Using someone else's card to pay of a debt

Paulgonnabedebtfree

pippitypip wrote: »

Paul - I agree, it's two separate issues - sorry if I wasn't being clear, that's what I meant in my post.

Was also trying to highlight that my friend did this and got them to confirm it was a one off transaction and her card details were not recorded. She did it for me on a couple of occassions. Since then, due to probs with my bank, my direct debit has bounced a few times (been paid subsequently by me) - when the dd has bounced - they have not charged my friend's card.

All this experience has been with Vodafone. Might be different with other companies? They accept card payment or direct debit only, no cheque or cash methods.

pippitypip

Good old Vodafone eh? Along with Abbey, they seem to be the scourge of my life. I really hope that Abbey's directors are Vodafone customers and that Vodafone's directors bank with Abbey. Two of the most rubbishy companies for customer service in existence and they would totally deserve each other.

I may be wrong but I thought that cash (i.e. coin of the realm) had to be accepted by law. I think a limit was put on the actual amount of metal coinage per transaction some years ago though because some people were protesting against the poll tax and kept queueing up to pay in pennies.
Even if it is legally enforceable, it probably wouldn't be practical anyway.

girl-in-a-hat

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.

A similar thing happened to me recently. I paid my car insurance using my partners credit card (only to earn cash-back on his card) but when they didn't receive no claims confirmation, instead of cancelling the policy as they said they would, they took another payment from his card to top the premium up to what it would have been without any NCD. Was NOT impressed but the girl on the phone couldn't offer an explanation as to how they took money without the account holders authorisation. We got the money back once they had my NCD confimation but it's worrying that this can happen.

pippitypip_2

Paulgonnabedebtfree wrote: »

I really hope that Abbey's directors are Vodafone customers and that Vodafone's directors bank with Abbey. Two of the most rubbishy companies for customer service in existence and they would totally deserve each other.

:T

Having issues with Alliance & Leicester, now Santander same as Abbey - I have the same hopes and dreams!!


:rotfl:

pippitypip

jtr2803

I am sure the decision has already been made and I am probably very late jumping in here but thought it worth sharing my experience anyway....

Two summers ago my best friend couldn't get credit due to some issues with his ex wife over an unpaid council tax bill. As I wanted him to be happy I got him a phone on my contract, first few months were ok, he paid when I got the bill no hassle......... THEN he met a girl from Norway and started calling/texting, his bill got so high that T mobile actually cut off our phones until we paid, his bill alone was almost £900!!! He did pay that but the months after were always a struggle until one month he didn't pay, said he couldn't afford it......same thing the next month and the next month. At one point he owed me a few hundred pounds, it took me month s of arguing to eventually justget back the money he owed me. He eventually returned the phone but I still had to pay around 7 months of the contract.

At around the same time my step sister wanted a new phone, I wanted a new one so I took out a third contract (my original line, one for my 'friend' above and a new line for my new phone), she was had the phone until the old contract ran out, then the phone broke so we renenwed the contract so she got a new one. She then counldn't be bothered to go to work so sold the phone, then after about 11 months our parents split up and she again decided not to work and was running up bills when she knew she couldnt pay. I had to cancel the sim and pay for a new one just so she couldnt run up anymore on the bill! Guess who got left to pay the rest of her contract off!?!??

I know that its a very extreme example but that was my best friend and step sister!! Needless to say I will NEVER EVER let anyone else have credit in my name and I shall stop being so soft. Please don't even consider it, if someone can't get credit for their own contract there is normally a good reason for that!!!

jenjade

i would introduce your mate to this site sounds like she could do with the help and support of everyone on here!