Authorised user on card

dslyon

Hi there,

Question relating to this... if someone signs an authorised user form with a name different than their own... and spends a pile of money on the credit card... what can the main account holder do about this? Are they still liable for the spending? Can it be reported as fraud/unauthorised?

Consumerist

It's not clear how you know that the card has been used by an apparently "authorised" card user.

An application for a second user card has to be completed and signed by you as the main card-holder. If an application has been completed and signed by someone else pretending to be you then it is fraud.

Report the transactions as fraudulent.

Better_Off_1983

From my understanding, it would constitute fraud, but the cardholder would still be liable for minimum payments/keeping within the limit even if the fraudster used all the credit or a partial amount.

The lender would investigate accordingly and liaise with the retailers.

Ultimately, the primary cardholder is responsible.

Consumerist

Better_Off_1983 wrote: »

From my understanding, it would constitute fraud, but the cardholder would still be liable for minimum payments/keeping within the limit even if the fraudster used all the credit or a partial amount.

I think this will depend on whether the main card-holder was in any way complicit in the fraud. How, for example, did the fraudster get the account details?

The <Payment Services Regulations 2009, Regulation 61> requires the bank to make an immediate refund of the fraudulent transactions and restore your account unless they have compelling evidence that you have acted fraudulently or with gross negligence.

thenudeone

I think we need some more information about this "fraud"

lisyloo

Someone cannot get a card on your account without your permission, unless they have faked your permission.
In the former case (with permission) then primary account holder is liable even if the user spent more than agreed.
In the second case is fraud.

Did someone fake your signature or id, or is this a case of a spouse/friend spending more than was agreed?

Consumerist

thenudeone wrote: »

I think we need some more information about this "fraud"

Agreed.

Any second-user card would be sent to the main card-holder's address so has someone living at the same address intercepted the postal delivery or has the main card-holder recently moved leaving sensitive data at a former address?

SnowTiger

dslyon wrote: »

Question relating to this... if someone signs an authorised user form with a name different than their own... and spends a pile of money on the credit card... what can the main account holder do about this? Are they still liable for the spending? Can it be reported as fraud/unauthorised?

In Great Britain people can generally call themselves whatever they like, so using a name other than the one given to you at birth isn't a crime and you don't have to go through a legal process to change it, although getting your new name accepted may sometimes be difficult if you don't.

What's really happened here? Did you agree to someone being an additional card holder on your account and you're now stuck with the bill? And are grasping at straws to get out of paying it?

Presumably the person is known to you and you agreed to them being an additional card holder, so where's the fraud/unauthorised use?

Consumerist

SnowTiger wrote: »

In Great Britain people can generally call themselves whatever they like, so using a name other than the one given to you at birth isn't a crime . . .

. . . unless for a fraudulent purpose.