Tinkerbell
Well-Known Forumite
I am grateful if anyone is on here knowledgable about fraudulent transactions and chargebacks..
I left my phone in a bar loo in Fuerturventura ..... yes like a complete idiot I took off pass code because I was taking photos ....
I got my phone back from someone who said it had been handed in. I never gave it another thought.
It transpired that someone had a little shopping trip on my apps. (eBay, booking.con mainly) eBay I was able to cancel but there was a few bookings made on booking.com which I cancelled.
On the day before we were travelling back to UK I couldn’t get money from my bank account so I rang them and they told me about two pending transactions for a hotel in Lanzarote . I told them it was a fraudulent transaction, it was a booking via an app on my phone which was cancelled. They cancelled the pending payment and I thought I was safe. At 9.30pm that night my bank sent me a snotagram telling my to put funds in my account. The hotel had reapplied for the money (£2700) and they just took it.
I again rang my bank (HSBC) and they had not cancelled my card. Which they then did refunded the money and said they now do an investigation.
They say it takes 60 days. If they can get the money refunded its all okay but if not I will have to pay the £2700 .... for a holiday that doesnt exist.
Has anyone had a similar experience .... what is the likelihood of the bank recovering the money. I am panicking that they will just take the money back from me.
I have rang and they said they are still investigating and to leave it with them. Apparently I just wait 60 days ......
I know I’m an idiot for leaving my phone and debit card in the phone which is why they could have their little shopping trip - something that won’t be repeated.
Thank you for any advice given
I left my phone in a bar loo in Fuerturventura ..... yes like a complete idiot I took off pass code because I was taking photos ....
I got my phone back from someone who said it had been handed in. I never gave it another thought.
It transpired that someone had a little shopping trip on my apps. (eBay, booking.con mainly) eBay I was able to cancel but there was a few bookings made on booking.com which I cancelled.
On the day before we were travelling back to UK I couldn’t get money from my bank account so I rang them and they told me about two pending transactions for a hotel in Lanzarote . I told them it was a fraudulent transaction, it was a booking via an app on my phone which was cancelled. They cancelled the pending payment and I thought I was safe. At 9.30pm that night my bank sent me a snotagram telling my to put funds in my account. The hotel had reapplied for the money (£2700) and they just took it.
I again rang my bank (HSBC) and they had not cancelled my card. Which they then did refunded the money and said they now do an investigation.
They say it takes 60 days. If they can get the money refunded its all okay but if not I will have to pay the £2700 .... for a holiday that doesnt exist.
Has anyone had a similar experience .... what is the likelihood of the bank recovering the money. I am panicking that they will just take the money back from me.
I have rang and they said they are still investigating and to leave it with them. Apparently I just wait 60 days ......
I know I’m an idiot for leaving my phone and debit card in the phone which is why they could have their little shopping trip - something that won’t be repeated.
Thank you for any advice given