[Gllug] [ot] borked net transaction

[Matthew Cooke]

Credit card companies are jointly liable along with the suppliers for 
puchases over £100 under the 1974 Consumer Credit Act.

http://www.fsa.gov.uk/consumer/04_CREDIT_DEBT/mn_protection.html

If after exhausting all option with the credit card company you are still 
unsatisfied you could take it to arbritration through the financial 
ombudsman and if you were still unhappy you could take it to court.

There are currently different legal intepretations of the act and how it 
applies to companies trading from abroad, whilst some banks agree with the 
FSA that these transaction are covered by the act, some banks are not 
providing this protection. I believe a test case is yet to be heard.

With regards to the failed SQL, if it's an off the shelf ecommerce solution 
I would hope the entire set of statements are wrapped in a transaction so 
the failure should result in nothing being applied - I'd say it's very 
unlikely that they charged you anyway.

Matt.

From: Joel Bernstein <joel at fysh.org>
Reply-To: Greater London Linux User Group <gllug at gllug.org.uk>
To: Greater London Linux User Group <gllug at gllug.org.uk>
Subject: Re: [Gllug] [ot] borked net transaction
Date: Fri, 6 May 2005 15:49:54 +0100

On Fri, May 06, 2005 at 03:47:36PM +0100, t.clarke wrote:
 > Perhaps Tet would care to enlighten us as to actually what DOES happen if
 > you dispute a credit card transaction ...

So far as I can tell after disputing a chain of transactions with Egg,
sweet FA.

You certainly *don't* get your money back.

/joel
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