Credit Card Fraud & Merchant Abuse

For far too many years now - the Credit & Debit Card User has been subject to the denial of the Retailer/Merchant/Bank/Card Issuer to fulfill their liabilities under UK & EU Legislation.

For these Organisations the Internet has been a 'double edged sword' in the sense that:

It has opened up a Global Marketplace which has allowed both Legitimate Traders - and not so Legitimate Traders to operate form almost anywhere in the world - in some cases this has been a cost cutting exercise by running their business from low wage areas - however - in other cases it has been a deliberate act to allow them to escape the rigid Consumer Protection Legislation that exists in the UK & Europe

The Internet has also opened up a portal through which the 'man in the street' has access to a world of information previously denied to them without recourse to seeking Legal Representation - which of course comes at considerable cost

However - much as all this information is out there and available - it is a virtual minefield trying to identify exactly which information and legislation applies to your individual circumstances

In the event that you feel that you have been de-frauded by a Retailer or Merchant Service - their are generally two prevailing situations:

The Retailer/Merchant is still trading

The Retailer/Merchant is no longer trading

Regardless of which of the above is the case - the good news is that recent changes in Legislation now offer several different avenues of attack for the Card User to recover their monies

Our Specialist Advisors & Senior Consultants are qualified to identify exactly which area of the many Legislative Acts apply to your circumstances - but more importantly - what Documentation will make the Retailer/Merchant or Card Issuer sit up and take notice and action a full refund for you

We will either use pre-prepared Templates that cover most circumstances - or will prepare personalised Templates on your behalf - in more complex cases this may involve a different process

These can be viewed on the 'Costs & Charges'   page on this web-site