M
mickeyboymel
Guest
I work as a shop assistant/sales man. I was recently the victim of credit card fraud by a customer using a skimmed/stolen card.
The transaction went through at the time but was later recalled by the credit card company due to the card being reported stolen. However, the card was non chip and pin and although the signatures matched, I failed to get correct identification from the customer. I understand the credit card companies will guarentee the transaction if the pin goes through but with non Irish/ UK cards which may not have chip and pin, it is not as clear.
In the interveining peroid of time (5 weeks) the CCTV has being overwritten so there is absolutely no evidance or hope of apprehending this criminal and the store is out of pocket nearly €900.
I have a strong feeling that I am going to be asked to repay the money or at least reimburse the owner to the value of the goods at cost. Anyone know where I stand on this? I am only new to the job so do not want to jeprodise my position any further than I may have already done.
Would a shopkeepers stock insurance have some sort of cover in its policy relating to this type of loss or am I liable? I hasten to add my employer has not requested me to repay the money yet, but it is causing me great anxiety, not just the prospect of having to repay the money but also my own negliance in dealing with the stolen card.
The transaction went through at the time but was later recalled by the credit card company due to the card being reported stolen. However, the card was non chip and pin and although the signatures matched, I failed to get correct identification from the customer. I understand the credit card companies will guarentee the transaction if the pin goes through but with non Irish/ UK cards which may not have chip and pin, it is not as clear.
In the interveining peroid of time (5 weeks) the CCTV has being overwritten so there is absolutely no evidance or hope of apprehending this criminal and the store is out of pocket nearly €900.
I have a strong feeling that I am going to be asked to repay the money or at least reimburse the owner to the value of the goods at cost. Anyone know where I stand on this? I am only new to the job so do not want to jeprodise my position any further than I may have already done.
Would a shopkeepers stock insurance have some sort of cover in its policy relating to this type of loss or am I liable? I hasten to add my employer has not requested me to repay the money yet, but it is causing me great anxiety, not just the prospect of having to repay the money but also my own negliance in dealing with the stolen card.