Red card for fan after fraud check

Most fans applying for tickets from Fifa, the tournament organisers, are paying with a credit card because there are expensive charges for other types of purchase. However, one fan, Jim Buchanan, has lost his chance to go to the World Cup because of the fraud procedures in place at his lender, Clydesdale Bank.

After successfully applying for tickets costing just over £600, Mr Buchanan gave Fifa his Clydesdale credit card details. However, the bank's fraud system triggered staff to contact Mr Buchanan, in order to check that the transaction was bona fide. When they were unable to reach him by phone, Clydesdale cancelled the purchase.

Such checks are now routine for credit card providers whose customers spend money overseas, or attempt to make unusual transactions. But Mr Buchanan, who had to take part in a ballot to be granted the tickets, has now been told by Fifa that he has missed out.

"This seems a bit of an own goal," he said. "If I had elected to pay by bank transfer when tickets were allocated, I would have been permitted a 14-day payment window."

Peter Brown of Clydesdale said that the bank had been keen to protect Mr Buchanan from fraud.

"We can certainly appreciate his frustration regarding how events have turned out," he said. "All we or any other provider can do if a transaction is suspect is decline the transaction and contact the customer as soon as possible."

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