Using someone else's card to pay of a debt

RuthnJasper

horsepills wrote: »

Ben - is this female friend of yours very attractive? I sense you probably fancy her and think this may be a way to eventually end up sleeping with her. Trust me, it won't work - she'll just see you as the kind friend who'd do anything for her, and she'll string you along for ever. Sure, she'll say how great you are, etc... and you'll feel like you're getting somewhere - but face it Ben. You will never EVER get into her pants.

Don't give her the money. The heartless using devil woman. :mad:

B.E.N. - Don't listen to this too seriously! (although horsepills DOES have a point). My best friend helped me with some money once (I'm straight, so it was not a sexual thing, but hope this advice helps anyway...). It meant the world to me and made such a difference. I was happily able to help my friend in return with something else. Go with your instinct. She may value you for helping her out this once - but if requests for financial/payment help are frequently forthcoming in future, then horsepills is right. Do what your gut tells you - only YOU know exactly what the situation is. But keep your mind open, as well as your heart, and you'll be fine.
Roo x

Meenu

u can pay in bank across counter with cash even tho it wil take a few days to reach the fone company you can fax them the counterfoil as evidence nd they shud put the fone back on

zzzLazyDaisy

I read a story (think it was on MSE, but can't be certain) about a someone who paid her friend's car insurance on her card. Fast forward 12 months, and the insurer also took the renewal premium off her card without any further contact from her.

Personally I wouldn't use my card to help someone in circumstances where further payments might become payable, for this reason.

Even if you use a debit card on an old account - if the phone company take a further payment and put you into unauthorised overdraft, that will still take some unravelling. Unless of course you immediately close the account down after making the payment.

Miss_Chilli

Have you thought about getting her to get one of those cards that you can top up and don't need a credit reference for? She could put the £30 on there then pay the phone bill as I'm sure you can use them to pay like a normal credit/debit card as long as there are funds on it.

Not sure how effective they are, but if she can get one at least it solves your issue.

Paulgonnabedebtfree

B.E.N wrote: »

Hi, thanks for all your replies & I will send her on here.

Phone bill's only £30 and she's actually giving me the cash, so that's not really the issue (just that she can't use her card to pay it as her bank would swallow the money instantly), just worried that further down the line, if she stops paying the bill (as she's done with other things) they're gunna start taking money from me as my card has been used on the account!

Perhaps an irrational fear, thought I'd heard it happen before, but if no-one can shed any light on it, maybe I'm just imagining things.

Thanks all

Not an irrational fear at all.
Debits taken by card number are usually ones that can be recurring debits and can be very difficult to stop (think they are called CCA - continuous credit authority???). Indeed, if this did occur, her phone company would not even talk to you as you are not the phone account holder. I think a better solution would be for you to send a cheque on her behalf if that can be done.

qrachma

B.E.N wrote: »

:rotfl:That made me chucke for a bit. Nope, she's not, and I have no interest in getting in her knickers, but thanks for caring :beer:

As for where I live...Rayleigh. It's quite a nice place, err..unfortunately, still Essex, but a Conservative stronghold (Mark Francois), which I believe counters the unfortunate location

I had the same situation years ago. The sum was £20, a lot of money then. Told the lady concerned I didn't mind lending the money but asked if she was really sure she wanted to go down that route. She did, and I lent. She repaid no problem. A few days later she repaid again . Surprised the hell out of me. I declined gracefully :A

Any

zzzLazyDaisy wrote: »

I read a story (think it was on MSE, but can't be certain) about a someone who paid her friend's car insurance on her card. Fast forward 12 months, and the insurer also took the renewal premium off her card without any further contact from her.

I find this extremely strange.
Either someone has mistaken one off payment with recurring payment or something highly illegal was happening here...

Any

Paulgonnabedebtfree wrote: »

I think a better solution would be for you to send a cheque on her behalf if that can be done.

I think this is very good advice.
Or if it is too late and you need to pay by card, make sure YOU call them and make sure that in no way they will mention/or maybe even ask about recurring payment or could they keep the card details on the file.

Crisp_£_note

Why doesn't your friend apply for one of these pre payment cards? Its like a credit / debit card but needs to have money put into it first before you can spend on it so not borrowing and has no impact like credit cards actually do?

It takes up to a couple of days to have any payments actually loaded on the card but with careful planning it would make life easier and friendships wouldnt suffer.

nekosuki

Could she go to the phone co's local shop and pay over the counter? Only helpful I guess if there is a local outlet and if they do take payments