Can a supermarket confiscate girlfriends debit card?

BugsyBrowne

jason1231972 wrote: »

Not knowing your partner's PIN, Facebook password, etc. and not rooting through their phone/laptop/belongings is trust! Trust that they have their privacy (and quite rightly so), but won't abuse said privacy by doing the dirty behind your back!

Thank you much appreciated;)

Macca83_2

Somewhere on this forum is a thread which i can't find just now. Typical. But the thread went on to tell of a situation where a young guy lent his bank card out to his sister in order to draw him out some cash. She tried without success to draw out his funds and returned the card. The next day he discovered money missing from his account and who was to blame? The sister of course. But the lad had been a victim of a card skimming device that was attached to the machine she used. Needless to say, the bank refused to reimburse the funds as his pin had
been compromised.
You are setting yourself up for a whole heap of trouble when you disclose your pin, regardless of how much you trust someone, you can't always account for external factors.

Fiddlestick

BugsyBrowne wrote: »

Well TBH I don't know many fraudsters who's first port of call is the beano, it's probably a jobsworth cashier trying to earn brownie points.

I don't know about these days, but APACS used to give a £50 reward to any cashier stopping and retaining a card that was used fraudulently.

gizmo111

BugsyBrowne wrote: »

And I would also bet the people who don't know their partners pin also have passcodes on their mobiles which the partner don't know and also have Facebook accounts where the partners don't know.

How on earth do you get to that conclusion?

Now if this is the case IMO they are in a relationship where each other don't trust one an other however way you want to look at it.

My parents were married for 50 years and never needed a joint account as a sign of trust.

I don't want a big debate on this I was just giving my opinion as its an open forum.

OK - the SM was correct and the OP needs to rearrange household finances.

bigadaj

BugsyBrowne wrote: »

Thank you much appreciated;)

Good old reliable bugsy, bizarre ideas but moderately entertaining.

BugsyBrowne

bigadaj wrote: »

Good old reliable bugsy, bizarre ideas but moderately entertaining.

Cheers bigadaj knew I wouldn't win the argument on this thread but I plod along like an old triumph if that makes Sense.

davehills

As far as know, the merchant agreement with the bank requires the merchant to confiscate a card under certain circumstances to prevent fraud or misuse.

The bank will be able to clarify but will probably ask why you were using the card..

At the end of the day the store were protecting your gf from what could have been a fraud attempt.

If your gf's card was stolen and the store allowed a bloke to use the card which obviously wasn't his, what would your reaction be?

Mrs_Ryan

I dont have a passcode on my phone and anyway OH wouldnt know how to use it;I do have a Facebook account and no OH doesnt know the password and neither does he know my laptop password because he doesnt need to. I run his bank account for him and take care of the DD's etc as he cannot due to his disability so I have no need for his PIN. Ditto he has no need for mine - if he needs me to pay for something he will ask me and I will make the transaction off my own back. I know all his financial details as I have to speak on his behalf after he clears security but I dont know his PIN.

Pennywise2012

I have to side with the supermarket cashier on this one - all she has to go on is that a man comes to the till with a woman's card, therefore it's very clearly not his. They're not allowed to knowingly accept cards that are being used by someone other than the cardholder. They're not allowed to listen to the tale of why this man is clutching a woman's card and then make a judgement call on whether or not he should be allowed to use it.

I can see why OP is frustrated, but, in the nicest possible way, it was unfair of you to put her in that position in the first place, and I think the supermarket was more than reasonable in letting the real cardholder collect the card. They could have gone mega-jobsworth and reported it, but they didn't.

I don't think it was in the pursuit of £50 though, it's my (possibly wrong) understanding that they only pay that out if the card machine flags up that the retailer has to keep the card, presumably as compensation for the horror of having to tell someone that they're not getting their card back.

I'm not getting involved in the whole PIN/trust/marriage/joint account/food cupboard debate - each to their own

[Deleted User]

reclusive46 wrote: »

In all fairness, they should have called Visa Authorisations and put a code 10 (I believe) on the card.

bankhater_1965 wrote: »

would visa not go for an execution in these circumstances ???

Easy there. I know the OP was a bit of a muppet, but no one deserves to be executed in Morrisons.

Shopping in Asda, on the other hand, should definitely be a capital offence.