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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?

OP posts:
Thread gallery
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Bambamhoohoo · 12/10/2025 18:45

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.

It’s not that simple when you’re being scammed. They’re aggressive and threatening

Bobiverse · 12/10/2025 18:50

Bambamhoohoo · 12/10/2025 18:45

It’s not that simple when you’re being scammed. They’re aggressive and threatening

Yes, I’ve been abroad and been in these places. They don’t call the police. You walk out. If they don’t then you sit down and call the police yourself.

nellietheellie75 · 12/10/2025 18:52

Was it in Rhodes old town?

Bambamhoohoo · 12/10/2025 19:06

Bobiverse · 12/10/2025 18:50

Yes, I’ve been abroad and been in these places. They don’t call the police. You walk out. If they don’t then you sit down and call the police yourself.

Of course they don’t call the police. But not many people would attempt to call the Greek emergency number explain what was going on and demand attendance in a room in a restaurant surrounded by aggressive men

ToKittyornottoKitty · 12/10/2025 19:10

Bobiverse · 12/10/2025 18:50

Yes, I’ve been abroad and been in these places. They don’t call the police. You walk out. If they don’t then you sit down and call the police yourself.

If I felt threatened by men in a foreign place whilst alone with my kids I would pay the bill and leave rather than escalating it further, and many others would do the same when worrying about theirs and their children’s safety.

Julen7 · 12/10/2025 19:17

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.

Yes the “single, female, disabled with kids” is neither here nor there.

Bobiverse · 12/10/2025 19:19

Bambamhoohoo · 12/10/2025 19:06

Of course they don’t call the police. But not many people would attempt to call the Greek emergency number explain what was going on and demand attendance in a room in a restaurant surrounded by aggressive men

Edited

If they don’t let you walk out, then you do. But they will.

Bambamhoohoo · 12/10/2025 19:21

Bobiverse · 12/10/2025 19:19

If they don’t let you walk out, then you do. But they will.

It’s not whether you would, or whether you should, it’s about the wide eyed confusion about why OP didn’t- which is obviously because she was intimidated.

Jellybunny56 · 12/10/2025 19:23

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.

This unfortunately. You can’t just pay & then ask for your money back.

3packspls · 12/10/2025 19:23

You shouldn’t have been abroad OP. Certainly not unaccompanied without a responsible adult.

Bobiverse · 12/10/2025 19:31

Bambamhoohoo · 12/10/2025 19:21

It’s not whether you would, or whether you should, it’s about the wide eyed confusion about why OP didn’t- which is obviously because she was intimidated.

If she was 17 on her first holiday without her parents then I would understand it. But an adult, mother to children, plenty of life experience… sometimes we just have to toughen up and maybe we should say that more often instead of pretending it’s ok and understandable to be so wet.

IndoorVoice · 12/10/2025 19:33

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.

I mean, that’s the whole point? She shouldn’t have had to because it was a scam.

IndoorVoice · 12/10/2025 19:34

Bobiverse · 12/10/2025 19:31

If she was 17 on her first holiday without her parents then I would understand it. But an adult, mother to children, plenty of life experience… sometimes we just have to toughen up and maybe we should say that more often instead of pretending it’s ok and understandable to be so wet.

And then, perhaps she was concerned about her physical safety given she’s disabled and was with two children?

Bambamhoohoo · 12/10/2025 19:34

Bobiverse · 12/10/2025 19:31

If she was 17 on her first holiday without her parents then I would understand it. But an adult, mother to children, plenty of life experience… sometimes we just have to toughen up and maybe we should say that more often instead of pretending it’s ok and understandable to be so wet.

Yes of course. And I’ve said she doesn’t have a hope of getting it refunded for this reason. But that doesn’t mean it doesn’t happen, and you chalk the money up as lost and get annoyed.

i was had in a similar way returning a hire care- it was stressful, there was time pressure (at the airport) and they threatened all sorts with police who could’ve well have been corrupt - it’s fairly normal not to trust police abroad. It’s just not worth running away and you might be in fight/ freeze mode anyway.

IndoorVoice · 12/10/2025 20:16

Bambamhoohoo · 12/10/2025 19:34

Yes of course. And I’ve said she doesn’t have a hope of getting it refunded for this reason. But that doesn’t mean it doesn’t happen, and you chalk the money up as lost and get annoyed.

i was had in a similar way returning a hire care- it was stressful, there was time pressure (at the airport) and they threatened all sorts with police who could’ve well have been corrupt - it’s fairly normal not to trust police abroad. It’s just not worth running away and you might be in fight/ freeze mode anyway.

That’s not entirely true, people have received chargebacks when they have been coerced out of money. For instance, there have been people who have had successful chargebacks as a result of the really aggressive chuggers at train stations. If you are made to pay money by way of threat or implied threat, then that is a valid reason.

I also disagree that doing what’s needed to be done to get out of there safely is the wrong choice. If OP had ended up being attacked, then everybody would have said that she should have paid the money and that physical safety was more important. The more extreme version of this is, if somebody mugs you for your purse, and your children are with you, you give it, right?

ilovemydogandmrobama2 · 12/10/2025 20:23

Is it worth calling Action Fraud and getting their advice?

Bambamhoohoo · 12/10/2025 20:41

ilovemydogandmrobama2 · 12/10/2025 20:23

Is it worth calling Action Fraud and getting their advice?

They won’t do anything - they just pass on for potential prosecution (which they obviously won’t for this) and offer advice on how to avoid fraud

AMoneyMatter · 13/10/2025 04:36

nellietheellie75 · 12/10/2025 18:52

Was it in Rhodes old town?

@nellietheellie75yes!
have you been scammed there too?

OP posts:
AMoneyMatter · 13/10/2025 04:41

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.

I’m sorry you were scammed too and I appreciate your understanding of my plight

OP posts:
AMoneyMatter · 13/10/2025 04:51

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.

I couldn’t do that as:

  1. it was written in greek and I didn’t have the ability to translate it all to find out what it said
  2. I doubted myself and couldn’t think clearly. I suppose I went into a type of panic mode
  3. It didn’t occur to me to leave the money in the table like that. If I had you with me I’d have done that! But it just don’t occur to me. I also believe in being fair, so I would have wanted to pay enough to cover everything and with the bill not interpreted, I didn’t not have this information. Plus I was not able to use that level cognition because of the way my disability works (declined as time goes on each day)
  4. I think you might not know anyone with MS? If you did, you’d know how cruelly variable it is. I have to use assisted travel in my local airport, I have to purchase all inclusive so I can stay all week safely in the same place (having been picked up and dropped off by taxi both ends) and can only do one of two trips the entire week. This was my first trip. Perhaps I should not have done it but I hate being restricted and in a moment of feeling able, j suppose I try to push myself. But thinking about it, none of the other reviewers said they were disabled and they all were present with another adult, yet one couple were forced into separate rooms til they paid, so that part doesn’t relate to disability: only my ability to deal with it as I should have done (and fervently wish I had).
OP posts:
AMoneyMatter · 13/10/2025 04:57

3packspls · 12/10/2025 19:23

You shouldn’t have been abroad OP. Certainly not unaccompanied without a responsible adult.

This feels harsh to read but you might be right. To me, giving up that would devastate me. I live for my (rate) holidays. I’m not very good at giving up with my illness. I prefer to fight it, but I realise it’s not always the most sensible course of action.

If you said:
choose - either have a holiday and get scammed
or - don’t have a holiday and don’t get scammed

I’d always choose the former because living as normally as I can is how I survive this.

OP posts:
AMoneyMatter · 13/10/2025 05:07

Bobiverse · 12/10/2025 19:31

If she was 17 on her first holiday without her parents then I would understand it. But an adult, mother to children, plenty of life experience… sometimes we just have to toughen up and maybe we should say that more often instead of pretending it’s ok and understandable to be so wet.

I think this comes across as quite judgemental, I’m not sure if you meant it to be.

You don’t know what life experience I do or don’t have, any more than I know yours.

Supposing I was brought up in a cult, so had a ridiculously abnormal and sheltered life?
Supposing I had just escaped from a long and abusive relationship and hadn’t healed enough to have more backbone, especially around angry men?

If you knew some of my story you’d applaud my courage rather than take my weakness and tell me I’m being wet.

I’m kicking myself so much for not handling this differently. I suppose it took me by surprise because, rather naively, Greece has always been my safe place.

OP posts:
AMoneyMatter · 13/10/2025 05:08

IndoorVoice · 12/10/2025 19:34

And then, perhaps she was concerned about her physical safety given she’s disabled and was with two children?

I do think sometimes people smell weakness like a shark smells blood!

OP posts:
AMoneyMatter · 13/10/2025 05:12

IndoorVoice · 12/10/2025 20:16

That’s not entirely true, people have received chargebacks when they have been coerced out of money. For instance, there have been people who have had successful chargebacks as a result of the really aggressive chuggers at train stations. If you are made to pay money by way of threat or implied threat, then that is a valid reason.

I also disagree that doing what’s needed to be done to get out of there safely is the wrong choice. If OP had ended up being attacked, then everybody would have said that she should have paid the money and that physical safety was more important. The more extreme version of this is, if somebody mugs you for your purse, and your children are with you, you give it, right?

Edited

I appreciate everything you said here. It would seem strange for them to instruct me to put in a chargeback claim if there wasn’t a chance in hell. So they obviously do, sometimes.
And all of what you said about how it would be viewed if I put myself and my children in danger like that, is exactly why I didn’t.

Plus it didn’t occur to me at the time.

OP posts:
tripleginandtonic · 13/10/2025 05:23

I think you need to name the restaurant OP, it will stop others getting caught out. I can see whyvthe credit company might refuse to pay though, there's no real proof