Hello
I in bit of a pickle.
I have been recently buying some credit from a gaming company through the use of debit card online about..
. 6 times now and
my last transaction was on the 8th of July.
Now, everything was fine and dandy UNTIL the 10th of July,
I was charged £9.99 out of no where by the gaming company which I never authorised.
Now, this was very unexpected, if I did not notice this in time,
I could have been billed £30 or more,
by my bank due to insufficient amount of money in my account after the charge
(gym membership payment every month, £14.99 every 20th of each month,
£2.05p was left after the the unauthorised charge)
but luckly I checked my transaction and was able to deposit enough money.
I contacted the company (through emailing/tickets) about this and they said that:
" Your last transaction was on the 8th of July, we have not received any payment from then".
I showed them the screenshot of the charge from my statement and explained to them (2 replies in 1 month )
"If my last transaction was on the 8th of july... WHY WAS I CHARGED £9.99 on the 10th of JULY?".
=Now they said that they had no record of the transaction.
..not a trace from their system on their side so they told me to cancel and ask for refund from bank (santander)
I called, they said that I was unable to "dispute" the charge due to the fact that:
A: It was an Unathorised Charge B:
It could not have been fraud and the lack of information they had etc.
So in summary.. I'm kinda stuck here... could anyone give me some advise on what to do next or tips?
I thought it was fraud but... my card is like 5 months new...and this is the first time it has happened...and its just £9.99, and I'm smart to make sure my account and card is safe from people... and iv only used it Online like 8-9 times. 2 was Amazon rest was gaming company. Of course I should not waver the chances of fraud but I do highly doubt it.