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Ben Jones
Ben Jones, UK Lawyer
Category: Fraud Examiner
Satisfied Customers: 45349
Experience:  Qualified Solicitor - Please start your question with 'For Ben Jones'
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Am I proteced against fraud if I use my VISA debit and/ or

Customer Question

Hello.
Am I proteced against fraud if I use my VISA debit and/ or credit card to hire the services of an escort and she does not attend the appointment?
Submitted: 7 months ago.
Category: Fraud Examiner
Expert:  Ben Jones replied 7 months ago.

Hello, my name is***** am a qualified lawyer and it is my pleasure to assist you with your question today. How much did you pay for these services?

Customer: replied 7 months ago.
I have not paid yet, but I intend to pay anything from £50 to £400 if I'm protected from fraud
Expert:  Ben Jones replied 7 months ago.

The protection you get differs depending on whether you use a credit card or a debit card. There is a law under the Consumer Credit Act which protects purchases over £100 made on a credit card and it makes the credit card provider jointly responsible for the breach by the supplier. So let’s say that you pay over £100 for an escort service and you do not get the services you paid for, then the credit card provider will be jointly responsible with the sot for issuing you with a refund. That as when you can rely on the protection under this legislation. If you had made the same transaction with a debit card then that protection would not apply. You will not get covered if you voluntarily paid for a service which you did not receive – only genuine fraud where someone illegally accesses your card or account will be covered and this will not be the case here. So if at all possible you should use a credit card, remembering that only transactions over £100 are covered.

Another thing to bear in mind is that the card provider may try and argue that your activities were illegal and as such should not be protected. Using an outcall escort is not illegal in the UK but that does not stop the card provider from trying to argue this point and refusing a claim. So do not assume it will necessarily be easy to get this cove red but technically it should be. You always have the Financial Ombudsman service to challenge the decision of the card provider if necessary.

I hope this has answered your query. I would be grateful if you could please take a second to leave a positive rating (3, 4 or 5 stars) as that is an important part of our process and recognises the time I have spent assisting you. If you need me to clarify anything before you go - please get back to me on here and I will assist further as best as I can. Thank you

Ben Jones, UK Lawyer
Category: Fraud Examiner
Satisfied Customers: 45349
Experience: Qualified Solicitor - Please start your question with 'For Ben Jones'
Ben Jones and other Fraud Examiner Specialists are ready to help you
Customer: replied 7 months ago.
What do you mean by sot, please?
Expert:  Ben Jones replied 7 months ago.

Sorry that was a typo, it should have been the 'service provider'

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