FRench railways have taken money from my account without authorisation. They claim that my card was cloned and they acted in good faith.How do I respond?
I have written to them but they deny responsibility
Thank you for your question.
Please could you confirm if this was a purchase with a credit card?
Or was it a debit card linked to your bank account?
I look forward to your response.
It was a debit cartd linked to my account
Thanks for confirming.
Have you informed your bank about this?
What did they say?
I must take it up with the Police in Parthenay
Thank you for confirming.
I suggest you contact the police as requested, as you may be covered by insurance and in this case you would require a police declaration.
As I mentioned you might be covered by your insurance on your bank account. You will need to check this with your bank. I suggest that you formally write to them asking for a copy of the insurance policy that governs your account. You should send this by registered post with acknowledgement of receipt.
If this does not resolve the situation, then you should take it up with a consumer protection group. You'll find a list here:http://www.economie.gouv.fr/dgccrf/Liste-et-coordonnees-des-associations-nationales
You can also lodge a complaint with a French banking services mediator, but I would need to know the name of the bank to see which mediator applies.
I hope this answers your question.
Lawyer with Maîtrise en droit & Licence spéciale en droit européen.
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