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Living Room / Re: Be careful with your credit cards!
« Last post by Carol Haynes on February 15, 2010, 05:11 PM »The banks will not do anything if you paid via credit card, but will reverse the payment if you use Direct Debit.-Stephen66515 (February 15, 2010, 04:55 PM)
Actually in the UK the banks should respond to both claims as credit cards purchases are covered by the Consumer Credit Act.
The problem I encountered was the the bank insisted I get the magazine to confirm that they charged me the wrong amount. This seems an unlikely scenario to be acheivable and they wouldn't accept a copy of the order form I submitted as proof of price.
After arguing and insisting on speaking to a supervisor I got the bank to refund the difference on a temporary basis whilst they request further information from the magazine. I also contacted the magazine subscriptions department.
Strangley the subscription department never responded to my request but they did refund the overcharged amount to my credit card without further comment (about 6 weeks later). They obviously never responded to the bank requests either because the temporary refund the bank made has never been recinded so ironically I ended up with a double refund.
It still didn't really compensate for the bad feeling about future renewals via credit card (next time if I renew with an offer I will simply send a UK cheque for the amount specified) and it certainly doesn't compensate for the hassles, time and effort involved trying to convince a difficult credit card company and an uncommunicative subscription department.
