latest Ireland dynamic currency conversion
Aug 30th, 2005 | 02:55 PM
#21
Joined: Feb 2003
Posts: 746
Likes: 0
Amelia-I congratulate you on your even going as far as you did with the bank...after 8 trips to Ireland (last one was this past April/May and next one is this October-yes, twice in one year). I have never bothered with what you are talking about....this is the first I've heard about it.....that is why Fodors is so great-I learn so much!
Thanks for bringing up this topic...I am paying attention!!
Would love to see your trip report!
Shadow
Thanks for bringing up this topic...I am paying attention!!
Would love to see your trip report!
Shadow
Aug 30th, 2005 | 07:30 PM
#22
Joined: Jan 2003
Posts: 196
Likes: 0
part of the problem with this ongoing discussion is that today there is no paper trail. The receipt you sign at the restaurant never leaves the restaurant and you are left holding your duplicate receipt which usually does not contain a signature line. all the transfers are done electronically and writing a 'refusal' on the restaurant copy does nothing if you sign it and it is in dollars. eventually the majors-probably VISA first- will do something about this but for now you MUST get a billing in euros to avoid the scam.
Aug 30th, 2005 | 07:44 PM
#23
Joined: Jun 2004
Posts: 19,000
Likes: 0
That is incorrect.
If you dispute a transaction with the card issuer when you receive the bill or reconciliation, the merchant must provide the signature document to prove the validity of the charge.
If they DON'T, the charge didn't happen. Your account is credited for the total amount.
If they DO, and it contains your written notation that you were not offered the option to pay in local currency, your claim is substantiated. The card issuer should then refund the difference and back-charge the merchant's account, since the merchant has broken the rules.
If you dispute a transaction with the card issuer when you receive the bill or reconciliation, the merchant must provide the signature document to prove the validity of the charge.
If they DON'T, the charge didn't happen. Your account is credited for the total amount.
If they DO, and it contains your written notation that you were not offered the option to pay in local currency, your claim is substantiated. The card issuer should then refund the difference and back-charge the merchant's account, since the merchant has broken the rules.
Aug 31st, 2005 | 12:22 AM
#24
Joined: Feb 2005
Posts: 355
Likes: 0
Robespierre,
Thanks for the great advice about writing across the merchant copy of the receipt.
I recently had to call my CC company because I had lost a receipt that I needed. (This wasn't even a dispute) and the CC company contacted the merchant who then had to provide a copy of the signed receipt and send it to the CC company and it was forwarded to me.
I would assume that this is exactly what would happen with a dispute and the merchant copy that they would have to send off to the CC company would then have what you had written on the copy.
I can also tell you, being in retail management that we do keep all of the signed charge slips for each day, attached to the closing batch reports. Legally we must have them in the event that there is a dispute and copies must be made.
Thanks for the great advice about writing across the merchant copy of the receipt.
I recently had to call my CC company because I had lost a receipt that I needed. (This wasn't even a dispute) and the CC company contacted the merchant who then had to provide a copy of the signed receipt and send it to the CC company and it was forwarded to me.
I would assume that this is exactly what would happen with a dispute and the merchant copy that they would have to send off to the CC company would then have what you had written on the copy.
I can also tell you, being in retail management that we do keep all of the signed charge slips for each day, attached to the closing batch reports. Legally we must have them in the event that there is a dispute and copies must be made.
