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□ East Express reporter Huang Hong-Yan / Ventura provided by Ms. Miao
Recently, Ms. Miao Fuzhou people call Southeast Express News Hotline 968,977 to reflect mid-July,bologna spaccio woolrich, after she discovered his loss, rushed to the bank to report the loss, but in this short period of two hours, the card is stolen, two brush strokes, the total amount nearly 20,000 yuan.
Ms. Miao believes cardholder's signature on two sign purchase orders are not her name, merchants and banks need to take responsibility.
In this regard, the bank told Ms. Bartholomew, these amounts are paid by the successful password entry, which is the primary responsibility of the card, the bank was unable to assume its responsibility for repayment.
That business or need to bear responsibility? Lawyers said that this is not the true meaning of the Lord's card, said Ms. Miao single POS can be used as evidence, make a complaint through the relevant channels, requires businesses to assume responsibility for the return of the money, etc., and the police let the police investigation.
With tight credit card was fraudulent chargeback bank said does not meet the conditions
July 17 around 9:00 am, Ms. Miao Fuzhou found himself a  a bank credit card lost. 11 am,hogan uomo interactive, she was successful in bank outlets report the loss of a credit card. But Ms. Miao know,http://www.8588.org/home.php?mod=space&uid=3211, go to report the loss in the way, the card is stolen brush two, totaling nearly 20,http://www.lb168.com/bbs/home.php?mod=space&uid=15833,000 yuan.
Southeast Express reporter obtained from merchants through the POS Ms,air max pas cher pour femme. Miao provided at check requisitions see two sign requisitions cardholder's signature is not on Ms. Bartholomew's name.
Ms. Miao made contact with the bank, to freeze two payments, prevent money call businesses, but the bank said it could not perform this way, the money eventually detained go. "Credit card signature was not my name, how can it allow the transaction to proceed?" Ms. Miao very helpless.
Southeast Express reporter contacted the concerned bank credit card department, working people reply,http://bbs.041291.com/home.php?mod=space&uid=4027, fraudulent circumstances, Ms. Bartholomew said, the investigation found both with secret deals. "Issuer businesses need to check transaction authorization information transmission, and to fulfill payment commitments. Therefore in the case of businesses to provide the correct authorization information, banks are required to provide timely payment amount, and can not unilaterally stop payment transactions."
The source also said that, in this case, is responsible for auditing signed by the merchant,http://bbs.zgldr.com/forum.php?mod=viewthread&tid=69061, and the next bank to verify the correct information in the transaction authorization,tuta moncler, it is necessary to fulfill payment commitments.
Lawyer: Merchant matter should be held liable for POS Single Responsibility
"I did not take good care of the cards I have some responsibility, but the stolen brushes merchants and banks do not have fault?" But do not think their banks and businesses have a responsibility to let Ms. Miao very difficult.
Southeast Express reporter then call the customer service hotline parties understand that the bank, the bank has a program called "worry-free card," the business, collect four yuan monthly fee, which covers the "lost card protection" services, the cardholder to report the loss before the card transaction within 72 hours, after investigation by the bank to provide compensation. 72 hours lost card protection contained by merchant transaction terminals (POS) transactions, or specify generated fraudulent online exchanges, excluding withdrawals,collana tiffany prezzo, transfers and telephone transactions, but covers "Signature + password" fraudulent spending, even with dense Consumer happen fraudulent, can be protected. But Ms. Miao not opened this business, so the banks can not assume responsibility for repayment of its suggested she alarm processing, the bank will assist the police with the investigation.
Fujian's Min Zhuo Jun law firm lawyers said in an interview, Ms. Bartholomew said from the case, the more difficult accountability Bank side, in the event, businesses should assume greater responsibility. "Merchant obligation to compare the cardholder's signature,http://www.hm37.com/home.php?mod=space&uid=8445, the signature card on the spot confirmed the primary signer and bank card on the back are the same."
Zhuo lawyers pointed out, POS sign requisitions Ms. Bartholomew is not my signature signed by the consumer or authorize others to consume, not the true meaning Ms. Miao said that they do not have the force of law. Card owners can be a complaint through the relevant channels and alarm,http://zuiwy.com/home.php?mod=space&uid=74811, the POS single submitted as evidence to require businesses to assume responsibility for the return of the money and so on.
"Be sure to check the consumer and the merchant cardholder information is consistent,parka woolrich donna, in order to avoid unnecessary and therefore bear responsibility." Zhuo lawyers advise.
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With dense brush Pirates paid more for value-added services need to open in order to get
Reporters learned that,hogan uomo outlet online, in fact, many are provided "lost card protection" related business in Yung Bank, which is when the credit card stolen brushes,peuterey prezzi, report the loss within a certain time limit before the bank will pay the payment for specific situations costs,giacchetti woolrich,http://www.biketk.com/home.php?mod=space&uid=105517, fees and service this business form the banks vary. But most of the relevant payment services provided by banks are for non-secret payments. Payment can be paid with dense lost card protection services and more value-added services,yoox moncler, you need to pay for the cardholder.
As a commercial bank's credit card at Banyan customer service, says that the bank offers a free "lost card protection" services, non-password transaction within 48 hours prior to the customer reporting the loss of the card if fraudulent,http://www.jiazhang1000.com/home.php?mod=space&uid=24821, obtained after the passage of the cardholder complaints Puka up to 1 million / year of payment. But if it is fraudulent payment arising by virtue of the password, you can not be paid.
Another home in the Banyan Bank staff said that the bank offers a lost card protection services need to pay fees for 4 yuan / month. According to reports,hogan interactive uomo, after the opening of the service, regardless of whether the payment with password authentication,piumini woolrich sito ufficiale, as long as the brush is stolen, the cardholder may submit claims to apply. An investigation confirmed that the bank guarantee for the full amount cardholders, the coverage is not password and time limit.