
Originally Posted by
eden84
You use click and buy and they take it out of your bank a couple of days later by direct debit.
I guess it is like credit yes.
As for chargebacks im not too sure what you mean?
This is related to the dispute you had with iTunes.
By contacting UNRELATED third parties about this, such as William Hill, Click & Buy have opened themselves to legal action from you for libel. IF you took action against click & buy, they will have to prove that you DO owe them this £50. This will depend on what happened with iTunes. If this is all an "administrative error" on the part of Click & buy, you can sue them for not only the libel, but damages. Since you have proof that William Hill have acted on the accusations, and to your serious detriment, this aspect is not in dispute.
Given that Click & Buy seem to have made themselves uncontactable, and you cannot pay back this £50 even if you wanted to, you could try contacting the Financial Ombudsman, or Trading Standards if the Ombudsman says this is outside his remit. You also have recourse to the Information Commissioner, in that Click & Buy clearly did not have your permission to share your transaction details with iTunes with William Hill.
You just need to prove you had a right in law to dispute and recover the £50 spent with iTunes. Prove such a right, and you have NOT "defrauded" Click & Buy, and therefore they had NO legal right to act as though you HAD.
Sharing of information like this is ONLY allowed to prevent crime, such as fraud. So to justify what they did, Click & Buy would have to show that this WAS a case of YOU trying to DEFRAUD Click & Buy, or one of it's merchants.
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