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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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willowtree99 · 13/10/2025 12:01

Julen7 · 12/10/2025 19:17

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

It kindof is tho.

Scammers look for people with vulnerabilities.

Female - less likely to get physically aggressive
Disabled - unable to push past or leave quickly.
Kids - not wanting to make a scene or argue in front of them.

A a group of burly men are a whole lot less easy to intimidate.

Julen7 · 13/10/2025 12:09

willowtree99 · 13/10/2025 12:01

It kindof is tho.

Scammers look for people with vulnerabilities.

Female - less likely to get physically aggressive
Disabled - unable to push past or leave quickly.
Kids - not wanting to make a scene or argue in front of them.

A a group of burly men are a whole lot less easy to intimidate.

I don’t think these details will help with getting a refund from a credit card company or through other means was really what I meant.

Whyherewego · 13/10/2025 12:20

AMoneyMatter · 13/10/2025 05:12

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.

Edited

I think OP you need to call back your credit card explaining

  1. You called them after the incident to get advice from them and to explain the situation
  2. They did not provide advice to go and attempt to get a refund (they should have a call recording to back this up) and indicated you could submit a claim on return.
  3. Nor did they advise to contact police
  4. You submitted a very well evidenced claim with photographs of menu, food and evidence that this restaurant has done this before
  5. If they dont reopen and reassess your claim then they need to provide details of how to escalate through the complaints procedure and FCA

I think you've got a strong case given you called them so promptly and they did not give any specific advice as to what to do to mitigate losses

ETA by strong case I mean take it to the FCA

Warmbroc · 13/10/2025 15:59

Did you take a picture of the bill?

latishia6 · 13/10/2025 20:05

Whyherewego · 13/10/2025 12:20

I think OP you need to call back your credit card explaining

  1. You called them after the incident to get advice from them and to explain the situation
  2. They did not provide advice to go and attempt to get a refund (they should have a call recording to back this up) and indicated you could submit a claim on return.
  3. Nor did they advise to contact police
  4. You submitted a very well evidenced claim with photographs of menu, food and evidence that this restaurant has done this before
  5. If they dont reopen and reassess your claim then they need to provide details of how to escalate through the complaints procedure and FCA

I think you've got a strong case given you called them so promptly and they did not give any specific advice as to what to do to mitigate losses

ETA by strong case I mean take it to the FCA

Edited

Financial ombudsman not FCA. FCA won't look at something like this.

Whyherewego · 13/10/2025 20:07

latishia6 · 13/10/2025 20:05

Financial ombudsman not FCA. FCA won't look at something like this.

Sorry yes ! Thank you

Eastie77Returns · 13/10/2025 22:09

Found a restaurant in Rhodes old town on Tripadvisor with over 400 abysmal 1* reviews describing the OP’s experience, so I’m assuming it’s the same place. A few reviewers have written that they stood their ground, refused to pay the rip off bill and told the waiters they were going to the police after being presented with extortionate bills.The waiters then relented and accepted a lower payment.

I’m baffled as to how the OP ended up there and also why hundreds of people also went to this bar when there were already so many negative reviews online. Absolutely crazy.

Julen7 · 13/10/2025 22:24

Eastie77Returns · 13/10/2025 22:09

Found a restaurant in Rhodes old town on Tripadvisor with over 400 abysmal 1* reviews describing the OP’s experience, so I’m assuming it’s the same place. A few reviewers have written that they stood their ground, refused to pay the rip off bill and told the waiters they were going to the police after being presented with extortionate bills.The waiters then relented and accepted a lower payment.

I’m baffled as to how the OP ended up there and also why hundreds of people also went to this bar when there were already so many negative reviews online. Absolutely crazy.

I’ve read the reviews too, it’s bizarre. Tale after tale of people going in there for drinks (where they ordered pints but were given massive boot glasses) or somehow being coerced into ordering huge platters of food they didn’t want and then being presented with bills for hundreds of euros.

We are going to Rhodes next year and this is a heads up to me to check out every single restaurant in advance,

Eastie77Returns · 13/10/2025 23:07

I don’t get it. Hundreds of people saying they ordered a basic main and a single drink but were presented with huge platters of seafood and meat they didn’t order and the enormous boots of beer. Surely you would say: “sorry there’s been a mistake, this isn’t what I ordered. Please bring me the Moussaka and glass of wine I asked for?”

There are photos of bills made out only in Greek for 500 euros - people paid these enormous sums with no understanding of what they were paying for. Plus pictures of meals that look completely inedible.

Such a bizarre set up and hundreds and hundreds of people have walked into fall into this trap.

OnlyOneAdda · 13/10/2025 23:25

I feel so very sorry for you OP as I can exactly imagine how stressful and intimidating that situation would have been at the time; and how you would have felt backed into a corner and vulnerable.

Unfortunately, I can't see an angle to claim the money back 😞

It really is incredibly shit that there are people out there that would behave like this, try and focus on the fact that you and your children are safe and if you had stood your ground things may have got nasty.

Really feel for you.

GarlicPound · 14/10/2025 01:56

I've never pre-checked a restaurant on Trip Advisor, in the UK or abroad! I get that lots of people are very determined to avoid making mistakes, but surely they can understand lots of other people prefer to play things by ear?

I would expect my poor choices to result in a disappointing meal or annoying atmosphere, not full-on extortion.

The Daily Mail did an article on these places in Rhodes Old Town - archive link:archive.ph/WhK1u

Puskiesauce · 14/10/2025 02:51

I would dedicate the rest of my days slating them absolutely everywhere.

I'd join every FB group on Rhodes, holidays, Greece plus on here, net mum's, MSE etc etc and I'd post regularly, naming them and warning others.

You might not be able to get your money back but you can at least lose them money as much as possible.

Sidebeforeself · 14/10/2025 20:00

Was it “fresh fish” OP? We fell for that once but nowhere near as much as 400 euros.

ClaredeBear · 14/10/2025 20:46

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.

It’s because you didn’t give the service provider the opportunity put things right. Of course they would not have moved from their position but when you relayed the story to your credit card provider, they need to hear you took that step.

Makingadecision · 14/10/2025 20:58

I think you have every right to enjoy yourself on holiday. Good for you for going. The restaurant sounds awful. Sorry you got scammed. I doubt you’ll get your money back unfortunately but don’t let it put you off going away again.

MyrtlethePurpleTurtle · 14/10/2025 21:01

3packspls · 13/10/2025 07:58

So why did you book?

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

Give it a rest

MyrtlethePurpleTurtle · 14/10/2025 21:02

3packspls · 13/10/2025 07:59

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

Give it a rest

MyrtlethePurpleTurtle · 14/10/2025 21:03

3packspls · 13/10/2025 08:03

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

And did I say, give it a rest?

MyrtlethePurpleTurtle · 14/10/2025 21:08

AMoneyMatter · 13/10/2025 07:50

reviews were 1 star

Wow - I've just read the reviews of the restaurant in question on TripAdvisor. I don't think I've ever seen a 2.6 rating before. I would add a review and join the chorus of negative reviews

Sassylovesbooks · 14/10/2025 21:14

There was an article I was reading back in the summer warning tourists of this type of scam. Rhodes was one of the destinations mentioned. Unfortunately, there is little that can be done now after the event. You needed to have reported it to the police at the time. I think it's something you'll have to chalk up to experience. Please don't let this incident put you off visiting Greece again. I have been to various places in Greece and never experienced anything like this.

MyrtlethePurpleTurtle · 14/10/2025 21:15

GarlicPound · 14/10/2025 01:56

I've never pre-checked a restaurant on Trip Advisor, in the UK or abroad! I get that lots of people are very determined to avoid making mistakes, but surely they can understand lots of other people prefer to play things by ear?

I would expect my poor choices to result in a disappointing meal or annoying atmosphere, not full-on extortion.

The Daily Mail did an article on these places in Rhodes Old Town - archive link:archive.ph/WhK1u

OP's scam restaurant features heavily in this Daily Mail article

GAJLY · 14/10/2025 21:31

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.

Yes this is what you need to do. Explain that the food ordered was not given. Different food appeared. You tried to talk with them to put it right, and they refused. Put it through again.

Empress13 · 14/10/2025 21:32

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.

I disagree I have travelled far and wide especially to Greece and never been scammed. This was I would think an unfortunate incident. OP please don’t let it put you off travelling to Greece in the future. I have always found the people there to be very friendly.

MyrtlethePurpleTurtle · 15/10/2025 10:12

Empress13 · 14/10/2025 21:32

I disagree I have travelled far and wide especially to Greece and never been scammed. This was I would think an unfortunate incident. OP please don’t let it put you off travelling to Greece in the future. I have always found the people there to be very friendly.

Good for you. However, OP and many others at this particular restaurant have been scammed and unsurprisingly may be out of revisiting Greece/Rhodes.

incidentally, I’m currently in Rhodes (scam free) 🤭

MyrtlethePurpleTurtle · 15/10/2025 10:19

@AMoneyMatter - I appreciate this won’t get your money back - but, if you have the energy/inclination to be public spirited, you are encouraged to report ‘misconduct’ to a) the Ministry of Tourism, and b) the Tourist Police, Their contact details are linked below - discover-rhodes.com/tourist-rights-and-protection/