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visa account updater

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  • dalesrider
    dalesrider Posts: 3,447 Forumite
    Perhaps now a few people have replied, perhaps the OP can clarify.

    [Just noticed that the OP was 2011, so a bit unlikely!]

    :rotfl:

    Seems some people search too hard, instead of starting a new thread.....

    Note to self... Check date of 1st post.... :rotfl:
    Never ASSUME anything its makes a
    >>> A55 of U & ME <<<
  • grumbler
    grumbler Posts: 58,629 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    dalesrider wrote: »
    And part of the agreement retailer sign is the right to request new card details via VAU.
    And how does this prove that I agreed to this (that was what you said)?
    What I agreed to was Nationwide T&C that said nothing about my card details being given to third parties without my consent.
  • grumbler wrote: »
    And how does this prove that I agreed to this (that was what you said)?

    But surely it doesn't need to, because:
    grumbler wrote: »
    What I agreed to was Nationwide T&C that said nothing about my card details being given to third parties without my consent.

    is answered by my post where I quoted the NW T+C:
    "If we change your credit card number and/or expiry date we will notify the card scheme provider. "

    isn't that consent?
  • grumbler
    grumbler Posts: 58,629 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 28 December 2012 at 10:34PM
    Yes, it's pretty obvious that the card scheme provider (i.e. Visa) has to know my card details to process transactions. No way does this mean that I agreed to Visa spreading my card details all over the world to other companies.

    It's not that I am saying that this is right or wrong. My point is that I have never agreed to this despite dalesrider claiming that I had.
  • OK, roger that.
  • dalesrider
    dalesrider Posts: 3,447 Forumite
    grumbler wrote: »
    Yes, it's pretty obvious that the card scheme provider (i.e. Visa) has to know my card details to process transactions. No way does this mean that I agreed to Visa spreading my card details all over the world to other companies.

    It's not that I am saying that this is right or wrong. My point is that I have never agreed to this despite dalesrider claiming that I had.

    But they are only passing it to companies you have a relationship with.
    It not like they will give your card details to any company.
    Never ASSUME anything its makes a
    >>> A55 of U & ME <<<
  • To anybody reading this thread.
    If you are unhappy with the way VISA operates just send the cards back to the bank saying why you are doing so.
    To everyone else just carry on with life which is made a whole job easier with VISA and Mastercard.

    Think back to how you would pay for things before credit and debit cards????
    In today's world it is unthinkable but if you want to send cheques and postal orders to retailers who will still accept them good for you.
  • grumbler
    grumbler Posts: 58,629 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 30 December 2012 at 1:09PM
    dalesrider wrote: »
    But they are only passing it to companies you have a relationship with.
    It not like they will give your card details to any company.
    Firstly, I don't understand your 'but'. Is this not a new topic for discussion, unrelated to my alleged agreement to pass the details to third parties?

    Secondly, they cannot check the current state of the relationship. They are passing the details to the companies that I had relationship with in the past (does Visa really check this?) and that claim that I still have a relationship with them.
  • stclair
    stclair Posts: 6,854 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Is the VAU responsible for refunds on a new card when the purchase was made on an old card?
    Im an ex employee RBS Group
    However Any Opinion Given On MSE Is Strictly My Own
  • grumbler wrote: »
    Secondly, they cannot check the current state of the relationship. They are passing the details to the companies that I had relationship in the past (does Visa really check this?) and that claim that I still have a relationship with them.

    Your card details (eg new expiry date or even the very fact you still hold the card) are passed:
    1) from CC to network
    2) network to merchant

    As it is personal data, you must consent to both transfers. In the case of 1), that is in the card agreement. In the case of 2), it must be in the agreement with the merchant. Ie when you sign up for the service, you consent for them obtaining your updated details. It should be in their T+Cs. If it isn't, then I don't think they have the right to obtain the data, even if you agreed to a CPA. Assuming you didn't consent to 2), then I don't think the CC or the network is on the hook because they would, no doubt, have some sort of assurance from the merchant that permission has been obtained from you before the request is made. But they would be under some duty to monitor compliance.
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