Taxi Driver Online

would the theft act 1976 cover this after all they have taken money from your account ? if not I would have thought under the consumer legislation they can't take money from you and not provide the services it was for

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lack of modern legislation is the iceberg sinking the titanic of the transport sector

The problem is that the payment was authorised and it was for the service that they are providing. The service is just not being provided to me.

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Grandad,

My payment was authorised but I never received the goods/services. The fact that somebody else did is irrelevant.

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Note to self: Just because it pops into my head does NOT mean it should come out of my mouth!!

I think that you need to establish who (apparently) closed your account, (I assume that it was not you). Personally I would also request proof of cancellation - it is too easy an out for the company concerned to claim it was cancelled.

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if you cannot be yourself, then who can you be.

They are saying that the account was cancelled and reopened several times. Each time from a different email address but similar to mine. The really strange thing is that it seems like a lot of trouble to go to just to get £30.00. there is no other dodgy transactions on the account.

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Grandad,

I guess that you are not as such worried about £30, probably more annoyed than anything that a scam has happened.

What they are saying/claiming - is not actually proof! You have probably not noticed........but I can be a bit argumentive On the basis of that, and the fact that I would be fuming, I would be demanding proof of their claim. I would send the request/demand in the form of a letter, sent by recorded mail (recorded mail always makes them think, they will also take you more seriously).

The first step is to make them prove their claim (You want proof). Remember they have your hard earned money........that cannot be right.

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if you cannot be yourself, then who can you be.

It might seem like a lot of trouble BUT identity fraudsters use little scams like this to build up a "profile" of being the legitimate person later on you could find 10 s of thousands of pounds has been borrowed in your name it needs to be stopped NOW

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lack of modern legislation is the iceberg sinking the titanic of the transport sector

That's what I was thinking when I was typing that, I didn't want to tell you to get an external HD because you sound like someone who knows what he's on with.

I do keep a constant check on my credit file.

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Grandad,

Q. - who is paying for all the extra accounts then?

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Of all the things ive lost, i miss my mind the most

One would be cancelled and another opened, then that would be cancelled and another one opened.
There is a 12 month free period so in effect the account could be opened and closed as many times as you like using the same card details but it wont show until one of the accounts has been open for 12 months by which time the paper trail is almost impossible to follow.

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Grandad,

Surely the only people who could keep opening and closing the account are 1.You 2. The Bank. 3. Knowhow. To my way of thinking the Bank have to take responsibility as it is not normal for an account to be opened/closed numerous times if it is from their end. If the account is being opened/closed on numerous occasions at the Knowhow end, then that should also ring alarm bells. At the end of the day whoever is claiming the account was opened/closed i.e Bank/Knowhow then they have to think that something was not quite right.

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Common sense........is just not that Common.

You have missed the most important person on this list. The shop assistant who was given the card details in the first place. These transactions are not done by chip and pin but remotely using the 3 digit security code on the back of the card.
How many times have any of use used our cards to buy something over the phone or online? You are placing a great deal of trust in the other person because they can use that information for the legitimate transaction and any other transaction they see fit. If it is a debit card, like mine, you have very limited protection because you have actually given your information to the other party.

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Grandad,

Okay I was envisioning that the account was set up via the bank.

Imo fraud has taken place via (facilities that the bank have provided). Facilities that were made available to the retailer that you purchased from, facilities to the retailer Knowhow who took on part of the deal, and of course the bank who also make money. As fraud has take place they have a duty to investigate a failure of (their) banking system.

I would personally write to them pointing out that I would/will be closing all my accounts with them, as it is not my intention to be linked to any bank that is prepared to turn a blind eye to fraud. To my way of thinking it is worthwhile just to wake them up, also to see as a matter of goodwill as to whether they make good the loss.......just to make things go away.

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if you cannot be yourself, then who can you be.