Uzumlu Butcher - fraudulent card payments

[friar tuck]

quote:Originally posted by cadavanti

Hi Stephen
You do not mention what bank you use, however it should make no difference,when your card transaction is being processed it goes through an authorisation centre.sometimes when they are busy the transaction will return as unauthorised this is due to time scales, this can happen a few times so is not the retailers problem as he has no control over it.
It can then happen that the authorisation centre then recieves the origional request which is then authorised.now that you have your statement with the duplicated transactions you  should contact your bank and advise of the matter. the bank will then dispute the transactions with the retailers bank and hopefully refund your money,
There should be no need to contact the retailer as banks will take action

This is exactly what happened to me and the credit card company made it as difficult as possible for me, it was only after several phone calls and letters that they agreed to refund the money that was paid to Migros through there mistake, no doubt Migros kept the money paid I don't know, but my argument with them was that it was a mistake on either there equipment or that of Migros either way it was NO fault of mine and as I said they eventually paid up.
I am not having a go at you Stephen but I do think you may bring more pressure on the banks to help you solve this problem, they will of course deny that there equipment is faulty they always do if it means they have to give cash back.
I really do think this thread has run it's course now good luck to you Stephen and if we do meet up in Uzumlu I will certainly buy you en Efes or two.

[Crabbit]

quote:Originally posted by stephen4355

I think I am being generous in my balanced reflections given the gravity of the experiences..
Stephen  

You`re being more balanced than I would be in your position  

[stephen4355]

F Tuck Hi... Thx... I think you miss the point with respect. If
the butcher has not had the funds credited from my account as indicated then fine. He can say and prove and no problem. If I am a good customer why would he not want to level with me and help? If it is a bank problem then fine but the reality is the account payment details on my statement provide not just account details but also account name too.

I am big enough to be seen to and admit to being wrong ..Even bigger to apologize too... However.. I have seen nothing to persuade me the butcher has not had and been in receipt of the funds. Until such time as this is resolved the topic regretably will remain live. It will also remain live until there is a publicly posted response either from Eddie or on his behalf apologizing unreservedly for his actions last night.

I look forward to a beer with you, but if it is beholden on the end of this thread then that will be a matter for others to make that happen by their actions.
Stephen  

quote:Originally posted by friar tuck

quote:Originally posted by cadavanti

Hi Stephen
You do not mention what bank you use, however it should make no difference,when your card transaction is being processed it goes through an authorisation centre.sometimes when they are busy the transaction will return as unauthorised this is due to time scales, this can happen a few times so is not the retailers problem as he has no control over it.
It can then happen that the authorisation centre then recieves the origional request which is then authorised.now that you have your statement with the duplicated transactions you  should contact your bank and advise of the matter. the bank will then dispute the transactions with the retailers bank and hopefully refund your money,
There should be no need to contact the retailer as banks will take action

This is exactly what happened to me and the credit card company made it as difficult as possible for me, it was only after several phone calls and letters that they agreed to refund the money that was paid to Migros through there mistake, no doubt Migros kept the money paid I don't know, but my argument with them was that it was a mistake on either there equipment or that of Migros either way it was NO fault of mine and as I said they eventually paid up.
I am not having a go at you Stephen but I do think you may bring more pressure on the banks to help you solve this problem, they will of course deny that there equipment is faulty they always do if it means they have to give cash back.
I really do think this thread has run it's course now good luck to you Stephen and if we do meet up in Uzumlu I will certainly buy you en Efes or two.

[Eric]

Just out of interest, what is the amount of money we are talking about here?

[winehouse_uzumlu]

Hi Stephen.. Just a short question .. Which bank's ''debit'' card was it !!?  'cause some banks transaction is diffucult and might be trouble and post machine swipe trouble . Was that Turkish Bank's debit card  or English bank where you had that debit card from England ?

[stephen4355]

I used my English bank account / English Barclays debit card. I use it extensively and have never experienced any other problems. It is only reasonable that the supplier should co-operate with the customer to resolve such issues. As far as my bank is concerned, payments were made and authorized with my pin and therefore credited to the retailer as documented on my statements.

[peecee]

Must admit, if the customer can prove from statements that payments have been taken twice, for the same amount, within the space of a few seconds/minutes I would have thought the retailer would be honour bound to pay the money back (especially if the customer then paid in cash as well).  It is much more difficult to get money back on debit card payments.
Just a thought but perhaps the person 'working' the machine wasn't quite sure what they were doing?

[stoop]

This could be an honest mistake or a scam or a bank error but whichever one it is I really think it shows that it's not always the best thing to go public on these matters - especially when libeling someone who's business is his livelihood.

Maybe it would have been better to get a local Turkish/English speaking person to mediate in this instance to find out if the money had definitely been credited to the butcher's account. Then a course of action could have been decided. Trust me I work with these machines and they are far from 100% accurate.

[calvin 1949]

quote:Originally posted by stoop

This could be an honest mistake or a scam or a bank error but whichever one it is I really think it shows that it's not always the best thing to go public on these matters - especially when libeling someone who's business is his livelihood.

Maybe it would have been better to get a local Turkish/English speaking person to mediate in this instance to find out if the money had definitely been credited to the butcher's account. Then a course of action could have been decided. Trust me I work with these machines and they are far from 100% accurate.

I Could not agree with you more i think that you have repeated every thing that has been posted .Stephen i think it is time to lay this to rest ,until your next visit out here ,when i am sure there are many among us who will help you and Eddies Father sort out your problem letting this incident pray on your mind cannot be any good for you ,as i said before life is to short i am sure when things have calmed down a satisfactory outcome to all parties can be achieved,Regards Calvin

[stephen4355]

I have not libeled anyone, just merely reported the incident having had no co-operation from the retailer. It almost certainly was an error initially but to ignore repeated requests to help rectify the issue is bad form. I am fully aware that bank card readers can be at fault however all the card transactions were made and authorised by my pin. All the transactions appeared at the time not to go through so I paid all in cash. After that the payments appeared on my statement debited to the account name and numer of the butcher retailer. What difficulty is there in confirming or denying those payments are recieved or not? I have had no response so going public on here warns others to use their cards with caution and allows people to draw their own conclusions about buying from that shop.
I make no apologies for either going public or warning others of this regretable experience. Having had the reaction from Eddie the Son of the butcher I guess at least they are now thinking about how this might be resolved and indeed how Eddie might avoid very serious charges resulting from his dangerous driving and threatening abusive behaviour with a wooden baton. Given that aggression it is hardly a matter for me to be exercising discretion. I have still yet to report and make a formal request for charges but I most certainly will if I do not see an public unreserved apology and agreement to fully cooperate in having my over charges repaid.

quote:Originally posted by stoop

This could be an honest mistake or a scam or a bank error but whichever one it is I really think it shows that it's not always the best thing to go public on these matters - especially when libeling someone who's business is his livelihood.

Maybe it would have been better to get a local Turkish/English speaking person to mediate in this instance to find out if the money had definitely been credited to the butcher's account. Then a course of action could have been decided. Trust me I work with these machines and they are far from 100% accurate.