Nothing looked off about the machine (I do check that as I am seriously paranoid about card skimming) and its not really in a place where someone could fiddle with it without being noticed (right next to the till in a quite busy store) The bank, however, claim that the first transaction made on the card..even before I used the ATM, was to this merchant. Though the money didn't start coming off my account until way after that. Its all confusing me so much

I have put in a switch request already. Switching to RBS as my partner has been with them for years and years and has never had a complaint about anything. I really don't know why I didn't just go to them to begin with..wish I had now as I don't think this would have happened with another company. I have no idea how anyone could have got my card details. This was a completely new bank account..the card came for it, the payments started showing a week or so later. I thought I had used the card before the payments started being requested but from what the bank says, I hadn't. Which is odd as I remember withdrawing cash the same day I received the card in the post.

I have calmed down about this now. Mainly as I have sorted my rent by selling a few things. Now I am angry at the situation rather than upset. I no longer have a mobile phone, a cooker or a TV in my sitting room. I will get these things back, but thats besides the point. I recieved the letter from customer relations this morning. They say that the bank have followed the correct guidelines in refusing my refund and that I still will not be getting one. Again as the merchant has my correct details. And because a payment to the merchant was the first card payment made on my new card so they think its genuine because of this. Honestly, I think thats even more fishy. They also claim that the payments that went out after I reported it had been made days before and just not left my account yet. First call - Told I would have a refund by 5pm and apologized to for the whole thing Second call - Told refund would now take 14 days as they have to investigate first. Third call - Told no refund would happen at all as merchant had my correct details. Fourth and fifth...same as third.

My previous posts seem to have merged into one and now it doesnt make sense? I think I am doing this posting thing wrong, I have never been on a forum before until I joined here. I have now edited it, and took out the spacing that has randomly inserted itself in the middle of sentences also Also yes, I was turned down for overdraft that I mentioned earlier.

Sorry I thought my reply earlier was to the OP of this thread, I see now I was wrong. Please don't fear the tribunal. They are independent and it sounds like you have plenty of evidence to back you up.

It usually works out that (if possible) IS is more than ESA when carers allowance is involved. Also ESA..is not a good idea really. Your mum will have to go to fit for work tests and such which do not have a great track record of being honest.. I would advise not to switch to ESA, or at least speak to the CAB about the options.

Did the decision change without a tribunal? Congratulations on getting your rightful award though finally. The stories I head about these 'medicals' are truly shocking. I do not understand how the word of your doctor, consultant and whoever else is involved in your care can be overwritten by the likes of a retired midwife with 3 weeks disability training.

I highly suggest taking in the letter in person, unless this will stress you more. if it will maybe someone else can take it in for you? And yes, customer relations are unfortunately for the most part, useless.

They stopped the day I took the letter into the store and told them in no uncertain terms that coming to the door again would result in the police being called.

Sorry this is happening to you. My partner had issues with this company last year. They were calling at her house 10 times a day despite knowing she was in hospital at the time and were trying to bully whoever was looking after the kids that day into making her payments? They even got my mother (who does anything she is told, she has terrible anxiety issues and can't deal with any kind of conflict) to call the hospital to ask my partner if she would call the store and make a card payment over the phone, thats how bad it got. We did put in a letter removing their right of access, plus contacted customer relations. Asked for a statement of everything paid so far so we could claim back late fees and such, these never arrived and we have had no further contact from brighthouse. The account is still defaulted which we would pay off the balance on if they would send us the details that we asked for. As it stands, nothing is being paid.

OK I have sent another. Do not expect a reply again though. Thank you for the help so far but I am really starting to feel this is a lost cause. I have my landlord breathing down my neck (rightfully) as I do not have his money. I have no way of getting it right now, I can lend it off my father in 2 weeks but by then it will be even more late. The whole situation is just ridiculous to me. How on earth it can be said that these payments are not fraudulent as the merchant has my name, address and DOB (which were provided to them by myself anyway in order to 'locate'/close the account that had been set up with my card...)I really don't know. ------------------------- On phone again to them now, still unwilling to help. Reckon this matter is no longer being dealt with by fraud/disputes but by 'customer relations'. Refusing to budge or tell me why I am not entitled to a refund. I am in tears. I may actually be evicted over all of this and they are just palming me off over and over again. --------------------------- OK I am actually slightly hysterical now. They have me in tears again, unwilling to help at all, keep going on saying they sent me a letter yesterday about my complaint, they can't tell me the reason I am being blamed for the fraud, which is what they are doing by refusing to accept it. I am a mess right now. I don't know what I am going to do. The thought of losing my home through begin a victim of fraud has just broken me. They are going to email me to let me know if its possible for me to get a temporary overdraft so I can pay my rent, but I am not optimistic about that given the lack of concern from anyone I have spoken to about mt situation. I dont even see why I have to get an overdraft but its the last thing I could think of. I will be turned down though..I already know it, they only agreed to look into it to get me off the phone And still no reply from CEO either

I sent an email to that email address 2 weeks back. Here is the exact email, please tell me what I did wrong? or help me with what to put into the new one As I stated earlier, I didn't get a reply at all to this.

Yorkshire bank. I'm not sure how to argue this, as just get put through to supervisors who repeat the same thing over and over at me and say they cannot help as the correct details are held by the company so this means this cannot be fraud and there is nothing they can do about it. Also I don't know why my previous post spaced out in the way it did, I did not do that.

OK will take that letter in tomorrow, thank you Unfortunately the bank has now made perfectly clear that I will not be getting a refund for the fraud, so the rest. .I don't really know what to do about it? I actually mentioned the FCA thing to them and they reckon that as this merchant had my address, name and DOB this means that I did authorize the transactions?! Seems a bit crazy to me.

I think chargeback is what I tried to do. I asked to speak to fraud and was put through to retail disputes It has been reported to actionfraud already, though from what I gather they tend to use reports mainly for statistics rather than actually investigating. The card was cancelled already. I am not sure how on earth this could have happened to be quite honest. It was a new card though..like literally the week before the payments started, I was sent the card. I apparently need a letter of deadlock to take this onto the ombudsman..which I have now asked for. The bank seem to think that a reply to the complaint I have made will suffice though, despite me being told it HAS to be a letter of deadlock? I have never gone through anything like this before and I seem to be getting told different things from all companies involved.

I sent an email to him back when I was told I had to wait the 2 weeks for a refund after being told that I would have one by the end of the day. I have not had a reply yet. But thank you

Yes thanks. My bank is Yorkshire bank Won't be for much longer though.

Hello. I hope I have put this in the correct place, I am seriously in need of some advice. Over the christmas period, a number of payments disappeared from my bank account totalling over 400 pounds overall. The name on my statements was 'virtue fusion' and after checking it appeared they own a bunch of gambling sites, however I did not know which site the payments were made on, I sent an email to every site that is operated by this company. Eventually, after a bunch of no matches... I received an email back stating that the account was on a certain site. They told me my details did not match the details on the account (not surprising as the account was not mine) and advised I send in a bank statement to show the transactions. They also asked for my correct details and said they had now blocked the account. My father advised me to call my banks fraud department as they would be able to issue a refund for the fraud while the investigation by the company was ongoing. I did this and was told I would get a refund by 5pm that day. No refund arrived I called the next day only to be told the refund would now take 2 weeks. This wasn't fine as such but it wasn't a problem as my rent was not due until yesterday, which would have been the 14th day. However, still no refund arrives. I called back today and have now been told that I will NOT be receiving a refund at all as the company in question has my correct details on record (name, date of birth and address. All of which they asked me for in order to close the account). Now, how this means it wasn't fraud to start with, I don't know BUT, the company already told me they did not have my correct details and have obviously replied to whatever the bank sent them with the details that they told me I HAD to give in order to close the account on their site. I am now late with my rent and have no way at all of finding 400 quid from nowhere. My bank is refusing to help, while the company just keep asking for bank statements. My bank reckon its safe to send the company my bank statement but given they have deceived me so far anyway, I don't feel too safe doing so as I feel it could be used against me further down the complaint in some way. I also do not really see what good it would do as clearly they aren't willing to help me given whats happened so far. My question is, what now? I am completely screwed for my rent. No-one seems willing to help and large companies appear to be lying in order to retain MY money that has been spent on their site fraudulently. I am so upset over this it is unreal. I haven't cried in years but I have been crying ever since I hung up the phone to my bank, out of both frustration and worry. I have never had fraud on a bank account before ever, but I always assumed that if it did happen, the bank would be on your side. Apparently not. I am unwilling to just let this go as it is such a large amount of money to me and its the principle of it all too to be quite honest. There has to be something i can do about it all.