Tried to return with wife's card

tom15387202

Alter_ego wrote: »

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.

If your wife is in there often enough that you are always returning the items then perhaps she could return the items when shes in there buying the items she regularly has you return?

:A

bris

earthstorm wrote: »

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.

It's not fraud, breaking the law and commititing fraud and going against the banks T&C's are two totally different things.

earthstorm

bris wrote: »

It's not fraud, breaking the law and commititing fraud and going against the banks T&C's are two totally different things.

if you are using someone elses CC or DC then it is fraud as set out by Visa and Mastercard and has nothing to do with a banks T&C

Retailers sign agreements with their merchant bank along with CC providers Visa/Mastercard/Amec etc.

They have to adhere to these agreements, this is why stores have the right to withhold a card if the presenter is not the card holder.


look at it this way.

I go into a store with a CC in your name to return some goods and say i am your brother, so they refund money onto the card, this goes into my bank account, but the details their system has is your name.

a few days later the store notices an issue and the first thing they do is report you as the card was in your name. in the meantime i have cleared out the bank account the funds went into.

so what is this then if not fraud. the store does not know if the OP is the husband of their customer or the card is the same card used for the transaction. to protect them and the card holder they are within their legal rights to refuse to refund unless the cardholder is their with the card.

wealdroam

earthstorm wrote: »

if you are using someone elses CC or DC then it is fraud as set out by Visa and Mastercard and has nothing to do with a banks T&C

What a joke.

So are you now saying that Visa and Mastercard (not forgetting American Express and possibly others) make the laws?

If you are using someone else's card with their permission, then you have done nothing wrong.

If you are using someone else's card with their permission, then that someone else has broken their agreement with the card issuer... that's all.

earthstorm

wealdroam wrote: »

What a joke.

So are you now saying that Visa and Mastercard (not forgetting American Express and possibly others) make the laws?

If you are using someone else's card with their permission, then you have done nothing wrong.

If you are using someone else's card with their permission, then that someone else has broken their agreement with the card issuer... that's all.

yes Visa and Mastercard are the ones that set out the agreements that retailers and consumers must legally abide by.

Visa/MC etc. can inform a merchant bank or even you that they no longer what to allow you to accept their cards. they have more powers than your actual bank when it comes to CC merchant agreements

If you are using someone else's card with their permission, then you have done nothing wrong.

hows the retailer know who you are and you have any permission, they have a legal right to protect themselves from fraud, you are not the card holder so they dont need to deal with you.

Alter_ego

tom15387202 wrote: »

If your wife is in there often enough that you are always returning the items then perhaps she could return the items when shes in there buying the items she regularly has you return?

:A

It doesn't work like that. Anyway I don't have problems doing it.

earthstorm

tom15387202 wrote: »

If your wife is in there often enough that you are always returning the items then perhaps she could return the items when shes in there buying the items she regularly has you return?

:A

I think if you were always returning items to a particular store then you would be flagged up on the stores system and could face being banned from the store.

Alter_ego

earthstorm wrote: »

I think if you were always returning items to a particular store then you would be flagged up on the stores system and could face being banned from the store.

Nobody said we're always returning things, I said regularly. Every six months is regular.
Anyway she doesn't return all she buys, only about 30%

earthstorm

Alter_ego wrote: »

Nobody said we're always returning things, I said regularly. Every six months is regular.
Anyway she doesn't return all she buys, only about 30%

my comment was directed at tom15387202 post

Originally Posted by tom15387202
If your wife is in there often enough that you are always returning the items then perhaps she could return the items when shes in there buying the items she regularly has you return?

wealdroam

earthstorm wrote: »

yes Visa and Mastercard are the ones that set out the agreements that retailers and consumers must legally abide by.

Visa/MC etc. can inform a merchant bank or even you that they no longer what to allow you to accept their cards. they have more powers than your actual bank when it comes to CC merchant agreements



hows the retailer know who you are and you have any permission, they have a legal right to protect themselves from fraud, you are not the card holder so they dont need to deal with you.

Yes, but there is no fraud.