Of the

FRAUDSTERS have been cashing in on pension confusion. This week I’ve heard victims have been receiving letters saying they have to“opt in” to the new National Pension Scheme by completing a form and sending it back to a PO Box address. The form asks for all the information a scammer needs to fleece you of your money. If you receive a letter or email like this, throw it in the bin or delete it – it’s not genuine. Do not complete the form. If you have already sent it back, change all your account details. provider and trader. When PayPal ( or any other similar payment processing company) is involved it means there is no direct payment. The card provider pays PayPal, who then pays the trader. THE 105-DAY RULE

Paula in London had a dispute with a retailer over a sofa. She made a section 75 claim which was rejected by the card provider because of a “lack of evidence” supporting her case.

My thoughts: When a section 75 claim is made, the card provider approaches the trader and gives them 45 days to dispute the claim and then a further 60 days to gather evidence.

This means that it is important to provide as much information and evidence as you can when submitting a section 75 claim. The card company needs this.

You should also ask the company if you can see the trader’s response and request an opportunity to reply to that.