Card used without permission - Asking bank to get money back from council.

boliston

I would have thought a phone transaction would be fairly easy to get charged back as the only security details provided would be the 3 digit number on the back of the card. The council would then be sent a chargeback form to complete but the chances are they would simply reverse the transaction on their system and refer it back to their client/debtor, who would be asked to provide alternative payment details.

SnowTiger

Sambella wrote: »

In your first post you gave the person permission for £30. It was only when they came off the phone you found out it was for 'about £45' so you did not initially give permission for £45. That's ok?

Maybe the about £45 was actually £48?

What's the chargeback code for 'I let someone else use my card and they spent more than they said they would'?

Perhaps they phone call went like this:

Family member: 'Hello. I'd like to pay the £30 I owe you.'

Council: 'Erm, the total is £45 now.'

Family member: 'Oh! Can I pay it by card now?'

Council: 'Certainly. But there's a £3 card processing fee, making the total payment £48.'

Family members: 'Oh! Erm, that's okay. It's not like it's my money... LOL.'

bris

boliston wrote: »

I would have thought a phone transaction would be fairly easy to get charged back as the only security details provided would be the 3 digit number on the back of the card. The council would then be sent a chargeback form to complete but the chances are they would simply reverse the transaction on their system and refer it back to their client/debtor, who would be asked to provide alternative payment details.

No it doesn't work like that. Chip and pin protects a bricks and mortar shop from charge back because you need to imput the 4 digit pin that only you are supposed to know.


With telephone sales you need the card at hand for the CVV number on the back, again when this is given it protects the vendor from chargeback because only the cardholder should know that number.


This doesn't stop fraud from happening but because the correct procedure was followed the bank takes the hit.


But in this case (which is a troll by the way) it's not fraud as the details were willingly given. It's now a civil matter between the op and the user to determine the value that was allowed, but there is no question as to the fact the OP allowed the use of the card.

Diary

ChrisA95 wrote: »

Hello, I apologise if this is the wrong forum section, but the problem is:

A family member of mine had asked me with she could use my bank card to pay her council rent which she said was about £20-£30, I said yes on the condition she pay me back. She gave me about £30 cash, but it wasn't until she got off the phone paying rent where she told me it was about £45 (Included 2 weeks missed rent). I was annoyed as she didn't have any money so I couldn't do anything.

The next morning I checked my bank statement and have found she had used my card to pay an additional £3 pound to the council without even asking or even telling me about it. Having my own financially difficulties, I am extremely annoyed by this.

Now, the question is can I ask my bank to try and get the money back? I am asking because I know there are some things they can't get money back.

If you are genuinely budgeting to the last penny, and some of us have to do that, you will have the loan in writing in 'contract, I owe you form'. Take this to your local county court to get the 3 pounds.

You will not get it from your bank as the person you loaned the money to will have it in writing you agreed to them using your card for the 45 pounds. I owe you notes work both ways and the I owe you note you must have got if money is genuinely that tight will mean your bank won't pay as you breached your terms and conditions. However you could try at court as it's in writing obviously that you are owed 3 pounds.
.

George_Michael

bris wrote: »

With telephone sales you need the card at hand for the CVV number on the back, again when this is given it protects the vendor from chargeback because only the cardholder should know that number.

As the number is written on the card itself, anyone that has seen it or accepted the card details over the telephone could also know the CVV.
This could include shop workers, family members and people who glanced over your shoulder whilst you were making a purchase or overheard a telephone order being placed.

This is why both my debit card and the credit card I use for daily use have had the CVV numbers removed from them.
I can remember them but there is no way for anyone that sees the card to find out these numbers.

boliston

bris wrote: »

No it doesn't work like that. Chip and pin protects a bricks and mortar shop from charge back because you need to imput the 4 digit pin that only you are supposed to know.


With telephone sales you need the card at hand for the CVV number on the back, again when this is given it protects the vendor from chargeback because only the cardholder should know that number.


This doesn't stop fraud from happening but because the correct procedure was followed the bank takes the hit.


But in this case (which is a troll by the way) it's not fraud as the details were willingly given. It's now a civil matter between the op and the user to determine the value that was allowed, but there is no question as to the fact the OP allowed the use of the card.

I can see that when buying a product online a vendor would dispatch to the registered cardholder address and there would be an element of security in that, however where the sale involves no physical product (for example an online software purchase) there is far more risk to a vendor in accepting a card transaction verbally over the phone. The reason the council would allow this is that a chargeback would not incur them any loss as no product has been sent and they would simply allocate the chargeback against the balance on their tenant's rent account. I would say the transaction IS fraudulent as it was not authorised by the cardholder.

Manxman_in_exile

I wouldn't give my card to anyone to make a payment over the phone or any other way. If they were a friend or relative I wanted to help out I'd make the phone call myself to pay on their behalf. (With them present to confirm I was paying for them and that they authorised disclosure to me of the amount being charged to my card)

System

George_Michael wrote: »

As the number is written on the card itself, anyone that has seen it or accepted the card details over the telephone could also know the CVV.
This could include shop workers, family members and people who glanced over your shoulder whilst you were making a purchase or overheard a telephone order being placed.

Not sure about the rest but as a shop worker myself the only time i handle anyones card is when processing a refund to check the signature, the suggestion that in a nano second any shop worker can remember not only the 16 digit number but the security code is ludicrious.