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vodafone taken anauthorised payments, barclays bank won't help

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  • vodafone taken anauthorised payments, barclays bank won't help

    On the 26th of September i called Vodafone to make payment for my bill. My bill was a month behind with an outstanding balance for August bill at £97.99, the amount for September i owed was £49.16. I paid £15 on 08/08/2015 so that i could carry the august amount over to Septembers bill and pay them both, the balance to be paid on the 26th September was £132.19.
    Through the month of August i noticed that my bill totals made no sense, the amount i owed changed on a weekly basis, i rang Vodafone numerous times to discuss this and was told it was an error on the system and 'not to worry about it sweetie pie' by a very patronizing customer service agent. I however did just that, but noticed the amount i owed had gone from £132.19 to £230.41 with no justifiable explanation or reason explained on the bill by the 26th of September. I rang them again, spoke to a very nice young girl who said it was an error in the system she had logged it and said the balance was adjusted to what it should be i then paid the outstanding amount of £132.19 as agreed.
    On 26th September i was looking at my online banking and saw that two payments had been taken from bank account, £132.16 and another sum of £135.90. I rang vodafone straight away, a customer service person told me the wrong amount had been taken a refund had been made and would be in my account by monday as it was a saturday and banks were not open until monday. Monday came, no money in my account.
    I rang my bank to see what they could do, they said it wasn't a direct debit transaction, they had my card details saved and took the money out of the account unauthorised, because it wasn't a direct debit they could not reverse the charge and would be down to Vodafone to do so, i was told a refund should take no longer than 5 working days at Barclay's bank, the bank advised me to request an email confirmation from Vodafone explaining that money was wrongly taken from my account and i could make a complaint with the fraud department who would investigate this as this was classed as fraud.
    So i then rang Vodafone again. Spoke to a lady this time, who told me the money had been taken because it was what i owed, my bill was now at £282.39. When i asked her to go through the bill and break the bill down to me so i could see why the amount so much, that i had rang about this bill numerous times been told it had been rectified and logged she said she was transferring my call to a manger.
    I then spoke to the manager, went through what had happened for the 5th time and was told that was how much i owed (no reason was given for this however) and in fact i actually still owed them £9 which was due by 02/10/2015, (even though my bill due date is the 25th of every month). By this time i was extremely frustrated, i had no answer of why the bill was so much, a number had just been plucked out of the air, i asked whether they actually do log conversations and asked him to read through it. Eventually, the manager told me there had been an error, he didn't know why and that he would issue a refund then. I explained that a refund should have been issued on the 26th as that was when i first rang and was told it would be back in my account by the 28th. The manager told me it hadn't been processed and that it would take three- five working days from the 28th to clear and be in my account. I asked repeatedly for a BACS transfer of the moeny to ensure it would be in my bank within 3 days as i needed this money to pay bills. I also asked for an email or text be sent to confirm that they had wrongly taken money out of my account and were refunding it to which he said he would send me one, i am still waiting for this.
    I rang again on 2nd October as the money still had not gone back in my account, was told by a customer service person that the money would be by the beginning of next week, that it takes 3-5 working days and she 'knew how these things worked'.
    It has been now been 10 days since i first rang and requested a refund, 7 working days excluding the weekends. I still do not have the money back in my account, my bank account has gone into arrears for which i have been charged £15, a bill that was supposed to be paid has bounced because i do not have the funds to pay it, i have incurred another bank charge for this. I am absolutely disgusted with how i have been treated by Vodafone, nobody knew what they were doing, i repeated several conversations with multiple team members and told different things on each occasion. I do not understand how a huge multi-million pound company can not reverse funds that they have wrongly taken in a timely manner. The fact that it was taken out of account unauthorized for a bill amount that had been plucked out of thin air because they had my card details is very worrying. This was not a direct debit but a transaction made over the phone, all my card detail have been saved somewhere on their system and used to make fraudulent payments.
    I have tried to log on to the Vodafone forum and log a complaint on there also, i have no login details to do so. I have been waiting the last 3 days for Vodafone to send me en email confirmation link to allow me to do so. I have also logged this complaint on resolver, a complaints site dealing in large companies. The complaint was for the attention of a Sarah Green, a complaints manager at Vodafone, to which i have had no reply.
    I have tried to call again today, to be held in a massive que for which i do not have time to sit in, i also begrudge having to explain the situation for around the 10th time to be told the refund is on it's way, however, nobody seems to know when, meanwhile my bank charges are increasing.I am a single parent my child is school meals i have no means of how to pay for them as my account is arrears. I have rang the bank today who have told there ar eno refunds, payments, funds waiting to be deposited back in to my account and the maximum amount of time for a refund would be 5 working days. I have also been advised that under the visa regulations law there is a maximum of 15 days allowed before a refund should be issued and deposited back in to a consumers account. It is now 11 days ago i first rang and asked for the money to be reversed. I am absolutely appalled at Vodafone and their costumer service.

    I also seem to have no luck with barclays bank helping me, i was given some advice that i should ask the bank to cancel the CPA and under rules of the FCA i should have a refund issued within 24 hours, the Braclays advisor placed me on hold went to speak to another deprtment came back and said because i had made payment over the phone for the bill it was an authorised payment not a CPA, i said that i had authorised the payment for £132 but not for £135 said he would speak to the other team again, placed me on hold, took me off hold, i heard him shuffling around a bit, placed me back on hold and then put the phone down.
    Tags: None

  • #2
    Re: vodafone taken anauthorised payments, barclays bank won't help

    I just saw this per chance!
    my mum has had similar problems with Vodaphone, taking monies out of her account, apparently it has to do with a system update blah blah blah.
    she wrote to the CEO in person, and explained that her DD went from £30pm to £70, then £140 and so on and so on. after 5 visits to store, 4 hours of being on hold, and no one able to even find her account, her letter to the CEO obviously worked, because it got resolved very quickly , apparently someone else did same thing

    im not sure if I'm allowed to post his details on here, or if I've still even got them. Just an idea that might help.

    Comment


    • #3
      Re: vodafone taken anauthorised payments, barclays bank won't help

      There's a Vodafone rep onboard, [MENTION=19723]Lee Vodafone Company Rep[/MENTION] may be able to help. :thumb:

      Comment


      • #4
        Re: vodafone taken anauthorised payments, barclays bank won't help

        Thanks guys, I will also write a letter to the CEO see if it helps. Thanks for adding Lee into the conversation also

        Comment


        • #5
          Re: vodafone taken anauthorised payments, barclays bank won't help

          Originally posted by sarahlouise8820 View Post
          Thanks guys, I will also write a letter to the CEO see if it helps. Thanks for adding Lee into the conversation also
          Unfortunately you are involved with the two worst companies in the UK for making mistakes and just making them worse!
          The Formal Complaint (s) to the CEO's is always the best way forward customer (dis) service is useless.

          nem

          Comment


          • #6
            Re: vodafone taken anauthorised payments, barclays bank won't help

            Did this payment come from a current account? If so get back onto Barclays and request a refund. If you did not authorise a payment you are entitled to a refund. They might ask you to fill in a form or some additional details but they cannot wilt hold the refund while you fill in paperwork and return it.

            Refunds can be refused on certain grounds but from reading what you've said I doubt they would have any grounds to do so. You can do this in a branch or over the phone but might be best to speak to someone in person. So regardless of whether they think it's fraud or not it's still deemed unauthorised and should be returned to your bank.

            The bank must also refund any interest or charges as a result of the unauthorised Payment also.
            If you have a question about the voluntary termination process, please read this guide first, as it should have all the answers you need. Please do not hijack another person's thread as I will not respond to you
            - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
            LEGAL DISCLAIMER
            Please be aware that this is a public forum and is therefore accessible to anyone. The content I post on this forum is not intended to be legal advice nor does it establish any client-lawyer type relationship between you and me. Therefore any use of my content is at your own risk and I cannot be held responsible in any way. It is always recommended that you seek independent legal advice.

            Comment


            • #7
              Re: vodafone taken anauthorised payments, barclays bank won't help

              It came out of my current account yes, i have made a complait with barclays bank about it, i've emailed the CEO of vodafone, I've logged the complaint on another consumer advice forum to which vodafone staff memebers have been linked in to and heard absolutly nothing back from anyone. We are now on the 12th day and i still dont have the money back in my account.

              Comment


              • #8
                Re: vodafone taken anauthorised payments, barclays bank won't help

                As per my above post go back to barclays and demand a refund of the unauthorised payment and all charges relating to the unauthorised payment - it will be the fastest way to get your money back.

                See this useful guide from the FCA on unuathorised payments -> http://www.fca.org.uk/static/documen...g-problems.pdf
                If you have a question about the voluntary termination process, please read this guide first, as it should have all the answers you need. Please do not hijack another person's thread as I will not respond to you
                - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
                LEGAL DISCLAIMER
                Please be aware that this is a public forum and is therefore accessible to anyone. The content I post on this forum is not intended to be legal advice nor does it establish any client-lawyer type relationship between you and me. Therefore any use of my content is at your own risk and I cannot be held responsible in any way. It is always recommended that you seek independent legal advice.

                Comment


                • #9
                  Re: vodafone taken anauthorised payments, barclays bank won't help

                  i have done this, i've told them it was an unauthorised payment and according to FSA guidline it should be refunded by them back in to my account. They told me because i gave my card details for the payment i had authorised it, both the payments came out at the same time. They won't listen to me that i never authorised the second the payment.

                  Comment


                  • #10
                    Re: vodafone taken anauthorised payments, barclays bank won't help

                    The fact that use of your card does not automatically prove both payments were authorised, generally the bank should take your word for it unless there are reasons to believe otherwise. Of course the banks are likely to make it difficult for you to have the amount refunded.

                    That being said, if you were advised this information over the phone by the bank then why not try speaking to someone in person or vice versa (being polite and calm always helps). Failing that you have obviously put your complaint to Barclays and you now have to go through the motions of the complaints procedure. If they still refuse to do so then you can refer to the Financial Ombudsman, it can also be useful to mention this as part of your complaint as if it does end up being referred, banks will have to pay £550 for the privilege.

                    As this is taking longer than anticipated and Barclays have not provided any substantial reason or evidence saying that you authorised both payments despite you only authorising one, you could also request compensation as a result. The fact that the unauthorised payment has put your account into arrears and incurred additional charges could give rise to this but don't expect a huge amount and a small sum <100 would likely be acceptable.

                    I appreciate you want your money back as soon as possible but it's highly likely the bank will have to meet incurred costs and charges as a result of this and put you back in the same position as if it never happened.
                    If you have a question about the voluntary termination process, please read this guide first, as it should have all the answers you need. Please do not hijack another person's thread as I will not respond to you
                    - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
                    LEGAL DISCLAIMER
                    Please be aware that this is a public forum and is therefore accessible to anyone. The content I post on this forum is not intended to be legal advice nor does it establish any client-lawyer type relationship between you and me. Therefore any use of my content is at your own risk and I cannot be held responsible in any way. It is always recommended that you seek independent legal advice.

                    Comment


                    • #11
                      Re: vodafone taken anauthorised payments, barclays bank won't help

                      Barclays are talking nonsense in refusing you the refund.

                      The only authorised transaction would be the first one.

                      Consent and withdrawal of consent

                      55.—(1) A payment transaction is to be regarded as having been authorised by the payer for the purposes of this Part only if the payer has given its consent to—

                      (a)the execution of the payment transaction;
                      or

                      (b)the execution of a series of payment transactions of which that payment transaction forms part.

                      (2) Such consent—

                      (a)may be given before or, if agreed between the payer and its payment service provider, after the execution of the payment transaction; and

                      (b)must be given in the form, and in accordance with the procedure, agreed between the payer and its payment service provider.
                      Giving consent for the first transaction does not give consent for any more.

                      Giving card details certainly does not give consent for more than one transaction, unless consent for that is specifically given.

                      Hence the 2nd one is unauthorised.

                      Point out to them AGAIN, that they are in breach of the Regulations and FCA guidance, so if they do not unconditionally refund the payment immediately you will be talking them to the FOS under a formal complaint.

                      https://www.fca.org.uk/consumers/fin...rised-payments

                      Why a refund can be refused

                      Your bank can only refuse a refund for an unauthorised payment if:
                      • it can prove you authorised the transaction – though your bank cannot simply say that use of your password, card and PIN conclusively proves you authorised a payment
                      • it can prove you are at fault because you acted fraudulently or, because you deliberately, or with ‘gross negligence’, failed to protect the details of your card, PIN or password in a way that allowed the transaction, or
                      • you told your bank about an unauthorised payment 13 months or more after the date it left your account, so make sure you contact the bank as soon as possible
                      http://www.legislation.gov.uk/uksi/2009/209/made

                      Evidence on authentication and execution of payment transactions

                      60.—(1) Where a payment service user—

                      (a)denies having authorised an executed payment transaction; or

                      (b)claims that a payment transaction has not been correctly executed,

                      it is for the payment service provider to prove that the payment transaction was authenticated, accurately recorded, entered in the payment service provider’s accounts and not affected by a technical breakdown or some other deficiency.

                      (2) In paragraph (1) “authenticated” means the use of any procedure by which a payment service provider is able to verify the use of a specific payment instrument, including its personalised security features.

                      (3) Where a payment service user denies having authorised an executed payment transaction, the use of a payment instrument recorded by the payment service provider is not in itself necessarily sufficient to prove either that—

                      (a)the payment transaction was authorised by the payer; or

                      (b)the payer acted fraudulently or failed with intent or gross negligence to comply with regulation 57.

                      Comment


                      • #12
                        Re: vodafone taken anauthorised payments, barclays bank won't help

                        Originally posted by FlamingParrot View Post
                        There's a Vodafone rep onboard, @Lee Vodafone Company Rep may be able to help. :thumb:
                        Clearly not.

                        Comment


                        • #13
                          Re: vodafone taken anauthorised payments, barclays bank won't help

                          Forget the lower tiers of stafff go straight to the CEO with any complaints

                          Comment


                          • #14
                            Re: vodafone taken anauthorised payments, barclays bank won't help

                            Lee, to be fair managed to get us our money back nearly £100 that vodafone lost in august...good eh. We got cut off and Lloyds bank and Visa were backing us 100% as they even had th authorisation code for the transaction. We spent far too long worrying about it.

                            Just checked my account, been charged £8-35 for late payment for october. Lee ( I thought) had cleared the account to the inherent cock ups that Vodafone were making. Been with them since 2010, this will be my last contracted mobile plan with them...roll on Jan 2017.

                            Where has Lee gone too? Anyone know?

                            Comment

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