Found odd transaction on 28 Degrees card; they say too much time has passed-too bad for me.

no idea on 29/01/2017 - 15:48

Hi

In my mission to transfer $ out of 28 Degrees, I found a statement from May 2016 with a very strange transaction of almost $500. There is no detail apart from a company name K87 Cleaning Mops. This does link to a website, but the website has no contact details and no information about where they are based.

I rang 28 Degrees and the guy said because more than 6 months has passed it's too bad.

I have looked at the terms and conditions and there is no mention of this, and I looked at the transaction dispute guide-also no mention of this. The T & Cs just say to call them as soon as you notice, which I did.

Am I out of luck?

Thank you

Financial

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Comments

  • Donaldhump on 29/01/2017 - 15:59
    +1

    statue of limitations, may limit this to 6 months. Just look it up for your state, but seriously I tend to agree with them, to much time has passed, thats your negligence to check earlier. Just like if a company didn't bill you for 6 months, they lose the right to bill you, and wear the loss.

  • no idea on 29/01/2017 - 16:03

    I agree that it's gone unnoticed, but my issue that I can't find any mention of a time limit-and this guy said there was. I have looked where he said it is written but couldn't find anything. I shall do some more digging. Thanks.

  • Mistymoo on 29/01/2017 - 16:09
    +12

    Why are you leaving it so long to check your transactions?

  • no idea on 29/01/2017 - 16:27

    My current interest is trying to find where it says I am limited to 6 months to raise a dispute.

  • markathome on 29/01/2017 - 16:39
    -2

    My advice:

    File a dispute. If it becomes clear from the dispute the transaction was fraudulent, file a police report. Take the police case number to 28 degrees, ask them to reconsider and mention you are considering going to the financial ombudsman. Go to the financial ombudsman.

    Do as much of this process as you think is worth it. It may pan out, it may not.

  • cnmarine on 29/01/2017 - 16:57

    Unless you spend like 10k a month, 500 is alot of money to just fail to notice.

  • no idea on 29/01/2017 - 17:11
    +1

    I called them again and they say it is a Mastercard rule not a 28 Degree rule that sets the limit to 6 months.

    Out of luck on this matter it seems.

  • akeno on 29/01/2017 - 18:10
    +7

    All credit card issuers in Australia are governed by the ASIC epayments code. You should be allowed to raise a transaction query on a Credit Card purchase that is within 6 years. The person you spoke to at 28 degreees may not be aware of this, but i am very sure the Complaints department at 28 degrees can assist you further with raising the transaction query.

    • Settero on 29/01/2017 - 18:36
      +3

      query =/= chargeback, chargeback is offered directly from the CC company ( visa / mc / amex ) each has their own rules

    • Diji1 on 29/01/2017 - 19:22
      -1

      They're probably reading a script prepared by someone who knows what their obligations are but doesn't want to meet them. Breaking the law is just business as usual for many of Australia's largest businesses.

  • John Kimble on 29/01/2017 - 18:30
    +1

    The standard chargeback window set by the schemes is 120 days.

    https://chargebacks911.com/chargeback-time-limit/

    Also, it is extremely unlikely that this is a fraudulent transaction (due to compromised card); as they usually clean out your card within minutes/days. One single $500 transaction 6 months ago is more likely something you or a relative authorised, but cannot recognise due to the poor/incorrect merchant name/length of time since the transaction.

    • Diji1 on 29/01/2017 - 19:25
      +2

      The site you linked to is a commercial web site selling a service that claims to be able to reduce chargebacks. The page has been made to collect leads by sending a worthless ebook to your email account.

  • retiredfeline on 29/01/2017 - 19:39
    +1

    So you don't remember buying $500 worth of mops? What about ordering a carpet cleaning? Can you remember the time around April/May 16? Like John Kimble says, I think it was a valid transaction but you have forgotten.

  • mbck on 29/01/2017 - 19:50
    +1

    Yeah some business have a different business name and company name. First time I got my credit card, I was super eagle eyed and thought I was scammed, seeing that I never bought things from some weird company names. Then realised my mistake.

  • djkelly69 on 29/01/2017 - 20:00

    Did you ask to do a chargeback, or were you reporting a fraud to them? Fraud definitely doesnt have a limitation period of 6 months.

    • John Kimble on 29/01/2017 - 20:25

      Are you suggesting it is more or less than 6 months?

  • no idea on 29/01/2017 - 20:04

    "The site you linked to is a commercial web site selling a service that claims to be able to reduce chargebacks. The page has been made to collect leads by sending a worthless ebook to your email account."

    I don't know what any of the means! It looks like a site selling mops to me, but I didn't click much further into it.

    It's weird to me because I don't use this card unless it's for travel. Or sometimes Amazon purchases. So I wouldn't use it for day to day things back home. We weren't overseas at that time, or around that time.

    "All credit card issuers in Australia are governed by the ASIC epayments code. You should be allowed to raise a transaction query on a Credit Card purchase that is within 6 years. " …so is it this or this… "The standard chargeback window set by the schemes is 120 days."

    • John Kimble on 29/01/2017 - 20:05

      A transaction query is not a chargeback.

  • no idea on 29/01/2017 - 20:06

    "Did you ask to do a chargeback, or were you reporting a fraud to them? Fraud definitely doesnt have a limitation period of 6 months."

    I said that I was concerned that this was a transaction that I didn't make.

    I didn't know the term chargeback.

  • no idea on 29/01/2017 - 20:07

    Can you quote posts here>I'm copying and pasting but is there a better way?

    • John Kimble on 29/01/2017 - 20:24
      +1

      Yes, see the formatting help section below the text box that you type in.

  • RockyRaccoon on 29/01/2017 - 21:03

    You are misleading when you discuss the T&C's

    The T & Cs just say to call them as soon as you notice

    28 degrees like many other providers use the term

    29.1 (b) you or the cardholder immediately and without delay notify us upon discovery of the loss, theft and/or unauthorised loss.

    Now the operative part here is when you became aware of the loss. You obviously paid the account (or paid the minimum). Now sometimes people miss small charges, but a $500 charge surely would stand out.

    You may have been travelling OS, and put funds on your account to keep the balance positive while travelling. However 6 months later is getting a bit long in the tooth. You do have some responsibility.

    Seriously 6 month later you discover this. How did this happen? Why did you check statements issued 6 months ago? Any test of being reasonable, would be that 1,2,3 statements ago, but 5-6 isn't the banks responsibility.

    Sorry but given your other posts you really need to get some idea of how to manage your money better beforehand, not afterwards.

    • kylebb on 29/01/2017 - 21:47

      Am I reading it wrong or does hit other thread imply he's not the primary cardholder?

      • John Kimble on 29/01/2017 - 22:08

        Yep

        • RockyRaccoon on 30/01/2017 - 05:07
          +1

          And another "new member" starting a weird "issues" discussion. with weird ideas.

          Why cant we have an L displayed on forum posts as well as Deals, so we dont get sucked in.

        • no idea on 30/01/2017 - 12:02

          @RockyRaccoon:

          Thanks so much for the warm welcome!

  • no idea on 29/01/2017 - 22:38

    Yes some time has passed. No one is denying that. Like I said the account is rarely used, and for that month it it was in positive balance. So the charge slipped through and wasn't checked because we weren't travelling-eg thought there was nothing to be paid. S*it happens.

    My query is there seems to be nothing that is clearly stated on the website about there being a six month limit. It's not something I've been able to find.

    If it's six months, then I'm out of luck. But I'd like to find where this is written.

    Thank you to those providing help. I appreciate it.

  • theHMASfriendship on 30/01/2017 - 10:25
    +1

    No chance that you went on an online mop binge at 3am after 3/4 of a bottle of wild turkey?

    • John Kimble on 30/01/2017 - 12:05
      +1

      Speaking from experience? :p

    • no idea on 30/01/2017 - 12:05

      Imagine how many mops $475 would buy!

      • theHMASfriendship on 31/01/2017 - 15:29
        +1

        A legion of mops. You will be unstoppable.

  • FiDad on 30/01/2017 - 12:36
    +4

    OP username checks out

  • minniethemoocher on 30/01/2017 - 13:49

    Ring them, see if they trade under any other name. You might find it is a legit transaction.

    • no idea on 01/02/2017 - 00:23

      There is no phone number, no contact details at all on the website. I rang the number that was on the bank statement as it was formatted like a mobile phone number. The person who answered was an individual, not a company.

      I can't go any further with it through those means unfortunately.

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