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Credit card

January 8, 2010 | 20,00 EUR | answered by Steffan Schwerin

My credit card was misused and now I am supposed to pay 2000 euros that I don't have. Who should I contact now? Can I take any legal action against this?
Regards

Steffan Schwerin

Dear questioner,

I will answer the questions you have asked considering the circumstances described and your effort as follows:

Firstly, you should file a criminal complaint with the police against unknown perpetrators if you do not know who the offender is.

With this report, you can then go to your bank and handle further proceedings there. The bank may take further steps if necessary.

The bank may also be able to reverse the charges.

The following steps should be followed:

1. Upon receiving the statement, immediately call the hotline number on the statement. Explain the situation and request the card to be blocked. It is best to write down the ticket ID and contact person.

2. Transfer to the fraud department and specify which transactions do not make sense and where you would like to dispute them. Again, write down the name of the contact person.

The credit card issuing company will then send a SWORN statement by fax or mail with the unauthorized charges for you to sign. You must declare that you have no connection to these transactions. Sign and return it immediately by fax or mail to the institution.

3. Then go to the bank where you have the card. Present the statement and a copy or the original of the SWORN statement and request a "payment claim" for the unauthorized charges on the statement. You will need to sign this and then it will be processed.

The issuing institution needs this statement to take action against the company demanding the money or to prove that you did not make these transactions.

Don't forget to file a criminal complaint with the police.

I must point out that this platform cannot replace a comprehensive and personal legal consultation. The aim is solely to provide an initial rough assessment of your legal issue based on the information you have provided to a lawyer. The legal advice I provide is based solely on the factual information you have provided. Adding or omitting relevant information in the context of your description of the circumstances may result in a completely different legal assessment.

I hope I have given you an initial overview and that my explanations have helped you. You are welcome to contact me through this portal for further questions.

Furthermore, I am available for representation. I would credit the initial consultation fee in full.

A greater distance between lawyer and client is generally not a problem. With the help of modern communication tools such as email, mail, fax, and telephone, representation is also possible.

Yours sincerely,

Steffan Schwerin
Lawyer

Law Firm Steffan Schwerin
Golmsdorfer Straße 11
07749 Jena

Tel.: 03641 801257
Fax: 032121128582

Email: raschwerin@raschwerin.de

Website: www.raschwerin.de