Can I ask bank to block cash back at till option?

cheesetoast

glentoran99 wrote: »

Yes you cant block it as the bank doesn't see it as a cashback option, only as a purchase from said retailer,

The bank does see it as a cashback transaction.

If you use the Lloyds mobile app, and tap on a transaction that had cashback, it'll break it down for you, for example:

1 January 2016
WAITROSE PORTSMOUTH
Debit: £62.18
Purchase: £12.18
Cashback: £50.00
Merchant type: Supermarkets
Card Ending: 1234

jumeriah64

cheesetoast wrote: »

The bank does see it as a cashback transaction.

If you use the Lloyds mobile app, and tap on a transaction that had cashback, it'll break it down for you, for example:

1 January 2016
WAITROSE PORTSMOUTH
Debit: £62.18
Purchase: £12.18
Cashback: £50.00
Merchant type: Supermarkets
Card Ending: 1234

This is really interesting Cheesetoast, many thanks for pointing this out and apologies for the delay in coming back to you.

This is exactly what we would want to see and indeed it is a Lloyds account so double good news.

Do you know if this can be seen on the web version of the Lloyds on-line service? I have looked and cannot see it jumping out at me.

So this is visible on a smartphone or tablet?

Really interesting from a management point of view. Many thanks for helping with that.

rach_k

As you seem mostly concerned about cashback in supermarkets, might it be an option to stop the supermarket shopping by the 'friend' altogether and set up an online shop instead? The friend will then have no reason for access to the card. You can set up a shop quite easily - it takes me around 15 minutes to do a weekly shop for a family of four and we like a lot of variety - and you could probably 'sell' this to the friend as something you're doing to help them both. All they will then have to do is unpack it.

jumeriah64

rach_k wrote: »

As you seem mostly concerned about cashback in supermarkets, might it be an option to stop the supermarket shopping by the 'friend' altogether and set up an online shop instead? The friend will then have no reason for access to the card. You can set up a shop quite easily - it takes me around 15 minutes to do a weekly shop for a family of four and we like a lot of variety - and you could probably 'sell' this to the friend as something you're doing to help them both. All they will then have to do is unpack it.

Totally agree but as mentioned earlier in thread it's a way more complex relationship interplay and it's more about turning the process down to zero than sledge hammering it. Btw I'd personally prefer the sledge hammer but not a choice.

In reality the supposed shop rarely gets to our relative. Certainly not currently as he has been in hospital some months and has not required it. And still the shop continues on a highly questionable basis of topping up cupboards and cleaning and some garden work. There is no doubt that it simply does not add up but the tools to fix the problem are limited to process control...at this point anyway.

In reality you are absolutely right and on-line could help the solution for sure. It's very small village stuff....physically and mentally....so some of the answers fit well and others that look like they fit are much harder to implement. Fortunately the sums involved are now very small. Ironically so small that on-line shopping may or may not work....approx £33 a week ish.

Is a very solid suggestion mind and the more I think about what you are saying, there may well be a place for that option and one we will definitely look at. Many thanks for taking the time

Mr.Generous

jumeriah64 wrote: »

It's not a good reason honestly speaking.

We have a situation where an aledged friend of a disabled relative has been using a debit card to withdraw significant amounts of cash. A lot of cash.

We have through process managed to put the brakes on significant ATM withdrawals and insisted on debit card only and receipts. This has been successful and the amount leeched has dropped dramatically.


Sounds very strange and indeed it is but the relationship is one that needs managing rather than what I would do if were down to me and ring a higher authority with three digits higher than 8 and lower than 10!

That's the reason. Again I'm looking to use process rather than confrontation to solve the problem...at this point at least.

Many thanks

Good luck with that, I can tell you from my experience that when a family member who is hospital having had a stroke gets ripped of of life savings by another family member the police absolutely were not interested, even the act of forgery was just brushed aside. Go down the prevention route as much as you can, we moved Dad's money to a safeguarding account we set up when we managed to shame family member to repay £30,000 taken !! I cannot over emphasis how little the police were prepared to do.

Mr.Generous

Sorry forgot to say, also things to look out for. Helpful person doing the shopping joined supermarket savings club and stuck £10 into account each time they went until we noticed, then was purchasing wine, steak and salmon for themselves while purchasing value loaf and no frills beans for the victim. A sneaky dishonest b***** will think of 100 ways to rip someone off. I completely get the situation too, my Dad would only say I want my money back but I don't want anyone in court, he was taken for everything, luckily a second cheque was bounced by the bank. I think my Dad felt that if someone was looking after him and helping out they deserved a few ££, he was easily convinced that things were very expensive - like when he gave them £200 to get some shopping in then at the end of the week no food, they simply said 'That money is long gone' and he just accepted that excuse. It's heartbreaking.

jumeriah64

Mr.Generous wrote: »

Good luck with that, I can tell you from my experience that when a family member who is hospital having had a stroke gets ripped of of life savings by another family member the police absolutely were not interested, even the act of forgery was just brushed aside. Go down the prevention route as much as you can, we moved Dad's money to a safeguarding account we set up when we managed to shame family member to repay £30,000 taken !! I cannot over emphasis how little the police were prepared to do.

Agreed. And have to say the numbers involved here are equally if not more shocking over a longer time. But that time has gone. We have got it down from 2-3k per month to maybe £160 a month. STILL wrong but as I say, the history is odd. We only have prevention and reduction as options right now. And that is going very well in the main. Message I am getting from a few folk now is that when folks are restricted, they can become very exposed and do strange things. We are getting the toothpaste back in the tube but its a slow and very painful process. And what we have learned is that some folks are very brazen to the situation even when repeatedly confronted. Is quite an education. Thanks for sharing your experience, is certainly helpful

jumeriah64

Mr.Generous wrote: »

Sorry forgot to say, also things to look out for. Helpful person doing the shopping joined supermarket savings club and stuck £10 into account each time they went until we noticed, then was purchasing wine, steak and salmon for themselves while purchasing value loaf and no frills beans for the victim. A sneaky dishonest b***** will think of 100 ways to rip someone off. I completely get the situation too, my Dad would only say I want my money back but I don't want anyone in court, he was taken for everything, luckily a second cheque was bounced by the bank. I think my Dad felt that if someone was looking after him and helping out they deserved a few ££, he was easily convinced that things were very expensive - like when he gave them £200 to get some shopping in then at the end of the week no food, they simply said 'That money is long gone' and he just accepted that excuse. It's heartbreaking.

This is almost verbatim the situation....spot on....exactly the same mentality. Also I think the example you quote is also a very distinct possibility here as well and one I will definitely look at. The person in question is of very simple tastes and needs and asks for nothing in life. However the 'friend' in question has milked this royally. As I say we are fixing this and it has come down from sometime three cash-point visits a day!!!! to just a couple of supermarket abuses at low spend a week.

It's very difficult to explain to someone who has not seen it why this is the way to manage it. A big stick approach of course seems the way to go but as you have certainly seen, it's not as simple as that. Anyway the good news is we are getting there and with recent input from MSE folk, we will be aiming at closing this down totally very soon. Is a big big lesson.