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Credit card refusing case for returning money

102 replies

AMoneyMatter · 12/10/2025 10:20

I was abroad, single disabled female with two children, in a restaurant in Greece. I said what I wanted but the waiter insisted they could mix it all up in a plate we could share together which would be much better. I hesitated, as I really had been looking forward to a specific Greek dish, but the waiter looked upset I’d be missing out like that, as it was such a good offer. So I relented.

The bill should have come to around €100 but was just under €400. They insisted we pay cash only, which I didn’t have on me. I had heard them tell other customers they can’t pay by card, cash only, so I had been ready to pay cash but only for around €100. They wanted to walk me to the cash point to draw the rest out, but I said I can’t do that and it would have to be credit card payment.

I became upset and asked how could they do that when it was obvious I was a single parent so wouldn’t have much money. By this time I was surrounded by 4-5 unfriendly looking male waiters. I was aware of some customers round the corner but other than, that the restaurant was empty. I felt trapped as it was a rooftop restaurant and only exit had to be down some narrow stairs by the open kitchens, rather than straight out onto the street in the safety among other people. My disability had worsened as it always does in the evening, so I was beginning to really struggle physically.

They took me to a dimly-lit room out back, where the manager was waiting with the card machine. They told me the could take off €100 but that meant I was still paying €200 more than I should. I was tired, as were my children, and we had to catch the last bus home on time, so I just wanted to get away from the intimidating environment and paid and left.

On the way home I phoned my credit card to say I have been coerced into paying a bill I should not have been given. Luckily my eldest child had photographed the menu while we were there so we could prove the bill was way off the menu.

I then looked at reviews and found them to have one star with customer after customer complaining about the scam I had just endured. Some spoke of verbal and physical aggression when people didn’t pay, which made me thankful I had just left - but also afraid to return to try to get some refund.

I put in a case to the credit card company, explaining everything. They refused the case.

I called to ask why they refused the case and they said it was because I made no effort to return and ask them to put it right. The impression I was given was that, by paying I was agreeing, even though it was under duress. It seems I should have risked being shouted at, or hit, or parted from my party (all of which happens to other reviewers), or should have told them to call police on me. But because I did none of that, then they closed the case.

I have a photo of the food served at the table, of us being there, of the menu, and the bill not reflecting the food set before us, so the evidence is there that it was not correct. But they still said I should not have paid and should have let them call police on me. They weren’t interested in the reviews because they can be made up, even though the reviews all said exactly the same as we had experienced - and even worse - which strengthens my argument I was right to get out of there asap.

The person I spoke to on the phone suggested I try Citizens advice or even better Financial Ombudsman, but when I looked, the Financial Ombudsman only covers uk transactions so wouldn’t be ‘even better’ at all! This made me wonder at the validity of the rest of their advice, so I thought I’d ask here: is there anything I can do to get that money back?

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JDM625 · 12/10/2025 10:33

What food did you get for 300 euro? It sounds ridiculous.

I had vaguely similar, also in Greece. I paid and waited for my 10 euro change- but they never bought it back. I went to the counter to ask, they all suddenly didn't speak English.

Did you report the incident to the police whilst there for the ? If you had, you'd have a reference/report number. I wonder if you could have claim on your travel insurance?

BoredZelda · 12/10/2025 10:36

I would have thought a report to the police about what you went through would be required. Otherwise the evidence you supplies could be easily put together by anyone trying to get out of paying a bill.

ToKittyornottoKitty · 12/10/2025 10:51

Did you report it to the local police OP? You could use that as evidence.

AMoneyMatter · 12/10/2025 11:45

I didn’t report it because I had spoken to my credit card helpline and they seemed to suggest it would get refunded back to me no problem. If I had known I was supposed to take further steps I would definitely have done.

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Overthebow · 12/10/2025 14:13

I think this would be quite hard to get your money back. You should have refused to pay and if you were forced to pay by being threatened or violence then it would be a police matter. If you had a police report you’d be more likely to get somewhere.

MyrtlethePurpleTurtle · 12/10/2025 14:21

I’m afraid you’re just going to have to chalk this down to experience 😞 . This isn’t something really within the remit of credit card companies’ legal obligations to refund or travel insurance. I’m sorry you’ve had such a nasty experience

Soontobe60 · 12/10/2025 14:29

Where in Greece was this?

ToKittyornottoKitty · 12/10/2025 14:32

AMoneyMatter · 12/10/2025 11:45

I didn’t report it because I had spoken to my credit card helpline and they seemed to suggest it would get refunded back to me no problem. If I had known I was supposed to take further steps I would definitely have done.

Further steps are the usual course of action when coerced or threatened, anyone could randomly claim this when they get home and have spent more than they wanted. Unfortunately you may just have to chalk it up to experience

notimeforregrets · 12/10/2025 14:57

Where did you have to pay €400 for food? We paid €80 including drinks for three adults in Athens by the sea. Even €100 for an adult and two kids is a lot.

All of that notwithstanding, I don't think you'll get your money back, unfortunately.

Unexpectedlysinglemum · 12/10/2025 15:00

If you have police report maybe try your travel insurance ?

Unexpectedlysinglemum · 12/10/2025 15:00

You were effectively mugged so travel insurance should help especially with police report

ToKittyornottoKitty · 12/10/2025 15:01

Unexpectedlysinglemum · 12/10/2025 15:00

You were effectively mugged so travel insurance should help especially with police report

She said she didn’t report it to the police

Overthebow · 12/10/2025 15:02

Unexpectedlysinglemum · 12/10/2025 15:00

If you have police report maybe try your travel insurance ?

She doesn’t have a police report as she didn’t report it to them.

SixSeven · 12/10/2025 15:07

Was it DK Oyster, infamous for being Greece’s scammiest restaurant?

BadgernTheGarden · 12/10/2025 15:11

It sounds like they 'encouraged' you to get a restaurant special, which was really expensive, did you ask the price before you ordered it? I'm not sure what you expect a credit card company to do about you ordering more expensive food than you thought it would be. As others have said if you thought it was a con you should have reported to the local police, although I don't suppose they would have been too interested you might have got a police report number for your CC company.

Soupandaroll · 12/10/2025 15:15

Was it Mykonos? Heard of that scam happening a lot there. Also happened to some friends in Ibiza years ago

BadgernTheGarden · 12/10/2025 15:16

You could send a letter to the restaurant threatening legal action if they don't refund you, worth a try?

Do they have a facebook page or similar where you can complain bitterly and make them look bad while demanding a refund?

AMoneyMatter · 12/10/2025 17:12

BadgernTheGarden · 12/10/2025 15:11

It sounds like they 'encouraged' you to get a restaurant special, which was really expensive, did you ask the price before you ordered it? I'm not sure what you expect a credit card company to do about you ordering more expensive food than you thought it would be. As others have said if you thought it was a con you should have reported to the local police, although I don't suppose they would have been too interested you might have got a police report number for your CC company.

They encouraged us to go for something that the closest thing on the menu would be €150, but then they charged us €180 for it was well as the 3 separate meals we had moved away from!

So effectively charging 6 meals for 3 people. There was also an undisclosed €35 at the bottom that makes no sense.

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AMoneyMatter · 12/10/2025 17:14

BadgernTheGarden · 12/10/2025 15:16

You could send a letter to the restaurant threatening legal action if they don't refund you, worth a try?

Do they have a facebook page or similar where you can complain bitterly and make them look bad while demanding a refund?

There isn’t any website other than reviews about it, so no email. I could contact tourist police but not sure whether it’s too late now.

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AMoneyMatter · 12/10/2025 17:14

Soupandaroll · 12/10/2025 15:15

Was it Mykonos? Heard of that scam happening a lot there. Also happened to some friends in Ibiza years ago

No it was in Rhodes

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ScaryM0nster · 12/10/2025 17:18

AMoneyMatter · 12/10/2025 11:45

I didn’t report it because I had spoken to my credit card helpline and they seemed to suggest it would get refunded back to me no problem. If I had known I was supposed to take further steps I would definitely have done.

I’d take a guess that this bit might be your best angle.

Otherwise, you’re claiming that you want it to be handled as a crime, but also that you didn’t do anything to report it as a crime. Which is very unlikely to get you anywhere. Whereas if you followed the advice that you were given by the card company, then they should honour that.

The calls will have been recorded. Raise a complaint and ask for the transcript or the recording.

AMoneyMatter · 12/10/2025 17:28

notimeforregrets · 12/10/2025 14:57

Where did you have to pay €400 for food? We paid €80 including drinks for three adults in Athens by the sea. Even €100 for an adult and two kids is a lot.

All of that notwithstanding, I don't think you'll get your money back, unfortunately.

It was in Rhodes but all listed on the menu and should have been around €100

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SixSeven · 12/10/2025 18:29

I’m really confused how they justified the bill if it was all itemised? And why you paid for food you’d clearly not had?

Bambamhoohoo · 12/10/2025 18:34

I think you have to chalk it up to experience Op. travel insurance can’t help, they won’t give a crap about a faked legal letter and the credit card company expected you to do more to avoid paying. The photos of menus etc don’t mean anything.

it’s a kicker but it happens a lot. Tourist scammers know how to scare you. We have suffered similar with a car hire company- I can look back and think I should’ve called the police but you know what, these guys know what they’re doing. It probably wouldn’t have changed anything.

Bobiverse · 12/10/2025 18:41

What did they say when you pointed at each dish you did not have and say, “I did not have this.”

Why didn’t you just put the 100 euros on the table and walk out, and tell them to call the police if they want to. It was a scam so they wouldn’t have.

This whole “female disabled with kids” doesn’t really matter; you’re an adult, with the ability to take your kids on holiday so you’re not that feeble.

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