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80% => The 4D Q&A forum => Topic started by: Skinny Pete on Friday, October 23, 2015, 09:19:46



Title: Wrongly charged
Post by: Skinny Pete on Friday, October 23, 2015, 09:19:46
Just looked at my online bank statement and noticed 2 days ago a Visa charge of £56.10 from my local Co-Op. I am certain I have never spent that much in there in one go - just bread, paper sort of stuff.

Is there a way of challenging it?


Title: Re: Wrongly charged
Post by: Sippo on Friday, October 23, 2015, 09:21:00
Do you have a receipt?


Title: Re: Wrongly charged
Post by: LucienSanchez on Friday, October 23, 2015, 09:25:34
Did you get cashback?


Title: Re: Wrongly charged
Post by: Skinny Pete on Friday, October 23, 2015, 09:27:50
No receipt, no cashback.


Title: Re: Wrongly charged
Post by: LucienSanchez on Friday, October 23, 2015, 09:28:42
The cashier pocketed the cashback then, methinks


Title: Re: Wrongly charged
Post by: Sippo on Friday, October 23, 2015, 09:30:19
Without a receipt you have little of no chance. No Proof.


Title: Re: Wrongly charged
Post by: 4D on Friday, October 23, 2015, 09:31:50
I'd pop to the shop and see if they can help.


Title: Re: Wrongly charged
Post by: horlock07 on Friday, October 23, 2015, 09:39:49
Without a receipt you have little of no chance. No Proof.

Interesting that as I notice more and more shops now you have to ask for a receipt (Sainsburys for example) whereas previously you were just automatically given one.

I would go into the shop and kick off, they will be able to work back through the system to find the transaction which will state whether or not cashback was involved - do co-op like many make you sign a receipt to say you have been given cashback and acknowledge receipt?

If nothing else if the staff member is up to no good will flag it up and ensure they keep an eye on them.


Title: Re: Wrongly charged
Post by: Amir on Friday, October 23, 2015, 09:48:35
If you know the time of the transaction then they can check the cameras.


Title: Re: Wrongly charged
Post by: Sippo on Friday, October 23, 2015, 10:15:57
If you know the time of the transaction then they can check the cameras.

What will that prove? It'll be his word against the cashier.


Title: Re: Wrongly charged
Post by: Skinny Pete on Friday, October 23, 2015, 10:25:45
I don't think the cashier has done anything wrong - apart from hitting a wrong digit or something.

I've just talked to them and they are checking their end, but without a receipt they reckon there's not much they can do


Title: Re: Wrongly charged
Post by: Amir on Friday, October 23, 2015, 10:27:24
What will that prove? It'll be his word against the cashier.

Video evidence would mean it's his word against the cashier's?  ;D

It's happened to me before, although in a slightly different way. I got my money back after they watched the video to see what had been purchased.


Title: Re: Wrongly charged
Post by: 4D on Friday, October 23, 2015, 11:13:21
I don't think the cashier has done anything wrong - apart from hitting a wrong digit or something.

I've just talked to them and they are checking their end, but without a receipt they reckon there's not much they can do

With in store cameras and a computerised till? I imagine they should be able to do something.


Title: Re: Wrongly charged
Post by: suttonred on Friday, October 23, 2015, 11:14:07
Dunno call me a fantasist and a luddite, but if everyone carried cash, this sort of thing wouldn't happen.


Title: Re: Wrongly charged
Post by: Batch on Friday, October 23, 2015, 11:17:27
Dunno call me a fantasist and a luddite, but if everyone carried cash, this sort of thing wouldn't happen.

Yeah, I feel short changed by it all.


Title: Re: Wrongly charged
Post by: Skinny Pete on Friday, October 23, 2015, 11:20:37
Got to admit I rarely carry cash these days. There's very little reason to. Can even pay for pre-match beers in The Merlin by card.

The only cash transaction I miss is betting. Nothing better than picking up a proper wedge of folding from the bookies.

But I even do that online now.


Title: Re: Wrongly charged
Post by: flammableBen on Friday, October 23, 2015, 11:22:46
Just go an nick £50 worth of stuff. Sorted.


Title: Re: Wrongly charged
Post by: flammableBen on Friday, October 23, 2015, 11:29:59
Any updates? I'm sat here constantly refreshing desperate to know if this gets resolved.


Title: Re: Wrongly charged
Post by: horlock07 on Friday, October 23, 2015, 11:50:08
Got to admit I rarely carry cash these days. There's very little reason to. Can even pay for pre-match beers in The Merlin by card.

The only cash transaction I miss is betting. Nothing better than picking up a proper wedge of folding from the bookies.

But I even do that online now.

God I hate standing behind people like you in pubs! What is even more frustrating is students habits of insisting on buying their own drinks separately now being exacerbated by then each insisting on paying by card!

I meant to say - I assume you actually went into the shop on the day that the dodgy transaction occurred - its not just a scam?


Title: Re: Wrongly charged
Post by: Skinny Pete on Friday, October 23, 2015, 11:58:43
It's quicker than paying cash and waiting for change


Title: Re: Wrongly charged
Post by: Pax Romana on Friday, October 23, 2015, 12:20:52
With in store cameras and a computerised till? I imagine they should be able to do something.

This.

Completely absurd to say they cannot trace if you can specify the date and approx time.



Title: Re: Wrongly charged
Post by: suttonred on Friday, October 23, 2015, 12:31:21
Got to admit I rarely carry cash these days. There's very little reason to. Can even pay for pre-match beers in The Merlin by card.

The only cash transaction I miss is betting. Nothing better than picking up a proper wedge of folding from the bookies.

But I even do that online now.

Good luck to you when the complete banking system goes down. And it will. I always keep a couple of hundred cash in the house for that eventuality. I wont be looking longingly in M&S window flicking my useless piece of plastic. I will however get mugged for my loaf of bread when I come out of there though. But i'll still be feeling smug. Bruised but smug ;)


Title: Re: Wrongly charged
Post by: Simon Pieman on Friday, October 23, 2015, 14:28:22
You go to M&S for a loaf of bread? You flash fuck


Title: Re: Wrongly charged
Post by: anglia red on Friday, October 23, 2015, 15:40:37
A similar thing happened to me some years ago at a Diy store . I spoke to my bank and it turned out that for some reason I had paid for the following customers goods as well . So I suggest you contact yur bank


Title: Re: Wrongly charged
Post by: Reg Smeeton on Friday, October 23, 2015, 15:45:02
God I hate standing behind people like you in pubs! What is even more frustrating is students habits of insisting on buying their own drinks separately now being exacerbated by then each insisting on paying by card!

I meant to say - I assume you actually went into the shop on the day that the dodgy transaction occurred - its not just a scam?

Using a card in a pub is just wrong and should only happen in the gravest of emergencies.  I wonder if Cameron paid for Xi's pint of Greene King IPA by card.....sort of chap who would.


Title: Re: Wrongly charged
Post by: DarloSTFC84 on Friday, October 23, 2015, 15:46:41
You go to M&S for a loaf of bread? You flash fuck

I know right?!

FTR, I only go to M&S for my fettuccini, my brioche and my guava!

The rest of my shop I'll slum getting it from Ocado.


Title: Re: Wrongly charged
Post by: Talk Talk on Friday, October 23, 2015, 16:04:35
It's quicker than paying cash and waiting for change

If you tap your card (if they have a reader) then it's quicker than anything, even the right money cash. No receipt printing, nothing. Thirty quid limit also a bonus now.


Title: Re: Wrongly charged
Post by: suttonred on Friday, October 23, 2015, 16:16:45
You go to M&S for a loaf of bread? You flash fuck

Yup did this morning, problem is there is an M&S food 20 yards from the bottom of the drive. The next nearest is a Waitrose which if anything is dearer. Nearest Supermarket is an Asda about 2 miles away, and frankly you couldn't pay me enough to go in there. So M&S it is.


Title: Re: Wrongly charged
Post by: horlock07 on Friday, October 23, 2015, 16:18:15
Using a card in a pub is just wrong and should only happen in the gravest of emergencies.  I wonder if Cameron paid for Xi's pint of Greene King IPA by card.....sort of chap who would.

Agreed!! Our local now takes cards and offers cash back - excuse for a pint and avoid having to walk into town - but only time I ever use my card in such circumstances!


Title: Re: Wrongly charged
Post by: Batch on Friday, October 23, 2015, 16:35:50
I thought this thread was going to be about Auderey's mistaken contribution to operation yewtree


Title: Re: Wrongly charged
Post by: suttonred on Friday, October 23, 2015, 22:10:36
Don't worry Audrey will fix that..