Though I was not convinced about the direct selling business, I fell prey to their jugglery of words, promises and dreams. One person convinced me to join the business by purchasing products worth $9,335. He used my credit card for the purchase of products online from his computer.
However, after the purchase of products, I felt that I was cheated by the individuals and requested them to cancel the purchase. But they delayed my request and the company informed that it will charge 5 per cent transaction fees in bank charges as per the terms and conditions mentioned in their purchase which was not conveyed to me.
The individuals who introduced me to direct selling business advised me to initiate legal action against the company to waive off the bank charges.
The company's representatives mentioned that they are not responsible for false information provided to me. I paid Dh35,300 and due to the cancellation, I will be losing around Dh4,500, including the bank charges and exchange rate loss.
Can I register a complaint against the company to get my amount lost due to cancellation?
Pursuant to your questions, first and foremost you need to check the authenticity of the company if it is allowed to conduct direct selling business, in the UAE.
You may verify the licence of the company in their premises as it is mandatory for all businesses in the UAE to display their licence in their respective offices.
In the event, direct selling is not mentioned in the licence of the company, and they conduct direct selling then the company is conducting illegal business.
Know the law
Article 13(2) of the Federal Law No. 5 of 2012 states whoever uses a credit or electronic card or debit card or any other electronic payment method without authorisation shall be punished by the imprisonment and fine not less than Dh500,000 and not in excess of Dh2million.
You may contact Consumer Protection Department at Dubai Economic Department and place your grievances before them.
It is not advisable to hand over your credit card/debit card to a third party to do transactions on your behalf.
What evidence do you have to accuse the person who used your card to make payment, without your consent? In fact, how will you accuse such a person of using your card without your consent when you must have voluntarily handed over your card to this individual. Did this individual take your card forcefully to use it without consent?
If this individual forcefully took your card and used it without your consent you may file a complaint against the individual pursuant to Article 13(2) of the Federal Law No. 5 of 2012 related on Combating Cybercrimes which states: "Shall be punished by the imprisonment and fine not less than five hundred thousand dirhams and not in excess of two million dirhams or either of these two penalties whoever forges, counterfeits or reproduces a credit card or debit card or any other electronic payment method by using any information technology means or computer program. Shall be punished by the same penalty whoever uses, without authorisation, a credit or electronic card or debit card or any other electronic payment method aiming to obtain, whether for himself or for others, the funds or properties of others or benefit from the services provided by third parties."
Ashish Mehta writes.
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