r/Glasgow Tools

Title
Author	dddiamonddd
Comment	Nah mate. They will ask why. You cannot just "cancel" the payment, even if it's pending, and especially not if it's cleared. It is, by definition, not a fraudulent payment because OP provided their card details to this garage, presumably expecting to maybe make a payment. When you provide your card information and a payment is taken but you don't get what you expected (or you're charged too much, or whatever), it's not fraud from the perspective of the bank, it's either a scam or a contractual dispute depending on the circumstances. The problem is that they took a payment that OP believes (by the sounds of it, correctly) was outside of what was agreed. That isn't fraud. This is a contractual dispute, and OP could certainly dispute the payment with their bank, but literally the first question they'll be asked is about whether or not they have gone through whatever channels they can to resolve it directly with the company in question first. If he hasn't made a reasonable attempt to resolve it with the company, he's extremely likely to be told no and told to go do that first. Because part of a dispute process involves submitting evidence of attempts made to resolve the problem, so he's gonna have to at least try to resolve it with the company first regardless. Source: worked for a bank for 6 years, with several years of that being in the department OP would be calling to start a dispute. /u/mushroomfandango do what you can to try and get them to refund you, but if you don't get a response within a reasonable amount of time (say a week), or you're unhappy with the response, phone your bank and say you want to dispute the charge because the business has charged you for something that you didn't agree to before you put your car in with them.
Reddit Link	https://www.reddit.com/r/glasgow/comments/i8gsf2/rant_drivers_autocentre_firpark/g191nxp/
Created	Wed 12th Aug 2020 9:05pm
Status	normal ()

Nah mate. They will ask why. You cannot just "cancel" the payment, even if it's pending, and especially not if it's cleared. It is, by definition, not a fraudulent payment because OP provided their card details to this garage, presumably expecting to maybe make a payment. When you provide your card information and a payment is taken but you don't get what you expected (or you're charged too much, or whatever), it's not fraud from the perspective of the bank, it's either a scam or a contractual dispute depending on the circumstances. The problem is that they took a payment that OP believes (by the sounds of it, correctly) was outside of what was agreed. That isn't fraud. This is a contractual dispute, and OP could certainly dispute the payment with their bank, but literally the first question they'll be asked is about whether or not they have gone through whatever channels they can to resolve it directly with the company in question first. If he hasn't made a reasonable attempt to resolve it with the company, he's extremely likely to be told no and told to go do that first. Because part of a dispute process involves submitting evidence of attempts made to resolve the problem, so he's gonna have to at least try to resolve it with the company first regardless.

Source: worked for a bank for 6 years, with several years of that being in the department OP would be calling to start a dispute.

/u/mushroomfandango do what you can to try and get them to refund you, but if you don't get a response within a reasonable amount of time (say a week), or you're unhappy with the response, phone your bank and say you want to dispute the charge because the business has charged you for something that you didn't agree to before you put your car in with them.