Yes I clearly explained to the saleman that we will be taking card payments face to face and over telephone. No we did not verify the telephone orders as we did not know what to verify? When this came to light, I checked how the staff were taking telephone orders and they in all cases were answering "YES" to the question "is customer present" and this allowed the transaction to go through without the need to input a pin. I surfed online to what the correct procedure and trained the staff to follow that. we were also assuming that any transactions accepted by the bank were ok.
No I did not ask streamline about customer not present transactions as i did not operate the till. The staff were taken over from the previous and this is how they always did these transactions.
the saleman did not say anything regarding the use of the machine.
The fact that you say it is good and bad news, what is the likely percentage of suucessful conviction. With regards to £5000 taken by streamline, can I report them to the banking obdsman? Will I be taking proceedings against the saleman or the company he works for?
you've forgot to answer the last question regarding who I need to take proceedings against. If I am taking the saleman to court, can I claim from him the £5,000 taken by streamline or do I also need to take streamline to court?
Any advise regarding how I need to present my case to worldpay would have been good, e.g. sample wordings to use, points that I should stress upon, etc.
What you need to do is take the steps I have outlined above
This will be a small claim
You just need to write and set out your position
Any claim below £10,000 does not need to be detailed and is very informal
Even on the claim form you are very limited with words and chatacters -you just set out the position
Can I clarify anything else?