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bingy_burge · 03-11-2009, 11:24 AM

I would of phoned barclaycrad on the spot using the number on the back of the card and confrimed the situation if not I would tell the shop I need my card back and if the refused contact the police.

NickX · 03-11-2009, 11:29 AM

What

Talk about dragging up ancient history, this rather amusing thread was a blast from the past.

Perhaps the OP can update us on their situation

TFD · 03-11-2009, 11:52 AM

Quote:

Originally Posted by bingy_burge

I would of phoned barclaycrad on the spot using the number on the back of the card and confrimed the situation if not I would tell the shop I need my card back and if the refused contact the police.

A) It's not YOUR card. It's the issuer who wanted it back.

B) The shop has done nothing wrong - it's not yours, and it's something they're asked to do by the bank who owns the card!

As stated above, I'd want to see you charged with wasting police time. Why should they return the card to you, when the bank has asked them not to!?!

Degenerate · 04-11-2009, 1:39 AM

Quote:

Originally Posted by TFD

Agreed with the post above, that this is too late...

But disagree with you totally - that would be called wasting police time! They could be helping somebody in trouble, but instead dealing with your timewasting call, as you misunderstand your rights.

The card DOES NOT belong to the cardholder - it belongs to the issuer, who is more than entitled to ask a retailer to retain the card. This is part of your card agreement, and also part of their merchant services agreement.

If you're not happy, then call the card issuer as soon as possible to confirm the reason for the card to be withheld.

All the comments about "I'd kick off" etc make me angry, as it's idiots like you that a shop just does not need.

Totally missed the point. I am well aware that the card belongs to the issuer. My card issuer can contact me if they want it back. Otherwise, my agreement with the issuer explicitly demands that I safeguard my card and PIN with due diligence, not let it get into the hands of any stranger that spins me a line.

If you'd bothered to properly read my previous post, you'd have seen me point out that a retailer who attempts to confiscate my card is indistinguishable from a confidence trickster who is attempting to obtain my card and PIN. A duly diligent person would therefore have no option but to involve the police. This would not count as wasting police time, because I would have had no way of knowing I wasn't being conned and would therefore have acted in good faith.

Before you start calling people idiots it would behove you to have answered the valid points made above, lest you look like an idiot yourself.

LeeSouthEast · 04-11-2009, 2:36 AM

I realise this is an ancient thread... but as I'm here...

As the police refusing to attend often causes frustrations for all concerned, why not just phone your card issuer on the spot and either a) confirm the request to retain, or b) advise them to cancel the card there and then if you're worried about fraudsters?

Degenerate · 04-11-2009, 5:00 AM

Quote:

Originally Posted by LeeSouthEast

As the police refusing to attend often causes frustrations for all concerned, why not just phone your card issuer on the spot and either a) confirm the request to retain, or b) advise them to cancel the card there and then if you're worried about fraudsters?

From the original post:

Quote:

I returned home that night and called barclays, only to be passed on to EIGHT different people, cut off, told to call another number, put through to an answer phone, kept on hold for 20 minutes, and then told to ring yet another number.. I finally got through to someone this morning (had to wait because of the bank holiday..) who said it was nothing to worry about, and just a "security check" they are performing on "all of their customers" yeah right. So they're retaining EVERYONES cards?!

This sounds typical from my personal experience of Barclaycard's godawful Indian call centres.

Not everyone has time to waste standing in shops running up their mobile phone bills. The fundamental point is that you shouldn't have to. Retailers should not be confiscating cards, because no-one should be expected to give up custody of their card to a stranger. Even the card issuers themselves do not usually ask their customers to send cards back, rather they ask you to destroy it, so how can anyone with any sense think it's ok to let some shop assistant they just met have it? If you're trying to take something from me, the burden of proof that you are entitled to do so lies with you, and there's really no expedient way to prove it in that scenario.

ElkyElky · 04-11-2009, 7:24 AM

What I don't understand is.. obviously Barclaycard cancelled the card and instructed the retailer to keep the card.

Does it really matter whether the retailer, you or osama bin laden keeps the card? If it's cancelled, it's nothing more than a useless piece of plastic.

Degenerate · 04-11-2009, 11:06 AM

Quote:

Originally Posted by ElkyElky

Does it really matter whether the retailer, you or osama bin laden keeps the card? If it's cancelled, it's nothing more than a useless piece of plastic.

When you only have the word of the stranger who is trying to take your card from you, it matters quite a lot.

bingy_burge · 04-11-2009, 11:51 AM

Quote:

Originally Posted by TFD

A) It's not YOUR card. It's the issuer who wanted it back.

B) The shop has done nothing wrong - it's not yours, and it's something they're asked to do by the bank who owns the card!

As stated above, I'd want to see you charged with wasting police time. Why should they return the card to you, when the bank has asked them not to!?!

Yes I understand that but unless barclaycard can tell me on the phone that they are retaining my card I am not letting a shop keep it, as it could be a scam. I would also then ask the was cut up on the spot.

I need clarification from the bank that owns the card that they have instructed the shop to keep it if that was confirmed to me then I would accept the shop keeping it. If nolt it could be a scam!

TFD · 04-11-2009, 11:36 PM

You're all paranoid. It's not up for the shop to pass the phone over to you to talk to them! If you want proof, then ring the card issuer yourself.

If it was me working in the shop, I'd like to see you successfully getting me to hand the card back to you...

Eyesparky · 05-11-2009, 12:41 AM

This is clearly open to fraud. If this happened to me I would insist on seeing the card shredded in front of me. It is not paranoia, identity theft and card fraud are major issues. Leaving a shop where I entered my pin into a terminal and left them the physical, intact card with my 3 digit security number and signature on the back on the say so of the person behind the till ... not likely. I wouldn't be leaving the store (or sight of my card) until I had verified the situation with the card company and seen the total destruction of the card.

never-in-doubt · 05-11-2009, 6:59 AM

Quote:

Originally Posted by TFD

If it was me working in the shop, I'd like to see you successfully getting me to hand the card back to you...

It'd be quite easy actually.... when the guy has you round the throat, your managers first instinct and duty is to protect you - the employee. In which case, 99% of the time they will instruct you to return the card to the owner if things are getting out of control.

Bottom line is you're there to do a job, not take a beating over a card that has nothing to do with you. You will not be done by the bank for giving it back, yea you won't get the £50 reward if it was stolen etc but trust me, most managers would tell you to return the card to avoid any violence/conflict in the store in front of other customers.....

So yea, i'd say i'd have a very high (99%) chance of getting it back from you if you worked in a shop and that happened.....

(nah nah, nah nah nah!)

NickX · 05-11-2009, 10:21 AM

Quote:

Originally Posted by never-in-doubt

So yea, i'd say i'd have a very high (99%) chance of getting it back from you if you worked in a shop and that happened.....

(nah nah, nah nah nah!)

Yep, I would think anyone attempting to retain my card would have to be pretty committed to their job (and the £50 bonus) to succeed.

All the people quoting that the card is the property of the card issuer and that the shop has a right to retain it are not really considering the reality of a confrontation with a angry 6ft + male who is not prepared to leave the shop without his card

dzug1 · 05-11-2009, 10:30 AM

Quote:

Originally Posted by NickX

Yep, I would think anyone attempting to retain my card would have to be pretty committed to their job (and the £50 bonus) to succeed.

All the people quoting that the card is the property of the card issuer and that the shop has a right to retain it are not really considering the reality of a confrontation with a angry 6ft + male who is not prepared to leave the shop without his card

Well the reality is you are a bully who is prepared to break the law and use force or at least the threat of force to get his way. You've tried denying that in your posts but seem finally to have admitted it here.

Maybe you should try anger management therapy

never-in-doubt · 05-11-2009, 10:34 AM

Quote:

Originally Posted by dzug1

Well the reality is you are a bully who is prepared to break the law and use force or at least the threat of force to get his way. You've tried denying that in your posts but seem finally to have admitted it here.

Maybe you should try anger management therapy

Not at all - a bully is not someone that requests their card back from a shop assistant who has no legal right to retain the card in the first place.

They are 'asked' by the lender to retain it, there is no legal guidance to do so therefore a simple threat of tearing a head off should suffice - failing that you can physically remove the card from their possession.

I am 5'10" small and not a bully but started this point, so your logic makes no sense and instead bears some sort of grudge to Nickx which isn;t the point really is it?

NickX · 05-11-2009, 10:41 AM

Quote:

Originally Posted by dzug1

Well the reality is you are a bully who is prepared to break the law and use force or at least the threat of force to get his way. You've tried denying that in your posts but seem finally to have admitted it here.

Maybe you should try anger management therapy

No I am not a bully and if you actually knew me you would be aware of that.

I never mentioned using force or breaking the law. Indeed, generally I am law abiding, although I am sure everyone has the occasional breach of the law (never break the speed limits on your way to work ??)

However I am assertive and am prepared to confront if I feel I am not being treated as I would expect.

Many people do not like confrontation and as a result they are miss-treated often by corporations such as Banks and Retailers. I simply stand up for the consumer (as you would know by reading my posts on here) and I would simply say to people, "If you are not happy with a particular situation then say so and make your point coherently and assertively". If you think that is bullying then that is your perogative and I would simply disagree.

never-in-doubt · 05-11-2009, 10:45 AM

Quote:

Originally Posted by NickX

No I am not a bully and if you actually knew me you would be aware of that.

I know you're not a bully, uncle Nick (lol)

marksoton · 05-11-2009, 10:45 AM

Bit of a mixed one this. The card issuer has always retained the card as their property. However in these days of increased fraud i am not sure i would be happy to surrender a card to any retailer, or for that matter any third party.

I guess the only middle ground is to speak to the card issuer before leaving the premises. Not ideal and not always practical.

Is it really that common for a well run account to have the card not only declined but also retained though !!?

I posted only a few days ago having had my lloyds card refused on security grounds, but it was always returned to me....

NickX · 05-11-2009, 10:48 AM

Quote:

Originally Posted by never-in-doubt

I know you're not a bully, uncle Nick (lol)

Thanks

If you want to talk about bullys just have a look at some of the collections departments of our favourite Card Providers and their DCA mates. Threats to send heavies round to remove property and make you bankrupt all because you are a few days late with a payment. You just need to read a few stories on here. Thats bullying IMO.

never-in-doubt · 05-11-2009, 10:50 AM

Quote:

Originally Posted by NickX

Thanks

If you want to talk about bullys just have a look at some of the collections departments of our favourite Card Providers and their DCA mates. Threats to send heavies round to remove property and make you bankrupt all because you are a few days late with a payment. You just need to read a few stories on here. Thats bullying IMO.

I totally agree - as you know i'm also pro consumer and anti lenders (or bullies) and some of their tactics are shocking to say the least!