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Must cardholder be present to receive a refund?
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Refunds are almost always with signature, it's annoying but that's how it is. It's normally only if you tell them that they won't put it through though as they won't actually be checking the signature.0
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Yes! If YOU return it. YOU!... but they are contractually bound to abide by their published return policy, which simply says they'll give me a refund if I return it within 28 days
You got someone else to do it, and they do not have to deal with that person. They only have to deal with you.
I can see perfectly why they refused to process the transaction on to the card. Now, 28 days is a generously long amount of time to return something because you don't like it, so you only have yourself to blame there about running out of time.0 -
Refunds are almost always with signature, it's annoying but that's how it is. It's normally only if you tell them that they won't put it through though as they won't actually be checking the signature.
I think this is why I was so irritated by it - there wasn't any reason for my boyfriend to volunteer that it wasn't his card in the first place and I'm pretty sure they wouldn't have checked the signature if he hadn't, so it seems such an arbitrary system. They certainly weren't concerned about whose card it was when I was spending money there!
Thanks for the responses from those who weren't bizarrely outraged by this query...0 -
They certainly weren't concerned about whose card it was when I was spending money there!
Ain't that the truth! I must admit that my partner and I sometimes use each other's cards for convenience. It's not criminal fraud - just a breach of the card issuer's terms and conditions - so I'm not going to lose any sleep over it.
I'm not really understanding all the outrage either. It seemed like a reasonable question to me."There may be a legal obligation to obey, but there will be no moral obligation to obey. When it comes to history, it will be the people who broke the law for freedom that will be remembered and honoured." --Rt. Hon. Tony Benn0 -
That's because they take it on trust that it is YOUR card and you're not committing card fraud.They certainly weren't concerned about whose card it was when I was spending money there!
On the subject of giving someone permission to use your credit card, the only ones that can authorise the use of the card is the issuing bank, not you, so technically anyone other than the cardholder using it could be seen as fraudulent use.0 -
so technically anyone other than the cardholder using it could be seen as fraudulent use.
Oh really? How exactly...?"There may be a legal obligation to obey, but there will be no moral obligation to obey. When it comes to history, it will be the people who broke the law for freedom that will be remembered and honoured." --Rt. Hon. Tony Benn0 -
Could it be by obtaining money from the credit card company without permission?bitemebankers wrote: »Oh really? How exactly...?0 -
Could it be by obtaining money from the credit card company without permission?
How does that make it fraud?"There may be a legal obligation to obey, but there will be no moral obligation to obey. When it comes to history, it will be the people who broke the law for freedom that will be remembered and honoured." --Rt. Hon. Tony Benn0 -
The rules are the money 'should' be returned to the card that was used for the origional transaction, there are a few exceptions for instance cards which expire, get lost or closed etc.
The issue comes when it's The retailers equipment which cannot process another card, this is not unusual now as many retailers use tracking which ensures that refunds are only put back to the paying card. Also many retailers cannot manually enter the details for a refund, this has been done to reduce fraud & employee fraud.
One very important issue I did notice in the OP is that the pin was given to someone else, this must never be done as should the bank find out and fraud does get committed you can guess what will happen.These are my thoughts and no one else's, so like any public forum advice - check it out before entering into contracts or spending your hard earned cash!
I don't know everything, however I do try to point people in the right direction but at the end of the day you can only ever help yourself!0 -
I don't know. I'm not a lawyer. I merely made a suggestion. Read my sig.bitemebankers wrote: »How does that make it fraud?
Actually, thinking about it again, sounds more like theft.
What do you think? Surely getting money from the card company without their permission is illegal, whatever the crime?0
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