I hope somebody here can help me find a solution.
We are been frequently getting calls from a shopping site called bagittoday which is related to
Indian Today. The caller says that you have placed a order with so on so amount and we what to confirm the order. But in real we didn't placed any order :huh: if we say that we haven't placed any order the reply is- " Sir, it is in our records but if you want we will refund the order amount back but we need verification about your card details.." For that they ask our card no. and then say the it will take 60 days to get ur refund back but presently in your bank the amount will be credited.. :dry:
Like that they are placing a order and not refund the amount but sending a product worth the amount. Is this a type of marketing strategy? I feel that they are cheating us by using our card on behalf of us.
The only mistake we done previously is we shared our card details to purchase a important product after that they are doing the same and making transactions. This happened 2 times or more.. recently order of 24k was done and another surprise is the bank is also not responding. They call us after the amt was debited from our account and ask us whether to confirm the transaction but if we say to ignore it they say it is not possible. :(
6 Replies
I agree with @ sunil but I am having problem with their phone shopping. They just say that it is promotional offer and if we dont like the product we can return it back. They somehow drag into this though we don't order them exactly and after that say refund will be given which do not happen. :unsure:
@Sunil I too don't have the proofs to show that I haven't ordered as transaction is done on our credit card. The bank can only help I think.
@Sunil I too don't have the proofs to show that I haven't ordered as transaction is done on our credit card. The bank can only help I think.
I agree with @ sunil but I am having problem with their phone shopping. They just say that it is promotional offer and if we dont like the product we can return it back. They somehow drag into this though we don't order them exactly and after that say refund will be given which do not happen. :unsure:
@Sunil I too don't have the proofs to show that I haven't ordered as transaction is done on our credit card. The bank can only help I think.
If you have used your credit card for this, then you still have chances of getting back your money, I already mentioned that in my earlier post. All you have to do is give a written application to cancel the transaction, you will have proof of it in your credit card statement, that is enough for you to take action!
I agree with @ sunil but I am having problem with their phone shopping. They just say that it is promotional offer and if we dont like the product we can return it back. They somehow drag into this though we don't order them exactly and after that say refund will be given which do not happen. :unsure:
@Sunil I too don't have the proofs to show that I haven't ordered as transaction is done on our credit card. The bank can only help I think.
If you have used your credit card for this, then you still have chances of getting back your money, I already mentioned that in my earlier post. All you have to do is give a written application to cancel the transaction, you will have proof of it in your credit card statement, that is enough for you to take action!
Yes Kalyani I understood what you said. But the bank is not willing to involve in this as the transaction is already done. I think in my bank statement the transactions details can be used as proof to say I have done payment but what i am not able to prove is that I was not interested in doing the order and the bagittoday is cheating me every time and doing the order by themseleves.
I agree with @ sunil but I am having problem with their phone shopping. They just say that it is promotional offer and if we dont like the product we can return it back. They somehow drag into this though we don't order them exactly and after that say refund will be given which do not happen. :unsure:
@Sunil I too don't have the proofs to show that I haven't ordered as transaction is done on our credit card. The bank can only help I think.
If you have used your credit card for this, then you still have chances of getting back your money, I already mentioned that in my earlier post. All you have to do is give a written application to cancel the transaction, you will have proof of it in your credit card statement, that is enough for you to take action!
Yes Kalyani I understood what you said. But the bank is not willing to involve in this as the transaction is already done. I think in my bank statement the transactions details can be used as proof to say I have done payment but what i am not able to prove is that I was not interested in doing the order and the bagittoday is cheating me every time and doing the order by themseleves.
The credit card co. or bank can actually not refuse to cooperate with you on this, there are no rules that say that you have to prove your interest or disinterest in any kind of transaction, you will have to be very stern with the bank on this issue, since that is the only way you can get your money back. If necessary try and speak to some legal counsel who specialises in bank matters!
I agree with @ sunil but I am having problem with their phone shopping. They just say that it is promotional offer and if we dont like the product we can return it back. They somehow drag into this though we don't order them exactly and after that say refund will be given which do not happen. :unsure:
@Sunil I too don't have the proofs to show that I haven't ordered as transaction is done on our credit card. The bank can only help I think.
If you have used your credit card for this, then you still have chances of getting back your money, I already mentioned that in my earlier post. All you have to do is give a written application to cancel the transaction, you will have proof of it in your credit card statement, that is enough for you to take action!
Yes Kalyani I understood what you said. But the bank is not willing to involve in this as the transaction is already done. I think in my bank statement the transactions details can be used as proof to say I have done payment but what i am not able to prove is that I was not interested in doing the order and the bagittoday is cheating me every time and doing the order by themseleves.
The credit card co. or bank can actually not refuse to cooperate with you on this, there are no rules that say that you have to prove your interest or disinterest in any kind of transaction, you will have to be very stern with the bank on this issue, since that is the only way you can get your money back. If necessary try and speak to some legal counsel who specialises in bank matters!
If the bank refuses to help in any way, the next best option is to consult a lawyer and send a legal notice to all parties concerned, normally they wake up and come down for a compromise...
I agree with @ sunil but I am having problem with their phone shopping. They just say that it is promotional offer and if we dont like the product we can return it back. They somehow drag into this though we don't order them exactly and after that say refund will be given which do not happen. :unsure:
@Sunil I too don't have the proofs to show that I haven't ordered as transaction is done on our credit card. The bank can only help I think.
If you have used your credit card for this, then you still have chances of getting back your money, I already mentioned that in my earlier post. All you have to do is give a written application to cancel the transaction, you will have proof of it in your credit card statement, that is enough for you to take action!
Yes Kalyani I understood what you said. But the bank is not willing to involve in this as the transaction is already done. I think in my bank statement the transactions details can be used as proof to say I have done payment but what i am not able to prove is that I was not interested in doing the order and the bagittoday is cheating me every time and doing the order by themseleves.
The credit card co. or bank can actually not refuse to cooperate with you on this, there are no rules that say that you have to prove your interest or disinterest in any kind of transaction, you will have to be very stern with the bank on this issue, since that is the only way you can get your money back. If necessary try and speak to some legal counsel who specialises in bank matters!
If the bank refuses to help in any way, the next best option is to consult a lawyer and send a legal notice to all parties concerned, normally they wake up and come down for a compromise...
Since its a bank related issue, it can be referred to Ombudsman . This is a faster way
Topic Author
R
ra_k
@ra_k
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Created
Friday, 15 February 2013 04:00
Last Updated
Tuesday, 30 November -0001 00:00
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