FACEBOOK FRAUD – 14/05/2019

This 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 for a 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

The background to this case is that she 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 could very well work in her favour as 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.

I reckon she has a good chance of resolving it on that tack.  There is a lesson to be learnt there though and that is not to make any purchases through Facebook and if it sounds too good to be true, it probably is.

I cover similar scenarios in my book including PayPal disputes, pothole claims, speeding tickets, parking tickets, contracts and much more in my book complete with templates based on real-life test cases that work now on sale via Amazon as an e-book and paperback priced £2.99 / £7.99.

Now on sale via Amazon as an e-book and paperback priced £2.99 / £7.99.

Buy it now as an e-book here or on paperback here

BBC Radio Scotland have read it and interviewed me as a consumer expert for a five-part consumer programme they have made.  I have been featured in the Daily Mail as a consumer champion which you can read here

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