Overdrawn due to unauthorized transaction

[JANHARPS]

Delete please.

[R0b]

Re: Overdrawn due to unauthorized transaction

Hi Jan,

You have two options here. First option is to submit a formal complaint against the bank. Your reasons being that they should not have accepted the evidence when it does not identify you and therefore no evidence to show authorisation was given. They have of course been negligent as a result of that and if you are unable to get any joy with the bank and cannot locate the merchant to bring a claim then I would say there is grounds to bring a claim against the bank for negligence.

Second option as above is to take the merchant to court for recovery of the amount provided you have sufficient information about the merchant or ask the bank for the address of the merchant.

If you pay for a solicitor your going to be even more out of pocket as this seems something that could be resolved yourself, it's nothing complex. If you do instruct a solicitor your not going to recover your legal fees except for £100 and that's barely enough for an hour of a solicitors time.

Did the bank put all of this in writing? I am curious about the fraud score. It sounds like they may have put a marker against your name for potential fraud but I don't know unless you have a letter with an explanation of what they have said.