Hi folks,
First time asking for some advice hope ye can help me.
Ok, will tell my story first and then ask questions - Last year I was away in India and was forced to put take money out on my card in a travel agency (they were in on the scam) and then put on a flight home.I was threatened with being shot or having drugs put in my bag.
I reported it to the Gardai and the CC company and they took it off my card. Then a few months later I got a call out of the blue, their fraud dept. saying that they would not accept it as fraud because I had been forced to sign it. And then my troubles began. I have been trying to deal with them but to no avail.
They are basically saying that because I signed I'm liable and that I was doing some kind of Fraud on them.
Now they have started to add penalty and finance charges to it and affected my credit rating because I refused to pay.I have never owned money or been in debt before. I have a few questions?
Am I really liable for the debt, they tried to put my card through 5 or 6 times and still nothing was noticed as suspicious ?
They want to put me on a payment plan and submit to a check by the credit reference agency what does this mean can they look through my personal affairs?
Should I go to the F Ombudsman ?
What will happen to me if I just tell them to go jump, which is what I feel like doing after the way I've been treated.
Ok rant over any questions , advice welcome
First time asking for some advice hope ye can help me.
Ok, will tell my story first and then ask questions - Last year I was away in India and was forced to put take money out on my card in a travel agency (they were in on the scam) and then put on a flight home.I was threatened with being shot or having drugs put in my bag.
I reported it to the Gardai and the CC company and they took it off my card. Then a few months later I got a call out of the blue, their fraud dept. saying that they would not accept it as fraud because I had been forced to sign it. And then my troubles began. I have been trying to deal with them but to no avail.
They are basically saying that because I signed I'm liable and that I was doing some kind of Fraud on them.
Now they have started to add penalty and finance charges to it and affected my credit rating because I refused to pay.I have never owned money or been in debt before. I have a few questions?
Am I really liable for the debt, they tried to put my card through 5 or 6 times and still nothing was noticed as suspicious ?
They want to put me on a payment plan and submit to a check by the credit reference agency what does this mean can they look through my personal affairs?
Should I go to the F Ombudsman ?
What will happen to me if I just tell them to go jump, which is what I feel like doing after the way I've been treated.
Ok rant over any questions , advice welcome