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Re: Credit card companies "assisting" fraudsters. Can I do anything mo

Subject: Re: Credit card companies "assisting" fraudsters. Can I do anything more?
From: "Andy Pandy"
Date: Sun, 17 Jan 2010 14:46:28 -0000
Newsgroups: uk.finance


"Peter Saxton" <peter@xxxxxxxxxxxxxxxxx> wrote in message 
news:1sl3l5pjf8gphihu72ifko9mqll7tlat9q@xxxxxxxxxx
>>>>Tell you what, go to the police and ask for a crime number. See what
>>>>they say.
>>>
>>> They'll go to their trusty manual "How to reduce the crime statistics
>>> and do as little work as possible" and then say that no crime has been
>>> committed and it's a civil matter.
>>
>>Go to the police complaints committee (or whatever they're called). Or 
>>your
>>MP. Let them laugh at you.
>
> Can you explain what the purpose of that stupid comment was? Is it
> related to your protestations that when somebody has money taken from
> their account unauthorised they are not a victim?

There's a incorrect charge on the account. That's all you know. You know 
nothing else, not why, not that it even was a fraud (rather than a mistake), 
and no evidence as to where the problem occurred. The correct procedure is 
to report it to the bank, let them investigate, establish if it was actually 
fraud, and if so they can provide the evidence to the police if they or the 
retailer (who has been defrauded) want to pursue. The only reason for even 
considering going to the police would be if the bank refuse to refund the 
charge, and even that would be pretty pointless because the first port of 
call should be the financial ombudsman and if they rule against you it's 
unlikely the police would consider there is any evidence to pursue a 
criminal charge.

If you get an incorrect item on your bill in a restaurant do you call the 
police immediately, or do you query the charge with the waiter first?

--
Andy



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