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West coast railways: deducting money from my bank account

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alphamale

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Mid Bedfordshire
I've noticed today WCR has been making small incremental charges to my bank account twice this month. I have no idea what these charges are for!? But they sent me an online Christmas card and a 2016 brochure this month, perhaps for this?
They must have kept my details from a trip I booked in July this year, it does feel a bit misleading as I doubt I would have agreed to sign up for such things If I had known I would be paying for them! Anyone else experienced this?
 
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455driver

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Contact your bank as soon as possible and put a stop to any more payments to the company and raise a claim of fraudulent deductions with them, that should sort it out!
 

Jonfun

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It could well be someone having cloned your card or having got hold of your bank details. If you're 100% sure you didn't authorise those payments from your account on the date in question (and don't forget the names on your bank statement don't always match up with the name of the company - my local petrol station in Liverpool shows up as "Anglo Quality Swinton" and my local Wetherspoon, The North Western, shows up as "The Furness Railway") then call the bank, report the transactions as fraudulent and get your card cancelled.
 

jon0844

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Although names, addresses and email addresses are/were quite freely visible so still a big problem.

If you look at the TalkTalk situation, everything was focussed on card details being compromised, or bank details. In reality the bigger damage was the personal information that was given to the call centres then scamming people by having additional information to make themselves sound more credible.

I expect a lot of hackers now want that sort of data, which doesn't seem to be as highly protected.
 
Joined
22 Sep 2013
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Location
Timbuktoo
I've noticed today WCR has been making small incremental charges to my bank account twice this month. I have no idea what these charges are for!? But they sent me an online Christmas card and a 2016 brochure this month, perhaps for this?
They must have kept my details from a trip I booked in July this year, it does feel a bit misleading as I doubt I would have agreed to sign up for such things If I had known I would be paying for them! Anyone else experienced this?

Have you clicked and unwittingly signed up for a '' Cash Reward Voucher'' style account? Such things pop-up on Train-line, a couple of TOC's and a few online shopping sites, after you purchased off them you are led believe you are singing up for discounts with that company when it's a third party pop-up box getting your bank details they send 30 free day cancellation Emails direct into your junk box meaning you are likely to miss them. do these stories look familiar?
http://www.complaintsboard.com/complaints/complete-save-fraud-c629279.html
 
Joined
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Timbuktoo
It it these then this is what I did.


Call your bank ask for how long for has this compleatesave(it may show as a Swiss acoount) has been withdrawing money out of account and for the details of the account you have set-up.
Call the Completesave number at this point do not say how long you know they have been taking money out of your account. Ask for your account number and look Online and save/print a copy of it(as once you contact them demanding repayments and closure they will very quickly close your account denying you any access to it again.). Also ask with whom's website did I sign up for it via?''
Contact them again and demand to speak to an English speaker as it's a Swiss call centre and they often play ''hard to understand'' if it's a complaint.
If they offer 3 months. Then say I know its longer(if it is) and ask for the repayment of the full amount?
They should at this point offer the full amount and be reimbursed within 5 working days.

Also make sure you contact the company who's shopping account you managed to get ''fooled'' through, explaining that what you signed made it look like you were doing it for them and not a third party via it's website and are seriously considering using them ever again because of this.
Mention that all Emails by Completesave were sent into your Junk Mail box meaning you missed the confirmation Emails. And also ask for Completesave to be banned from displaying Pop-up boxes on your account ever again.

If you do not have success, or if you do and still want to push further then contact BBC Wales X-ray consumer information show as they were very interested in my case and will surely lead to more exposure of Completesave and it's underhand sly practices.

Completesave know full well what they are doing. The Pop-up box still appears at certain online shopping accounts but now I recognise the scam:-

1. You complete your transaction with the Online Website.

2. A pop-up box appears asking ''If you would like 10% off your next purchase'', this is to make you believe you are just resending bank details to the original website owner.

3. The confirmation Emails along with the ''30 day free trial offer'' will be sent to your Junk Box meaning you are almost certainly going to miss, it unless you are a lonely dullard that reads all Emails including Junk.

4. The ''free 30 Days'' passes and if you notice it you either close it or use it. But as there are a multitude of free voucher sites ''Completesave'' know full well anyone who bothers with these voucher deals wouldn't fork out £10 a month for a what it does.

5. Far more likely to happen is that you will have deleted all Junk mail. As most bank account statements are issued every 3 months, some yearly. If you check the balance via Online banking or by an ATM a £10 deficit will hardly be noticed by some and will just be passed as ''spending more than you thought''.

6. Completesave know this and will quickly offer 3 months. As they have
realised you have checked your statement and noticed this £10 pm coming out They are now counting on you to be satisfied and leaving it at that.

7. When you notice it's more than £30 they very quickly offer the full amount as they know how they are going about signing you up is sneaky and has already been stopped in the USA with these offers having to be a lot more clearer to you onto what you are signing up to.
8. This is due to UK MP's, The Ombudsmen, Press and the National media now cottoning onto it as the complaints rise and the companies who are allowing ''Compleatesave'' access to them will want to avoid any link towards them.
9. If Compleatesave were a totally honest and above board company then why would they have a UK address? A Swiss bank account, and trade out of Luxembourg?
10. They also monitor sites here and will have it's UK based staff arguing it's case the IP address' could reveal a Portsmouth area as this is the UK address I found . It will be then followed by a few ''genuine looking forum posters'' saying ''How great compleatsave are'' and its easy sa no to sign up'' When evidence is to the contrary.
 

sng7

Member
Joined
22 Oct 2013
Messages
168
Location
Edinburgh
I agree it is not good but it has nothing to do with the situation regarding west coast taking money that this thread is about and is therefore irrelevant to the OP.
 

Tim R-T-C

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Joined
23 May 2011
Messages
2,143
I think the suggestion is it might not be WCRC but an account with a similar name.
 
Joined
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Location
Timbuktoo
I agree it is not good but it has nothing to do with the situation regarding west coast taking money that this thread is about and is therefore irrelevant to the OP.

If he's booked through West Coast Railway and has inadvertently set up an account with a third party voucher scheme then it does.
 

A0

On Moderation
Joined
19 Jan 2008
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7,751
Although names, addresses and email addresses are/were quite freely visible so still a big problem.

If you look at the TalkTalk situation, everything was focussed on card details being compromised, or bank details. In reality the bigger damage was the personal information that was given to the call centres then scamming people by having additional information to make themselves sound more credible.

I expect a lot of hackers now want that sort of data, which doesn't seem to be as highly protected.

Which, from an IT Security perspective, is counter intuitive.

Personal data i.e. names, addresses etc are covered by the Data Protection Act - whereas card details aren't, but the banks have been pushing PCI regulations onto sellers.

If the OPs details (i.e. name, address etc) have made it into the big wide world from a 3rd party organisation then that is a breach of the DPA, for which incidentally a successful prosecution can lead to an unlimited fine, then it should be reported to the Information Commissioner for investigation.

As regards the payments leaving his bank account - he should contact the seller first and establish why those payments have been made. If they are unauthorised then he should report it to his bank immediately.
 
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