duplicated credit card debit...from 1998

May 01, 2004 24 Replies

In 1998 I bought a PC and paid with a credit card. The PC didn't work so I returned it. The company that sold it rang me up about 3 months later to say it looked like they'd charged my card twice and ony refunded me once, so they owed me money.



I said I couldn't imagine this would have happened without me noticing, and anyway I'd moved and had no way of looking at the statements, so I let it go. I was so caked up with dosh at the time that I wouldn't have noticed



1,600 anyway.

I just rediscovered the CC statements I mislaid and they were right: I *was* billed twice for a 1,600 PC.



The company's not the same company any more. Can I claim my money back?


It may be out of time now. 6 years is the maximum.

Unless they acknowledge the debt. That restarts the limitation period.

Only if they do this before the 6 year period expires.

In any case, why would the be this stupid?

tim

It was August 1998, so not quite 6 years.

Would one approach the card company or the merchant?

For legal action. But the right to the money remains.

[ie.general; uk.legal added]

Eh ?

Because a) it's good business and b) most people prefer to be honest.

OTOH, there's a lot of stupidity about.

[ie.general,uk.legal added]

Oh, the CC company indubitably !! They apparently recognise no time limits.

[ie.general,uk.legal added]

Not so. If it's acknowledged outside the 6 years, that also resets the limitation period.

You must be rolling in it to pay £1600 twice!

(Not that I know what this is about; someone snipped the context and crossposted to uk.legal)

Follow-ups noted and left as is.....

Why I know not but it was for adding uninterested newsgroups such as ie.general that Rhoy the Bhoy hit my killfile a very long time ago.

Acknowledging the debt after 6 years and 1 day does not restart the clock again.

The period will have expired forever.

No it isn't, paying off someone else's debt in the hope of getting future business is a mug's game

Banks do not generally fall into this category.

Starting with the person who didn't notice 1,600 quid disappearing from his account

tim

I suggest that you go an ask this on .legal (it was only discussed a few months ago, someone may be able to find you a link, I CBA)

tim

I was, at the time. I'd just been paid 40,000+ redundo money and walked straight into another, better-paid, job. The 1,600 hit one statement then was cancelled and redebited in the next.

Things have changed so I'm wondering if I can blag my dosh back.

Because

  1. Irish people experience these problems

  1. Another thread I cross-posted to ie.general deals with similar issues

  2. The issues are legal.

Re-set.

were right: I

my money back?

Only for issuing court proceedings.

message

they were right: I

claim my money back?

Both, I suggest.

[ie.general;uk.legal restored again]

message

limitation

restart

Authority for this ?

getting

It's not someone else's AIUI . "Is now another company" does not necessarily mean that.

[ie.general restored]

"Cerumen" wrote in message news:c75vfu$7b5$ snipped-for-privacy@kermit.esat.net...

newsgroups such as

Well, obviously, as I said before, like, all credit to blinkered prejudice, but at the end of the deah, when did he get appointed as a representative of ie.general, he being an Englishman and all ? (not that he is anything but welcome here in the Rebel County).

BTW, given that so many Irish companies sell to UK credit card holders AND that so many Irish people use credit card to make major purchases from the same companies and many others AND that there is no ie.legal or ie.finance, AND that I am a denizen of ie.general of long standing AND that another denizen has made an important contribution to this thread (or an associated one) from ie.general,

I fail to see why any issue of relevance even arises.

Where in the ie.domain do you people suggest that discussions of these matters be conducted ?

His loss.

[ie.general restored]

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