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Online Scam

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By *elsh_lass74 OP   Woman
over a year ago

South Wales

I know, I'm stupid, but just looking for some advice

Bought a product and paid only p&p. Had email from them which stated more money after 14 day trail. Tried to cancel but they were asking for more money. So emailed them, and asked to cancel order before they sent it.

Order was placed 7.30pm on 28/2. Emailed them 1.30am 1/3

I them emailed my bank, explained what I had done and gave them the name of the company plus what they told me would appear on my statement. Asked bank not to authorise any payment to them.

Read online they take £100s and it's a fight to get it back. I'm in no position to lose any money at all.

Is there anything else I can do? Worried sick about this and finding hard to sleep

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By (user no longer on site)
over a year ago


"I know, I'm stupid, but just looking for some advice

Bought a product and paid only p&p. Had email from them which stated more money after 14 day trail. Tried to cancel but they were asking for more money. So emailed them, and asked to cancel order before they sent it.

Order was placed 7.30pm on 28/2. Emailed them 1.30am 1/3

I them emailed my bank, explained what I had done and gave them the name of the company plus what they told me would appear on my statement. Asked bank not to authorise any payment to them.

Read online they take £100s and it's a fight to get it back. I'm in no position to lose any money at all.

Is there anything else I can do? Worried sick about this and finding hard to sleep "

Ring the bank Cancel your card ? Report it as lost , no one can take a payment from a cancelled card . Cost of a replacement card would be cheaper I'd say

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By *elsh_lass74 OP   Woman
over a year ago

South Wales

That would be an idea. As I gave the card number and not bank account

But now I've told the bank would they not be suspicious?

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By (user no longer on site)
over a year ago

Why did you only pay p&p?

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By *elsh_lass74 OP   Woman
over a year ago

South Wales


"Why did you only pay p&p?

"

That was the offer. Hindsight, such a great thing

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By *dam1995Man
over a year ago

mullingar

Op you are not stupid we all make mistakes i would advice getting rid of card cancel and get new card andcan you not report this as fraud to bank you have proof

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By (user no longer on site)
over a year ago


"That would be an idea. As I gave the card number and not bank account

But now I've told the bank would they not be suspicious? "

It's your card bank should have a phone number to report lost or stolen cards , you get a new card with a new number and they can't take any money from your a/c , not sure what the cost is but I'm sure it's worth it for piece of mind

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By (user no longer on site)
over a year ago

Deffo cancel your card and ask for a new one...before they take anything else..x

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By (user no longer on site)
over a year ago

Out of curiosity what was the product?

Have you got the wording of all the t&cs you agreed to.

Is it a subscription prpduct or one off item.

Refuse delivery if it arrives

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By (user no longer on site)
over a year ago


"That would be an idea. As I gave the card number and not bank account

But now I've told the bank would they not be suspicious?

It's your card bank should have a phone number to report lost or stolen cards , you get a new card with a new number and they can't take any money from your a/c , not sure what the cost is but I'm sure it's worth it for piece of mind "

But this woulsnt affect any payments authorised before the card was reported wpuld it

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By (user no longer on site)
over a year ago


"That would be an idea. As I gave the card number and not bank account

But now I've told the bank would they not be suspicious?

It's your card bank should have a phone number to report lost or stolen cards , you get a new card with a new number and they can't take any money from your a/c , not sure what the cost is but I'm sure it's worth it for piece of mind

But this woulsnt affect any payments authorised before the card was reported wpuld it"

Yes but would stop the future ones and couldn't op say it was lost yesterday and have anything after that time reversed ?

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By *ce WingerMan
over a year ago

P.O. Box DE1 0NQ

A bank shouldn't charge you for cancelling and ordering a new card, well Lloyds don't anyway.

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By (user no longer on site)
over a year ago


"That would be an idea. As I gave the card number and not bank account

But now I've told the bank would they not be suspicious?

It's your card bank should have a phone number to report lost or stolen cards , you get a new card with a new number and they can't take any money from your a/c , not sure what the cost is but I'm sure it's worth it for piece of mind

But this woulsnt affect any payments authorised before the card was reported wpuld it

Yes but would stop the future ones and couldn't op say it was lost yesterday and have anything after that time reversed ? "

It would only stop new future not ones she'd already authorised that come at a later date.

And she could but that eould be fraud and the bank wouldn't be hapoy about it

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By *VBethTV/TS
over a year ago

Chester

You can grant continuous authority to debit your card like that. Definitely cancel it.

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By *elsh_lass74 OP   Woman
over a year ago

South Wales

Thank you everyone for the advice. Just rang the bank and cancelled the card.

Said I'd lost and it's been blocked. New card in 2 days

Weight off my mind. Thanks again

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By *ce WingerMan
over a year ago

P.O. Box DE1 0NQ


"It would only stop new future not ones she'd already authorised that come at a later date."

If the card is cancelled before any payment is taken, then the OP should be ok. If it is proven to be fraud, the bank may well reimburse the money anyway depending on the particular circumstances.

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By *elsh_lass74 OP   Woman
over a year ago

South Wales


"That would be an idea. As I gave the card number and not bank account

But now I've told the bank would they not be suspicious?

It's your card bank should have a phone number to report lost or stolen cards , you get a new card with a new number and they can't take any money from your a/c , not sure what the cost is but I'm sure it's worth it for piece of mind

But this woulsnt affect any payments authorised before the card was reported wpuld it

Yes but would stop the future ones and couldn't op say it was lost yesterday and have anything after that time reversed ?

It would only stop new future not ones she'd already authorised that come at a later date.

And she could but that eould be fraud and the bank wouldn't be hapoy about it"

It's the future payments I was worried about. I can forgive the £3 if that goes and put it down to experience, it's just the larger amounts I can't lose.

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By (user no longer on site)
over a year ago

Your bank works for you! You tell them what to do with your money they are simply holding it for you! So tell them no payments are to be made to that company

Your agreement is with the internet company doubt they would chase you through the courts if they are running a scam!

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By (user no longer on site)
over a year ago

This happened to me so your not alone. I just cancelled my card, reported it lost. Had another delivered within 3 days...

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By (user no longer on site)
over a year ago

Also if you think it's fraudulent contact the fraud line. Unfortunately my mum was victim to a scam before Christmas and lost £650 they were really helpful.

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By (user no longer on site)
over a year ago


"That would be an idea. As I gave the card number and not bank account

But now I've told the bank would they not be suspicious? "

Probably not. And even if they are so what. Just cancel your card as lost

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By *ndigo40Woman
over a year ago

secret town


"I know, I'm stupid, but just looking for some advice

Bought a product and paid only p&p. Had email from them which stated more money after 14 day trail. Tried to cancel but they were asking for more money. So emailed them, and asked to cancel order before they sent it.

Order was placed 7.30pm on 28/2. Emailed them 1.30am 1/3

I them emailed my bank, explained what I had done and gave them the name of the company plus what they told me would appear on my statement. Asked bank not to authorise any payment to them.

Read online they take £100s and it's a fight to get it back. I'm in no position to lose any money at all.

Is there anything else I can do? Worried sick about this and finding hard to sleep "

What did you order?

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By *icplshropsCouple
over a year ago

Rock

Don't worry. You're covered by the long distance selling act, which allows you to cancel orders and subscriptions within 14 days (I think) on receipt of the order. You've emailed the company, so keep that as proof of cancellation. If the product arrives, send it back immediately.

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By *unandbuckCouple
over a year ago

Sheffield

Just be 100% certain to send it back in its' original packing by recorded delivery.

If not, they can say you took the goods and just didn't pay. Keep all the records of the purchase and return.

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By (user no longer on site)
over a year ago


"Don't worry. You're covered by the long distance selling act, which allows you to cancel orders and subscriptions within 14 days (I think) on receipt of the order. You've emailed the company, so keep that as proof of cancellation. If the product arrives, send it back immediately."

This

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By (user no longer on site)
over a year ago


"Just be 100% certain to send it back in its' original packing by recorded delivery.

If not, they can say you took the goods and just didn't pay. Keep all the records of the purchase and return."

And this, whatever you do do not open it.

Just wrap over the original and send it recorded delivery

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By *appy4ever2000Couple
over a year ago

Birmingham

This is a common scam. I got fooled by this one too. They get your card details to pay for 'postage' for free body lotion, but in the small print you have agreed to pay so much each month for repeat orders. It's probably a company in Canada. They ripped me off for about £80, but the bank refunded me.

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By (user no longer on site)
over a year ago

cancel the bank card , or ask the bank to close that account and open you a new one

do this asap otherwise money will start to dissapear.....

perhaps call the ASA now , advertising standards agency , they too will give you advice , there website and numbers on google

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By *appy4ever2000Couple
over a year ago

Birmingham


"cancel the bank card , or ask the bank to close that account and open you a new one

do this asap otherwise money will start to dissapear.....

perhaps call the ASA now , advertising standards agency , they too will give you advice , there website and numbers on google

"

The ASA have no power here because they are a foreign company.

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By *ost SockMan
over a year ago

West Wales and Cardiff

This isn't any practical help, but don't feel bad about this.

I think many perfectly intelligent people make slip up with security. I actually advise people on online security as part of my job and I fell for something a year ago. Almost cost me a lot of hassle, had I not come to my senses.

What I learnt from that is - don't do sensitive security/financial stuff when tired, half awake, stressed or in a rush (and certainly not some combination of them all)!

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By *elsh_lass74 OP   Woman
over a year ago

South Wales

Thank you all. All the advice has been extremely helpful x

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By (user no longer on site)
over a year ago


"Just be 100% certain to send it back in its' original packing by recorded delivery.

If not, they can say you took the goods and just didn't pay. Keep all the records of the purchase and return.

And this, whatever you do do not open it.

Just wrap over the original and send it recorded delivery "

Refuse delivery

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By *ob2493Man
over a year ago

kent

Any type of email off of eBay or pay pal is a scary if it doesn't correspond to your bank statement I get 3/4 month and I dnt use pay pal

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By *unloversCouple
over a year ago

rotherham

The lady has already said she has now cancelled the card so problem is solved

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By *innamon!Woman
over a year ago

no matter

I use paypal for online payments you can add a travel money card that you put money on too.

I dont like any online stuff going through my bank. I also use a CC for on line bigger purchase gives you some protection at least

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