Tried to return with wife's card

Toxicity

Partner tried returning an item back to Argos for me once. I got a call 10 minutes later from him telling me the staff have confiscated my card, wouldn't hand it back to him and if I don't go in to deal with it they will cut the card up and dispose of it.

They of course let him BUY the item with my card just fine. Ah well.

arcon5

I don't see how this is fraud in any way or form! Breaking the rules yes, the retailer is also in the right yes, but certainly not fraud.

To commit fraud would be to try to make a gain for yourself or cause a loss to another. Not cause another person to gain as has been permitted by that person and with no benefit to yourself.

GwylimT

A card can only be used by the person it is issued for, unless you have special permissions in which case a nominated person is issued a second card. As my wife is physically disabled I am issued with all of her cards so I can use them on her behalf, this also protects us from fraud. Where as if I just used her card and therefore pin number her bank would be more than welcome to deny a refund to any fraudulent transactions as she has made her card insecure.

arcon5

Op did have special permissions, of the card holder. This is of course against the rules - but that doesn't make ops actions fraud. At most it's breach of contract between the wife and the issuer. Op has no relationship with the bank here so is not subjected to any of their rules or policies since they are not statutory.

There is a distinct difference between committing Fraud and having policies and procedures in place to prevent fraud.

My post is aimed@earthstorm who seems to think op has committed an offence.

Andy_L

This happened to me at Debenhams, they put the refund amount onto a gift voucher card to get around the problem

Alter_ego

I return wifes purchases to M&S regularly (she has no bus pass) Never a problem, the assistants are aware as I tell them I'm returning on her behalf. It's usually obvious anyway as I wear different styles.

earthstorm

arcon5 wrote: »

Op did have special permissions, of the card holder. This is of course against the rules - but that doesn't make ops actions fraud. At most it's breach of contract between the wife and the issuer. Op has no relationship with the bank here so is not subjected to any of their rules or policies since they are not statutory.

There is a distinct difference between committing Fraud and having policies and procedures in place to prevent fraud.

My post is aimed@earthstorm who seems to think op has committed an offence.

As a retailer with CC agreements in place then yes it is fraud as someone unauthorised by the bank is using another persons card. As far as retailer is concerned they have no way to know if the card is the OPs partners and could be a cloned card with a fraudsters card number so any refund goes to fraudster. The card issue would see this as a fraudulent act.

tom15387202

The OP hasn't committed a law breaking offence.

They may have, however broken the terms and conditions of the card account.

If and when something fraudulent does happen and if the bank finds out then you are screwed.

If a shop has sold or refunded money onto an account/card that is knowingly not yours then they are leaving themselves open to fraud, which they may not be able to claim back.

peachyprice

tinyexe wrote: »

You don't need to enter a pin to get a refund

You do in some shops.

tom15387202

peachyprice wrote: »

You do in some shops.

The chip and pin machines have a configuration that allows you to set this. This is usually set by the merchant though to reduce internal fraud.