Returning an item to a store - debit card question.

neilmcl

peachyprice wrote: »

So it's OK to give someone your card and PIN then?

Doesn't mean it's fraud though.

neilmcl

gik wrote: »

Retain and detain are not the same, end of.

Although not usually used much in relation to goods, the definition also includes "to retain or withhold". End of...:D

societys_child

neilmcl wrote: »

Doesn't mean it's fraud though.

No it doesn't, but how would the store know whether fraud was taking place or not?

Certainly against the card providers T&Cs.

Another problem is, it appears the op didn't personally buy the item, so no contract / no right to a refund?

frugal_mike

peachyprice wrote: »

So it's OK to give someone your card and PIN then?

It would probably breach the bank's terms and conditions, but it wouldn't be against the law so can't be fraud.

System

agrinnall wrote: »

CHRISSYG wrote: »

Well you must have a weird card then because if you pay by C&P that's the way a refund would be made (whether the P is required or not). I can't remember the last time anyone looked at the signature on my card, in fact, without checking, I'm not even sure I've bothered to sign them all.

where i work the card goes into the machine generates a slip for the customer to sign ,the assistant has to check the signature then press either 1 signature matches or 2 it doesn't .
I have on occasion needed to press "2" as either its someone else s card or theres no signature.
If you don't sign your card you are breaching the cards T &C ,if you then have nothing else with a signature on it the refund will be declined.

agrinnall

CHRISSYG wrote: »

agrinnall wrote: »

where i work the card goes into the machine generates a slip for the customer to sign ,the assistant has to check the signature then press either 1 signature matches or 2 it doesn't .
I have on occasion needed to press "2" as either its someone else s card or theres no signature.
If you don't sign your card you are breaching the cards T &C ,if you then have nothing else with a signature on it the refund will be declined.

Well that's extremely unusual these days, the vast majority of card transactions are authorised by Chip & PIN. Is there a reason why where you work doesn't use it?

specialboy

peachyprice wrote: »

So it's OK to give someone your card and PIN then?

The wife and I use each others cards quite often.

shaun_from_Africa

specialboy wrote: »

The wife and I use each others cards quite often.

People in my family also use each other's cards on a fairly regular basis.
Yes, this is a breech of the issuer's terms and conditions but unless the cards are being used without permission of the authorised card holder or they are being used in order to commit a fraudulent transaction then it is not illegal.

It would leave the card holder liable for any losses that might occur from the act of giving out their card details, but provided that the truth is told should this happen, again, nothing illegal.

System

agrinnall wrote: »

CHRISSYG wrote: »

Well that's extremely unusual these days, the vast majority of card transactions are authorised by Chip & PIN. Is there a reason why where you work doesn't use it?

i dont think its unusual there are a lot of shops that do it this way.

agrinnall

CHRISSYG wrote: »

agrinnall wrote: »

i dont think its unusual there are a lot of shops that do it this way.

I think you're wrong, I can't remember the last time I didn't use C&P when paying by card in a shop, but I'm happy to see the evidence that you can put forward to the contrary.