Date: Sat, 25 Jun 2005 17:57:22 +0100
From: Darren 
Newsgroups: uk.finance
Subject: Chargebacks / Debit Card Fraud

Back in May I was debited £330.28 ($599) by Deerfield.com on my Abbey 
Visa Debit Card.

I contacted Abbey Fraud who credited my account with the amount "Pending 
investigation". I received the disclaimer to say I hadn't made the 
purchase signed this and sent it back.
It stated that should Deerfield not be able to provide evidence that 
this was me who made the purchase I'd keep the money.
Abbey also said that if Deerfield couldn't prove it was me, that was the 
end of it, I'd keep the money and wouldn't be contacted again.

In the mean time I had a PC look into it, who told me the IP address 
used (not mine as I didn't make the purchase) and the Address which was 
used when the order was made(which wasn't mine).

I've not heard anything, but today at the ATM noticed that Deerfield 
have credited me with £318.81 so at the moment I have my original 
£330.28 back which Abbey/Visa paid and now £318.81 from Deerfield.


A couple of questions here:

1) How were Deerfield able to credit me? the old card was stopped and 
the replacement has a different number

2) Will Abbey/Visa now take the £330.28 they paid back? And is this how 
charge backs usually work?

Thanks for any help


/me hoping that they don't notice this extra money!
I'll accept this as compensation for the inconvenience and them having 
such a slack security system as the address they took for the order 
didn't match that of my Debit Card!