In the last issue I reported that I had managed to get a retailer her money back following a Worldpay transaction that had be done using a cleverly doctored card. In Subash Inamdar’s case I was unsuccessful.

A very experienced staff member did two separate transactions with the same card, worth £373 and £190, for a “very relaxed” bloke and his mate at Subash’s store, Wine World in St Albans. The mate said: “Oh, get mine too and I’ll pay you back.” Staff checked the signature, looked at ID and even photographed it on his mobile phone, so Subash has the man’s address.

But two months later his merchant services company First Data said the cardholder’s issuing bank had advised that the transaction was not authorised and had been declined.

Subash insists it was not declined. He says the card was swiped. The receipt asked for a signature and had an authorisation number on it.

First Data looked into the situation, but keeps saying their hands are tied and Subash needs to go to the police.

I talked to First Data and they said it was an unchipped International card issued by a Canadian bank. The woman I spoke to didn’t know whether it had been cloned. All she knew was that when she consulted Visa online, the card came up as blocked.

First Data took the money back (after promising not to do it straight away) causing one of Subash’s cheques to bounce.

I hope the police express interest in this case, especially as there is an address.