Hacker News Board Hacker News, browsed like a classic message board
Live data from Hacker News

Deliveroo users are getting defrauded

newstatesman.com

Post reply on HN
Print view View original

151–160 of 354 posts

Re: Deliveroo users are getting defrauded

#151

Post by joering2 »

zaroth wrote: post #107
joering2 wrote: post #70

Earlier quoted context omitted.

Just so you know - charbegacks are reported to credit burreaus. Sometime they will show on your report for few months sometimes they don’t. Just letting you know if you ever be wondering why you have good credit score but bank doesnt approve your loan or doesnt want to extend your credit.

I’ve never had a credit card of mine report a chargeback, and if they ever did I would cancel the card immediately. Mostly chargebacks are for actual fraudulent use of the card, and the process also includes getting a new card number. Lately, most chargebacks I’ve done have actually been issued by the card itself after they detected suspicious activity and sent me a text alert asking about specific charges. In one ca…

Credit cards do not report, merchants banks do directly With credit bureaus. from there they decide if certain card holder triggered too many they put it on.

Re: Deliveroo users are getting defrauded

#152

Post by whatok »

kennethp wrote: post #143
matthewmacleod wrote: post #119

Earlier quoted context omitted.

You didn’t file for a chargeback with Monzo, because they don’t offer credit cards. There’s less protection generally with debit cards. Generally guidance is that you are entitled to a refund from the bank only if you did not authorise a particular transaction.

Does it matter? The simple reason they are there is to protect my interests. If they can't do it for a few quid, how can they do it for larger sums of money? The Moral of the Story: Money institutes may not cover you like you think they will. I've learned my lesson. Again, be -very- careful.

Debit cards in almost all cases have less protections that are clearly stated.

Re: Deliveroo users are getting defrauded

#153

Post by philpem »

mschuster91 wrote: post #109
iagooar wrote: post #87

Earlier quoted context omitted.

This doesn't work in Germany, for example. If you charge back, they'll just put you into a central register (called Schufa) that will basically make it impossible for you to get a credit or even to rent an apartment.

While I hate the Schufa with a passion, it is not as clear-cut and automated as you make it seem. Before anyone can do shit with your Schufa score (or the other smaller credit reporting agencies arvato infoscore and Creditreform), they have to formally remind you of the debt that you have due to the charge-back before, and you can always contest fraudulent entries at the credit reporting agencies. Additionally, you c…

Can confirm that the police fraud report helps grease the gears (in the UK, this is done through Action Fraud).

The bank went from "we won't help you" to "oh, we'll fix that" about as soon as I told them I had a crime reference number...

I guess this has something to do with the penalties for making a false police report being much higher (in criminal law terms) than lying to a bank.

Re: Deliveroo users are getting defrauded

#154

Post by aembleton »

Another good reason to use a fintech bank account such as Monzo [1] or a credit card such as Tandem [2] or a virtual card that can forward transactions onto any other card such as Curve [3].

All of these services can give you a push notification every time a transaction is made on your account so that you are immediately made aware and are able to cancel them. You can block the card from within the app immediately.

1. http://join.monzo.com/r/vrlkxvo (Using this link gives us both £5)

2. https://www.tandem.co.uk/credit-card/

3. https://www.imaginecurve.com/ (Sign up with WAI91 and we both get £5)

Re: Deliveroo users are getting defrauded

#155

Post by maxehmookau »

kennethp wrote: post #105
Sahhaese wrote: post #93

Earlier quoted context omitted.

UK banks are already very good about refunding fraudulent transactions and associated fees: https://www.fca.org.uk/consumers/unauthorised-payments-accou... "In most cases the bank must refund the payment without undue delay and by the end of the business day following the day on which it became aware of the problem, unless it has reasonable grounds for suspecting that you have acted fraudulently." "When your bank ref…

I would be very careful on this one. Some providers are interestingly stubborn when it comes to charge backs and can hold on to the (fraudulent) vendors side even if you're clearly right. Monzo in the UK is a prime example for that. An internet vendor charged me more than he should and refused to void the transaction (basically text-book fraud) and I filled for a charge back with monzo. I was extremely confident that…

Monzo doesn't provide credit cards, only debit cards.

Banks have a vested interest to work with you for purchases made on credit because it's their money. Debit purchases have no such leverage and thus have lower protections.

If it costs more than £100, use a credit card in the UK as the CC company is jointly liable for any issues, even faulty goods.

Re: Deliveroo users are getting defrauded

#156

Post by mikestew »

kennethp wrote: post #143
matthewmacleod wrote: post #119

Earlier quoted context omitted.

You didn’t file for a chargeback with Monzo, because they don’t offer credit cards. There’s less protection generally with debit cards. Generally guidance is that you are entitled to a refund from the bank only if you did not authorise a particular transaction.

Does it matter? The simple reason they are there is to protect my interests. If they can't do it for a few quid, how can they do it for larger sums of money? The Moral of the Story: Money institutes may not cover you like you think they will. I've learned my lesson. Again, be -very- careful.

Money institutes may not cover you like you think they will.

Not if you didn't read your debit card agreement, no. Nothing you've stated wouldn't be clearly spelled out in the agreements I've seen for debit cards. I mean, I can see how this happens: looks like a credit card, must have the same protections as what people online say about credit cards, right? Nope.

Re: Deliveroo users are getting defrauded

#157

Post by wil421 »

aembleton wrote: post #154

Another good reason to use a fintech bank account such as Monzo [1] or a credit card such as Tandem [2] or a virtual card that can forward transactions onto any other card such as Curve [3]. All of these services can give you a push notification every time a transaction is made on your account so that you are immediately made aware and are able to cancel them. You can block the card from within the app immediately. 1…

Amex has the same thing and their customer protections are generally better than the Fintech companies. Although Amex is not so common in the U.K.

Do any UK credit card companies offer consumer and fraud protection above the norm? Amex would immediately side with me if I showed them the Deliveroo communication. Another Citi VISA I had offered 18 months warranties on laptops and other electronics if I used the card.

Re: Deliveroo users are getting defrauded

#158

Post by philpem »

giancarlostoro wrote: post #38
EthanV2 wrote: post #20

Earlier quoted context omitted.

It's possible this has already been reported to the police, but we all know they don;t tend to move to fast on things like this, and it's likely Deliveroo doesn't want to risk hurting it's own reputation by shutting out restaurants it suspects are taking part in this scam without enough solid proof that they are definitely in on it

I mean if they keep using the same exact "restaurant" whose address ends up being an Apartment... It would be really suspect. Not saying this is the case, but it'd be more obvious if it were.

If they put the FSA "Scores on the Doors" (and local council) food standards ratings on, the act of looking up the address would tell them something was up.

"Address given is not registered as a restaurant or food outlet" (aka: they're not registered with the local council).

I've gotten into the habit of checking 'Scores, just because of the sheer number of poor quality food places on Deliveroo, Just Eat and so on.

Re: Deliveroo users are getting defrauded

#159

Post by fredley »

rubyboss wrote: post #82
Deestan wrote: post #74

Earlier quoted context omitted.

> IF the quality is the same That's the thing. It isn't. Every franchise, big or small, has wildly different quality of ingredients and preparation (and even send the correct damn drink and remember the dip) among outlets, and if I order from that one, I want that one to prepare my food.

Deliveroo Editions sites are clearly marked on the app with a banner across the main photo of the restaurant. You aren't led to believe the food is coming from somewhere it isn't.

> banner across the main photo of the restaurant

> You aren't led to believe the food is coming from somewhere it isn't.

I think we have different definitions of what being 'led to believe' is.

Re: Deliveroo users are getting defrauded

#160

Post by eternalny1 »

entity345 wrote: post #5

Perhaps worth mentioning, since it's nowhere in the article, that the first thing to do is not to spend hours on the phone with Deliveroo (or whoever else) but to call your bank to report the transactions as fraudulent and to block your card. That will probably get you a refund quicker (the transactions will likely be held until clarified) and will stop any further fraud. As for Deliveroo's support team... Not very g…

That is the best way, go to the bank.

It is mentioned in passing in the article itself.

> Of the roughly 40 people I spoke to, not a single one had been refunded by the delivery service; those who did get their money back had got it from their bank.

Post reply on HN