When I clicked on a banner I was taken to the ordering pages with no terms and conditions. How can these people expect you to read the terms and condition when they are not listed on the ordering pages? Complete scam and they know it. Visa are getting a huge amount of complaints about these.
In future I will only used a prepaid credit card when shopping online, then people like this can't take more than is there.
The easiest way to fight back against these fools is to click their banner adverts on the search engines. This will soon eat into their marketing budget and hammer their end of year profit.
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