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22/06/2009, 10:50 suein56 Joined on 23/08/2004 Southern Morbihan (56) Posts 2,184 Re: Credit Agricole Scam?  cooperlola2 wrote: Anyway, BC were really very good, the event cost me nothing in charges, and I received apologetic letters from BC, as if they felt it was all their fault! Good old Barclaycard. Whilst I would wish that this happy outcome might also be achieved if it were a French card that was involved I am somewhat doubtful ... Sue Computing - it's another world    Report

22/06/2009, 12:32 Chancer Joined on 16/07/2006 Picardie, Sussex Posts 4,879 Re: Credit Agricole Scam? I got a refund from Nationwide after losing £250 to Speedferries on my visa debit card, yes I had a little hassle getting past the goons in the call centre but once through to the disputes department they could not have been more helpfull, the money was refunded within 2 days of logging my claim and it re-appeared retrospectively on my statement on the date it was taken so that no interest was lost (must have been all of 1p!). Contrast this to an acquaintance, an English guy, bi-lingual who has lived here over 20 years and been with the same French bank all that time, he too bought a block of tickets at the same time as me, to my shame on my recommendation , his bank refuses point blank to even talk to him about it, its tough luck and a shoulder shrug for him. Its all the more galling when you consider what bank charges he has to pay for the privelege of spending his own money, it is very strange that the French banks empose a plafond on debit card spending no matter how much available funds that you have (for those that dont know you have to pay higher and higher monthly charges in order to be able to spend the money resting in your account using the debit card) yet they seem in this instance happy to let fraudulent activity run up an overdraft. There are some areas of French life that I will never integrate into unless thay have a big shake up, banking and insurance being the primary ones. And as for letters of apology or accepting ownership of responsibility........................    Report

22/06/2009, 20:14 Hereford Joined on 27/08/2004 Posts 368 Re: Credit Agricole Scam? Having known several people who had cards cloned and used we now check all our bank accounts online every day and also credit card balances.  Only takes few minutes and means that we would know immediately if someone had managed to get at our money or card accounts. We tell everyone we know to do this. H.    Report

23/06/2009, 0:49 teabag Joined on 19/06/2009 france Posts 12 Re: Credit Agricole Scam? I was offered an insurance which covers card loss, cancelling of prelevements and I think fraudulant use of the card.  This was from Credit Agricole Britline and it costs 5 euros a month.  It also ensures that if you tip into overdraft you are allowed 400 euros without charge which was extemely useful when the tax office emptied my account without telling me I owed them money.  Something quite unusual for the French banking system. I can't remember all the details but I am sure if you phone the Britline number they will help and in English which helps in itself sometimes when under stress    Report

23/06/2009, 20:16 Bluebell Joined on 18/05/2008 South Burgundy (71) Posts 78 Re: Credit Agricole Scam? Its all the more galling when you consider what bank charges he has to pay for the privelege of spending his own money, it is very strange that the French banks empose a plafond on debit card spending no matter how much available funds that you have (for those that dont know you have to pay higher and higher monthly charges in order to be able to spend the money resting in your account using the debit card) yet they seem in this instance happy to let fraudulent activity run up an overdraft.   Could you please explain what you mean, J,R?  I haven't heard of this one and don't know what you mean. La Maison du Curé www.cormatin.eu    Report

23/06/2009, 20:22 Clair Joined on 23/08/2004 Real Virtual French Person & Moderator - Lot (46) Posts 11,500 Re: Credit Agricole Scam?  Bluebell wrote: Its all the more galling when you consider what bank charges he has to pay for the privelege of spending his own money, it is very strange that the French banks empose a plafond on debit card spending no matter how much available funds that you have (for those that dont know you have to pay higher and higher monthly charges in order to be able to spend the money resting in your account using the debit card) yet they seem in this instance happy to let fraudulent activity run up an overdraft.  Could you please explain what you mean, J,R?  I haven't heard of this one and don't know what you mean. I don't know either... I have an account with CA. The weekly spending ceiling on my CB is set at over €2000 and I do not pay any charges apart from the annual card fee. Clair The mind is its own place, and in itself can make a Heaven of Hell, a Hell of Heaven. Paradise Lost - John Milton    Report

23/06/2009, 21:09 Chancer Joined on 16/07/2006 Picardie, Sussex Posts 4,879 Re: Credit Agricole Scam? You have answered the question Clair! I was referring to the fact that there exists a weekly (or in my case monthly) plafond on card spending no matter how much money is in your account, I found it bizarre that my card was refused in a negoce materiaux despite having a balance of  €8k as it would have taken me over the plafond, they were given an "insufficient funds" message yet were happy to accept a cheque drawn on the same account . There is on line verification, the bank knows that you have the funds but unless you up your monthly payment (or in your case annual card fee) you cannot spend them using the card. However, despite the on line verification, the refusal to allow you to spend money that you do have there are frequent reports of them allowing (alleged) fraudulent activity to run up huge indebtedness. Life is a lot simpler (and cheaper) with Nationwide    Report

23/06/2009, 21:16 Clair Joined on 23/08/2004 Real Virtual French Person & Moderator - Lot (46) Posts 11,500 Re: Credit Agricole Scam? JR, what do you mean by "for those that dont know you have to pay higher and higher monthly charges in order to be able to spend the money resting in your account using the debit card"? Clair The mind is its own place, and in itself can make a Heaven of Hell, a Hell of Heaven. Paradise Lost - John Milton    Report

24/06/2009, 9:04 Chancer Joined on 16/07/2006 Picardie, Sussex Posts 4,879 Re: Credit Agricole Scam? Sorry Clair, I should have explained. I was paying IIRC around €10 a month for my bank account, it was the formule that "I was signed up for" when my French was non existant, this included a debit card but I wrongly assumed that it would allow me to spend money if I had it and refuse purchases if I had insuficient funds, in fact it had a monthly plafond of I think from memory €1000. I may have got the figure wrong but I any case it was as much use as a chocolate teapot as at the time I had placed an initial €10K in there to pay for the initial renovation materials buyng furniture etc. The card started being refused after my first big purchase caused me lots of stress as I knew that I had the money, the merchants (with whom I wanted to gain confidence) were telling me I had insufficient funds like all you English and my French was not up to the job. I went into the bank and they explained that there was a plafond on the card, they were taken aback and unable to answer my question "whatever for?" but explained that I could have a higher limit by choosing a more expensive formule complete with other unwanted bells and whistles (also chocolate teapots). I chose Nationwide, As for Credit Lyonnaise I now have a cheque book account without charges and the only money that passes through the account is the €29.99 direct debit for my Free.fr tlephone, internet ad Tv as I cannot find any other way of paying it.    Report

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France ForumLegal and Finan...French FinanceCredit Agricole Scam?

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