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Additional Cardholder/fraud
Ortum
Posts: 3 Newbie
in Credit cards
My boyfriend's ex was an additional card holder (not joint) to his Barclaycard. Presumably as an act of vengeance (he was unfaithful and owes her money) she has run up a debt on such. We know she isn't liable as she was additional, but is there anything we can do?
She talked to Barclaycard after a transaction was queried and got an online message to call them at a checkout, during this call she was asked for her contact number, which she gave, is this changing the details for the account? Could it be identity theft? We think she tried to get into the online account, but failed and did not access it.
She has offered to pay off the minimum amount each month, but is aware she is not liable to do so.
What implications does this have for my partner's (and my) credit rating (we live together) that there is this huge debt outstanding, if the minimum payment is made?
She talked to Barclaycard after a transaction was queried and got an online message to call them at a checkout, during this call she was asked for her contact number, which she gave, is this changing the details for the account? Could it be identity theft? We think she tried to get into the online account, but failed and did not access it.
She has offered to pay off the minimum amount each month, but is aware she is not liable to do so.
What implications does this have for my partner's (and my) credit rating (we live together) that there is this huge debt outstanding, if the minimum payment is made?
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Comments
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It wasn't fraud as he supplied her with the card and authorised her to spend as much as she wanted on it.
Do I understand correctly that he owed her, and now she owes him?
Who owes more?
If she was the second cardholder, Barclaycard must not give her any access to the account. If they did, complain and demand compensation, but this has nothing to do with the spending on the CC and the debt.
I don't think that he can do anything. If he keeps making at least minimum payments the credit rating will not suffer much, although it's recommended to pay at least a fraction more than the minimum.
Your credit rating can be affected only if you have joint financial products that link your credit files together.0 -
your bf is fully liable for his exs transactions, as per barclaycards terms and conditions, as he allowed her to become a additional card holder and the ex basically had your bfs permission to use the card (Adding her as a additional card holder) the ex is not liable for any of the debt.
it also begs the question why your bf did not remove the ex as additional card holder when they split.0 -
She says he owes her more, but there were no official loans, she just paid for the majority of everything whilst they were together and supported him during his studying.
She definitely talked to Barclaycard once and freely admits giving her telephone number, but says she was just asked for it, in her own name, and did so.
She seems to feel bad now, and has offered to pay the minimum instalments, but we have said we want the whole sum by the bill's due date.
What if she tried to access online?0 -
Sounds very fair to me.She says he owes her more, but there were no official loans, she just paid for the majority of everything whilst they were together and supported him during his studying.
In her shoes I wouldn't pay anything. Consider yourself lucky that she offered to pay min payments. Certainly you can't force her to pay more.She seems to feel bad now, and has offered to pay the minimum instalments, but we have said we want the whole sum by the bill's due date.
How - without the login details?What if she tried to access online?
And what if she tried? How could she benefit financially from this (except requesting a balance transfer from her own card that she obviously had not done)?0 -
Thank you. Will the police do anything?
Is there any criminal activity in updating the telephone number and/or trying to access account?0 -
leeroy2009 wrote: »your bf is fully liable for his exs transactions, as per barclaycards terms and conditions, as he allowed her to become a additional card holder and the ex basically had your bfs permission to use the card (Adding her as a additional card holder) the ex is not liable for any of the debt.
it also begs the question why your bf did not remove the ex as additional card holder when they split.Thank you. Will the police do anything?
Is there any criminal activity in updating the telephone number and/or trying to access account?
Why are you so determined to pursue her? Your BF could have prevented this by removing the ex when they split.
He knows that she supported him while he was studying - wasn't he grateful that he was able to live off her income? Can't he accept what she's spent as payback for her help when he needed it?0 -
The police won't get involved, because nothing illegal, fraudulent, or unauthorised has taken place.
Barclaycard asking for her contact number in her name is undoubtedly just updating their records for her as an additional cardholder, it's perfectly normal that they will hold separate contact details for her.
Even if you could prove that she had tried to access the account's online facility this is effectively nothing to do with you as the system she was trying to compromise was the bank's, any potential malicious access to their system is for them to investigate, and for them to report to the police if they feel the need (they won't).0 -
It would be a criminal activity only if she made money from it or intended to.ThWill the police do anything?
Is there any criminal activity in updating the telephone number and/or trying to access account?
To me it looks like a negligence on Barclaycard's side and a misunderstanding on her side on what a second cardholder can and cannot do.0 -
Cheater got cheated!! I would tell your boyfriend to chalk it up to "1 all" and learn 2 important lessons.
1: NEVER put anyone as an additional cardholder.
2: Hell has no fury like a woman scorned.0 -
it is also possible to of given the ex more privileges on the account then just a additional card holder, is it possible your bf let her have these privileges when he added her as an additional account holder?
from Barclaycard:
A few things you should know- As the primary cardholder, you're still responsible for payment of the account
- For security reasons we can only discuss details of the account with the primary cardholder. If you'd like to give your additional cardholder further rights, please give us a call on 0844 811 9111*
The additional cardholder must be a close family member and live at your address - and they'll be subject to your Barclaycard Terms & Conditions
0 - As the primary cardholder, you're still responsible for payment of the account
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