This Facebook fraud case came to my attention from someone who bought my book and contacted me afterwards on Sunday morning when I was sat in the departure lounge of Edinburgh airport waiting for my flight to London to attend the Daily Mail’s offices for a photoshoot and feature on ordinary folk who have become consumer champions.
That was the best day of my life, bar none, and you can read that feature here
This lady tried to buy a product from a Facebook advert, it was originally over £100, reduced to £74, she proceeded to buy it, the goods never arrived, the advert was deleted and there was no trace of the firm.
The first thing to point out here is that Facebook is largely unregulated so any purchases you make via this platform is a risky business in itself.
She thought she was protected by paying with her credit card because the product was over £100, yet this appears to have been deliberately circumvented by the fraudster by reducing it to £74 to entice her to proceed.
On the face of it, she has lost out because S75 of the Consumer Credit Act 1974 only applies to purchases over £100. However, she made the purchase using an Asda credit card and that worked in her favour. I have found supermarkets who put their names to credit cards are much more willing to help and resolve disputes than the mainstream providers.
I suggested that she cancels her card immediately under the circumstances and ask the fraud department to raise a ticket to investigate it and try and get the transaction reversed.
She was able to resolve it and got a full refund. There is a lesson to be learnt there though, and that is not to make any purchases through Facebook. If it sounds too good to be true, it probably is.
Banks need to do more to combat fraud, which I have touched on here. However, customers need to help themselves as well.
Have you been caught out by Facebook fraud?