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    Jus had a Automated call from Bank of Scotland

    Hi i took a contract out from t mobile yesterday all i had to pay was £70 for the phone i also signed up for qudico to get the £80 cashback....i then got a call from the bank of scotland (recorded messaged) saying that i had been charged £10 for something i have not payed for anything apart from the phone what could it be?

    Thank you.

    12 Comments

    Phone them?

    Banned

    novel idea - ring them up!

    Banned

    This thread makes no sense.

    What did the message actually say? "You have been charged £10" or perhaps it went into a bit more detail?

    Original Poster

    I phoned up regarding the £10 but they dont know what the charge is for themselves would quidco charge me ? they said something about the call being a security call to confirm i have payed for something of the value of £10

    Thank you for your replies.

    andel90

    I phoned up regarding the £10 but they dont know what the charge is for … I phoned up regarding the £10 but they dont know what the charge is for themselves would quidco charge me ? they said something about the call being a security call to confirm i have payed for something of the value of £10Thank you for your replies.



    If it's a card payment, they wont know what it is until it leaves your account. They can only tell you how much it is and when the transaction was made. The only other thing that comes to mind is whether it's just a check they run to see whether you have money in your account, in which case this amount will be pending to leave your account for a few days and then be freed up again. Thing is, those checks are normally for a nominal fee like 1p or £1.

    Original Poster

    (Quote) If it's a card payment, they wont know what it is until it leaves your account. They can only tell you how much it is and when the transaction was made. The only other thing that comes to mind is whether it's just a check they run to see whether you have money in your account, in which case this amount will be pending to leave your account for a few days and then be freed up again. Thing is, those checks are normally for a nominal fee like 1p or £1.[/quote]

    Thanks for your reply mate i was thinking the same thing but £10 is just to much really worried now!
    Edited by: "andel90" 3rd Sep 2010

    I wouldn't worry about it just wait till it leaves your account and then query it. You should be covered for unauthorised use on your account.

    Original Poster

    Borat

    I wouldn't worry about it just wait till it leaves your account and then … I wouldn't worry about it just wait till it leaves your account and then query it. You should be covered for unauthorised use on your account.



    Thanks mate

    Original Poster

    Thin kit was quidco charging me a tenner

    There is a scam, when you have fraud on the card, a user usually tests the water with a £10 phone top up or something similar, wait till it clears, if it's a phone top up you have not authorised get onto your bank asap.

    My bank always rings if its a transaction abroad, or something out of your normal spending habits eg you live in London, but someone has used your card details in Glasgow.

    Hope it's not this, but it does sound a little fishy!

    Original Poster

    silkymolo

    There is a scam, when you have fraud on the card, a user usually tests … There is a scam, when you have fraud on the card, a user usually tests the water with a £10 phone top up or something similar, wait till it clears, if it's a phone top up you have not authorised get onto your bank asap.My bank always rings if its a transaction abroad, or something out of your normal spending habits eg you live in London, but someone has used your card details in Glasgow.Hope it's not this, but it does sound a little fishy!




    Thanks for that mate i will take that into consideration all i did was open up a contract with t mobile though?

    I have found out the charge was for a membership fee could it be quidco?

    Quidco charges £5 per year membership, but it is only out of your cashback earnings so I would say no. You sure you haven't paid for anything you have forgotten about?

    Could be some kind of surcharge you have not been properly informed about
    Edited by: "silkymolo" 3rd Sep 2010
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