急!!!急!!!急!!! 請問大家知唔知信用咭如果俾人盜用左的話,個筆數我地係需唔需要還既呢?

因為上個月中,銀行打俾我,問我有無簽過一D數,我話無,仲叫我check下張card係咪唔見左,因為佢地銀行懷疑我張card俾人盜用左,仲叫我去報警,我報左警之後,差館個邊都無回音,咁就已為佢地銀行同差館已經有左共識,所以我就無理到件事,到左今日我又突然收到銀行既月結單,列出要我所要交個D數,就係上次去差館報案時,銀行sent過差館懷疑我俾人盜用個D資料,咁我而家應該需唔需要還呢筆數架呢?同埋我應該要點應對呢?如果銀行係都要我還錢的話,我有什麼論點可以同銀行講唔駛我還錢呢?同埋呢件事大家覺得我有無得同銀行撐架呢?希望有專業人士可以幫到我,唔係專業既,希望可以幫我問下你地身邊既朋友,幫下我!因為個數目都幾大架。

Update:

而家係銀行懷疑先,係咪應該還既機會唔大呢?因為我諗銀行先懷疑既原因係因為我睇番銀行send過去差館個份料,盜用我張咭個人係差不多在同一個時間同一個商場try左好多間鋪,1)簽第一次既數係幾百蚊就成功左,2)跟住試左幾次都唔成功,3)跟住隔好近既時間就成功簽左六千幾,3)跟住去第二D鋪就試左十幾次都唔成功,咁樣既案件,如果銀行係都要我還的話,我可唔可以話銀行都應該有責任要負呢?因為佢地銀行咭中心應該要監管我地信用咭既運作,我以上講個單案件明眼人一睇就覺得有問題啦,而銀行唔制止佢的話,仲由得佢過數,咁係咪銀行既責任呢?唔好意思!因為實在太急,希望無阻到你啦!

Update 2:

Sorry .我張card真係唔見左架!

Update 3:

我條咭數total係$6910,同埋多謝你咁詳細既解釋,thanks!

1 Answer

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  • 1 decade ago
    Favorite Answer

    It is normal procedure that Bank sends you bill asking you to pay transactions made by using your credit card whether you have used the card or not.

    -What you have to do now :

    *** Take my advice .....::::

    Call to Bank tell them exactly what happened again , note down name of person who answers your call.

    Then write to them in formal letter telling them what had happened and tell them strongly that those card transactions were not made by you and that the card is in your hand all the time, and advice them that you refused to made such payment!!!!

    Then go to police , give them the payment advice and tell them again that you have not made those transactions, aske Police to make additional note to your second report.

    - Take my advice---- Do not pay the Bank if you really have not used the card. Just write and launch complaints to their management.--

    ****--Don't worry, you will sure win !!!!!****

    2008-01-17 23:29:29 補充:

    OK. in the case you lost the card. It is your responsibility to advise the Bank of your lost card. In the case you did not know your card already lost, You just tell the Bank and Police the facts and show proof of when did you lost the card or you did not know the lost of card.xt.

    2008-01-17 23:30:09 補充:

    Because you failed to advice Bank of your lost card and you cannot give proof of you have lost the card. Then in most cases you are responsibility to all transactions made by using your card cos you have the responsibility to keep the card in save place.

    2008-01-17 23:30:23 補充:

    -Don't agreed to pay at the time being amd see what happens next.

    2008-01-18 14:13:34 補充:

    The Bank will continue to call you or write to you asking for payment. Finally they will send you letter from lawyer and give you a dead line then if you do not repond they will take legal action. It depends on the amount envolved. ***what is the total amount envolved in your case?

    2008-01-18 14:16:41 補充:

    I suggest you to talk with the Bank, explain that you are the one who suffers most from this event. Try to ask for negotiation....e.g. - you will pay 40% or 60% of the amount etc.Hope will help you in this matter.!!!

    2008-01-18 14:19:49 補充:

    I mean that Negotiation is you last action.Tell the Bank in the mean time, that it is a criminal case and wait for Police report, untill then you will not do anything and that you will not pay for transactions made by using your lost card.

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