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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:
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FeeFiFoFummy · 13/10/2025 05:25

I’m sorry OP, but I don’t think you’ll get your cash back. I’m sorry this happened to you. I can be rather bolshy, however, if I was in this situation, whilst I would like to think I’d throw €100 on the table and walk out, I might feel intimated enough just to pay and leave.

I bet they pick on vulnerable people intentionally. What is the name of the restaurant? The only way to move forward is to stop others from being scammed.

GarlicPound · 13/10/2025 05:33

AMoneyMatter · 13/10/2025 04:57

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.

Your replies are very elegant, but the PPs taking this opportunity to put the boot in have really pissed me off! There's no "might be right" about the comment, it was sarcastic and mean.

Thieves take advantage of things like goodwill, language difficulties and children. That makes them criminals and their victims victims, there's no shared responsibility for the crime. Anyone can get scammed, especially in a foreign environment: that includes my travel-hardened self and the people sneering at you on your thread.

I'm sorry the restaurant did that to you. It shakes you up - but please don't let those bastards undermine your confidence or your joy in travel!

NumbersGuy · 13/10/2025 05:35

This is why it's so prudent to read as many reviews on different websites before just walking into a place that looks okay. Also why so many more places are threatening suing people who write the reviews, because they are losing business for being honest for stealing from customers. The credit card companies don't want to lose the business by doing chargebacks on a regular basis, so they'll just try to ignore them as much as possible, which is what happened to you most likely. Again, always check the reviews.

GarlicPound · 13/10/2025 05:40

I definitely agree OP should name the restaurant! In both alphabets, just to maximise people's chances of finding her thread if they search.

IndoorVoice · 13/10/2025 05:45

AMoneyMatter · 13/10/2025 04:57

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.

She’s not right, OP. This isn’t your fault.

FenceBooksCycle · 13/10/2025 06:02

I think the police and courts would need to be involved for the credit card to do a refund. If it's just an allegation of a criminal coercion scam but you aren't talking ti the police about it, the card company is not being unreasonable to assume that you could be making it up. If you have reported them to the police and have whatever the local equivalent is of proof of that (crime number for example) then they would take it more seriously.

Empress13 · 13/10/2025 06:19

Name and shame on Trip Advisor. Think you’ll have to accept you’re not going to get anywhere with this as you paid. As a matter of interest which CC was it with OP?

3packspls · 13/10/2025 06:24

GarlicPound · 13/10/2025 05:40

I definitely agree OP should name the restaurant! In both alphabets, just to maximise people's chances of finding her thread if they search.

If this restaurant otherwise got good reviews then the fact an anonymous mumsnetter who seems very… well, perhaps shouldn’t have been abroad without support herself, seems to have had an oddly negative experience - then wouldn’t stop me going for a nano second 🤷‍♀️

3packspls · 13/10/2025 06:24

This reply has been deleted

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Wheelz46 · 13/10/2025 06:55

I'm sorry you went through this.

I work in fraud and we would have absolutely taken this on as fraud case, under coercion. I would maybe call back and speak to another agent or see if they have a specialised team who deal with scam and coercion.

If your credit card provider still isn't willing to go down that route, you may be best raising a dispute, showing evidence of receipts etc. and stating you are not comfortable contacting the merchant yourself due to their threatening behaviour.

AMoneyMatter · 13/10/2025 07:50

reviews were 1 star

Credit card refusing case for returning money
Credit card refusing case for returning money
Credit card refusing case for returning money
Credit card refusing case for returning money
Credit card refusing case for returning money
OP posts:
3packspls · 13/10/2025 07:58

So why did you book?

And without naming, they could just be random screen shots of anywhere

3packspls · 13/10/2025 07:59

When was the last time you had been abroad prior to this holiday?

3packspls · 13/10/2025 08:03

No screen shot of the bill itself? Or the bank transaction for 400 euros?

SagittariusDwarf · 13/10/2025 08:09

I tried to find the restaurant name by attempting to search on Tripadvisor the reviewer names on those screenshots but seems you can't do that. But my search did reveal that this is a very very common tactic in Rhodes in particular.

OP you have no chance of getting your money back. Sorry this happened to you.

MaverickSnoopy · 13/10/2025 08:12

I've taken on my fair share of complaints and reclaims over the year and I have learnt to ask what my time and sanity is worth. I see three options here:

  1. ask for the transcript of your initial phone call where you were given incorrect advice while abroad and then send a complaint and pursue it with a view to try and get your money back

  2. see whether Greece has some kind of equivalent of Trading Standards that you can go through in the hope you may get somewhere

  3. decide that your time and sanity is worth more and this is the cost you are willing to pay for your time and sanity, even if it means it takes a while to pay off.

I would go for option 3, but I also don't have any fight left in me.

Sosigrole · 13/10/2025 08:13

Google ‘Restaurant Scam Rhodes’ loads of articles about it

Arcticsway · 13/10/2025 08:20

OP I think you are going to have to chalk this up to experience. I doubt you’re going to get your money back for all the reasons given above. It was a horrible experience for you, but you did what you needed to in order to get out safely.

I understand why you want to continue to be independent as possible. When you go on your next holiday think ahead about your safety. I’m sure you already do a lot of research in advance, just extend it to restaurants and read reviews beforehand. I do that anyway to check on the quality of the food/service, but anything more serious would be shown up too.

rookiemere · 13/10/2025 08:36

I am sorry OP, many of us have experienced a scenario like this during our holidays. I don’t think you will get your money back, but to avoid a repetition I would always check tripadvisor/google reviews before you go to a restaurant. It sounds like many people have been scammed at this particular restaurant, which I guess may be some comfort. Don’t let it put you off traveling though.

latishia6 · 13/10/2025 08:42

OP, you can still get your money back. You will need to make a complaint to the bank through their official complaints procedure. Wait for their response (or for 8 weeks, whichever comes sooner). If you are unhappy with their final response or you receive no response at all, you then complain to the financial ombudsman, who will look at your case and make s final decision either siding with the bank, or making recommendations for them to fully or partially refund you. I've supported dozens of people through this process and can see your case being successful. It might not be but it is worth trying. You were coerced and subjected to threatening behaviour.

latishia6 · 13/10/2025 08:43

latishia6 · 13/10/2025 08:42

OP, you can still get your money back. You will need to make a complaint to the bank through their official complaints procedure. Wait for their response (or for 8 weeks, whichever comes sooner). If you are unhappy with their final response or you receive no response at all, you then complain to the financial ombudsman, who will look at your case and make s final decision either siding with the bank, or making recommendations for them to fully or partially refund you. I've supported dozens of people through this process and can see your case being successful. It might not be but it is worth trying. You were coerced and subjected to threatening behaviour.

And it absolutely is worth calling action fraud, getting a crime reference number and using this in all of your follow ups as it holds some weight. Action fraud won't do anything with the info.

BerryTwister · 13/10/2025 08:45

OP I would definitely appeal the credit card decision, and get the transcript of the phone call in which it was implied you’d get your money back. It may not get you anywhere, but in my experience if you keep fighting (especially when it’s a tiny amount of money for a massive bank) you will eventually win.

Having said that, it of course depends on how much money you have, how much time you have, and whether or not these battles affect your mental health. It’s important to know yourself well enough to know when to quit.

Bobiverse · 13/10/2025 09:51

AMoneyMatter · 13/10/2025 04:51

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).

You have a smart phone? It can translate a bill.

In future when you go out for your excursions, if you go into a restaurant and it is empty, don’t eat there. And check online reviews for any restaurants you do pick before you go in to see if there are reviews showing a history of scamming.

Lennonjingles · 13/10/2025 10:31

Have you tried doing a charge back on your credit card online, saying you didn’t get the service offered for what you paid.

MaiAamWaliHun · 13/10/2025 11:50

Shame on those putting the boot in, telling OP she is wet, feeble, shouldn't be travelling etc. Not everyone is bolshy and she felt intimidated. OP none of this is your fault, obvious to anyone with an ounce of sense or ability to read and comprehend. Good for you to keep going and travelling with MS-- I have it too and won't stop trying to live as normally as possible for as long as I can. Sorry this happened, hope you can get your money back.

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