HSBC credit card

jonesMUFCforever

I have to say though ............some friends you travel with!

pacontracting

grumbler wrote: »

Criminal?! You must be joking. The friend just signed some paper erroneously given by the hotel.
HSBC?! They have no grounds for this.
It's the hotel that can chase the friend, not HSBC, and it's a civil matter, not criminal.

If we want to play devils advocate and try to get out of paying on a technicality...

1/ The friend 'mistakenly' signed a bit of paper? Would you sign a piece of paper without looking at it / checking what it is?
2/ The owner of the card is saying he shouldn't be liable as the 'friend' signed without his permission and doesn't want to accept the transaction.
3/ The friend obviously signed the 'name and address' check-in form that had the posters credit card details on. Didn't he feel like asking how incidentals would be charged? Did he forget to give his credit card at the time? Did he see a credit card number and just pretend it wasn't there?

If the original poster had either knowingly (or not) provided his card number as an incidental guarantee and the rest of his party had taken advantage of that, of course the hotel are going to charge incidentals to the card with a view the party would sort out the finances themselves.

If the 'friend' was not authorised to charge incidentals but signed the form anyway, then there are reasonable grounds to suspect the friend was fraudulent by signing a form which had someone else's credit card details on with which he wasn't entitled to use. As such, either HSBC or the hotel could make a complaint to the police.

Of course, the original poster is backing this view by saying he won't stand by the friends 'mistake' and hadn't knowingly provided his card as the party guarantee. The 'friend' can then either accept of deny the original posters assumption that nobody else had permission to use his card and explain why he signed the form with his friends card details on it.

grumbler

It was the hotel that filled in the card number, not the friend. The friend had nothing to lose by not checking the number. It would possibly be fraud only if the friend himself filled in the form. Possibly - because it's not uncommon to make a small mistake and it's the hotel's duty to check everything, not the customer's.

Incidentally, I have a form in front of me from my last holiday. Filled in by the hotel, signed by me, returned to me on checking out. The only information in the form is the card number and the exp. date. There isn't even the room number in the form.
Personally I never check the card number in the form when signing it. What's the point? Most likely the friend just assumed that it was his card number in the form. It was the hotel's duty to check the form and the signature against the real card. That's what the signature on the card is for - and the friend didn't try to forge the OP's signature.

redpete

BobbySmith wrote: »

my friends will pay me the costs if necessary.

Will they pay the hotel the money once you've recovered the charges from the CC?

meer53

If the friend signed the receipt by mistake and thought they were their card details, then why don't they just pay the OP ?

BobbySmith

pacontracting wrote: »

If we want to play devils advocate and try to get out of paying on a technicality...

1/ The friend 'mistakenly' signed a bit of paper? Would you sign a piece of paper without looking at it / checking what it is?
2/ The owner of the card is saying he shouldn't be liable as the 'friend' signed without his permission and doesn't want to accept the transaction.
3/ The friend obviously signed the 'name and address' check-in form that had the posters credit card details on. Didn't he feel like asking how incidentals would be charged? Did he forget to give his credit card at the time? Did he see a credit card number and just pretend it wasn't there?

If the original poster had either knowingly (or not) provided his card number as an incidental guarantee and the rest of his party had taken advantage of that, of course the hotel are going to charge incidentals to the card with a view the party would sort out the finances themselves.

If the 'friend' was not authorised to charge incidentals but signed the form anyway, then there are reasonable grounds to suspect the friend was fraudulent by signing a form which had someone else's credit card details on with which he wasn't entitled to use. As such, either HSBC or the hotel could make a complaint to the police.

Of course, the original poster is backing this view by saying he won't stand by the friends 'mistake' and hadn't knowingly provided his card as the party guarantee. The 'friend' can then either accept of deny the original posters assumption that nobody else had permission to use his card and explain why he signed the form with his friends card details on it.

To be fair, the person who signed was the person who made the original booking and his name is on the invoice with my card details. His name has been crossed out and replace with my name in pen. At no point has he tried to deceive anybody.
This is not a question of fraudulent activity. I'm fully aware this is a civil dispute, but I feel my bank have not exercised my rights with what IS an unauthorised transaction on my card. Quite clearly the hotel have not checked my card signature, and more fool me for not asking to sign after they swiped my card for the preauthorised bills to MY room.

BobbySmith

meer53 wrote: »

If the friend signed the receipt by mistake and thought they were their card details, then why don't they just pay the OP ?

My friend who signed, has signed mistakenly. The hotel have provided me with a list of items they have charged, but they can not tell me which rooms they have been charged from. I just know for certain it wasn't mine. The amount changed doesn't particularly add up, my friends have offered to pay, but they themselves appear to be paying for items they haven't used. My personal opinion is not to ask friends for money they haven't potentially spent and to use the insurance I have on my card.

BobbySmith

redpete wrote: »

Will they pay the hotel the money once you've recovered the charges from the CC?

The hotel can't tell me from what rooms the items have been charged from. If they've made this error, I'm sure they can afford the minimal cost price of the extortionately priced items.

BobbySmith

pacontracting wrote: »

If we want to play devils advocate and try to get out of paying on a technicality...

1/ The friend 'mistakenly' signed a bit of paper? Would you sign a piece of paper without looking at it / checking what it is?
2/ The owner of the card is saying he shouldn't be liable as the 'friend' signed without his permission and doesn't want to accept the transaction.
3/ The friend obviously signed the 'name and address' check-in form that had the posters credit card details on. Didn't he feel like asking how incidentals would be charged? Did he forget to give his credit card at the time? Did he see a credit card number and just pretend it wasn't there?

1 - the invoice has his name and address on it, as he booked the hotel. The bank has, in fact, today contacted me and confirmed this.
2 - the money charged has nothing to do with me and I'm sure you'd consider the same route of grievance, for which is offered with credit card security.
3 - see 1. No deception intended.

planteria

i agree with grumbler, play it very hard and straight with HSBC.

and i would also ask the other members of your party for the money.