days aFTER they do send a copy

a LOT of companies dont send this info and then claim you have to cancel within 7 days.

THEY ARE WRONG

Once you have emailed the conpany to cancel under the distance sellign regs - get a copy of rhe email - take it your bank and tell them they CAN cancel it even if its a recurring payment

(there was a rulling several months ago that stated there is nothing to prevent banks cancelling recuring paymants which compaies often use in place of direct debtis.)

It's not fraud, it's your gf not reading what she agreed to.

The bank has nothing to do with her getting her money back. The transaction is legitimate, the bank must honor it.

let me guess, she ordered something from amazon and decided to use the free amazom prime trial to get it delivered for nothing.

no, it's not fraud, she just didn't read the small print.

the good news is they will refund it if you haven't used it yet.

https://www.amazon.co.uk/gp/help/custome...

If this is in the UK, it is covered by the Distance Selling Regulations. You have 7 days to change your mind and get your money back. Go to the web site, follow the link for "contact us" and tell them that you no longer want the goods and you want a full refund. If they attempt to get out of their obligations, contact the Trading Standards department at your local council.

If it's in the T&C, it's technically legal for them to take it, but if you scream and make enough noise, they might refund you. I never used to read the T&C's but I do now as the world just seems hell bent on robbing each other. Why don't we as people stand up in the masses and make such practices illegal? I don't think that they should be allowed any small print at all.