Can I use family members card for them?

suejb2

Can you set up a joint account and arrange a direct debit from their account into the joint account?

onlyroz

Why not set up Power of Attorney? Then you'd be able to quite legally carry out financial transactions on their behalf, deal with their bank, set up payments etc etc.

Savvy_Sue

So what happens the day you go to use the card and you're asked to sign instead of Chip and Pin? You forge a signature? Or you say "oh I can't do that it's not my card?" Neither are a good solution ...

gettingtheresometime

chesky wrote: »

Loads of people do it without problems. But its not strictly kosher and if something goes wrong, you could be in a tricky position.

& I guess it puts the OP in a vunerable position; says the relative claims that there's been misuse of the card ?

mgdavid

You don't need the PIN if you can manage to keep each transaction within the Contactless limit.

Savvy_Sue

mgdavid wrote: »

You don't need the PIN if you can manage to keep each transaction within the Contactless limit.

Obviously the OP knows the PIN on this card. But I have from time to time been asked to sign - not enter the PIN, SIGN for a transaction. It appears to be a random security check which comes up on the till. Definitely under the limit.

Pollycat

There is actually a legitimate way to deal with this, at least with the Natwest bank.
My Mum is elderly, my sister does all her shopping and used to use Mum's debit card.
I arranged for NW to issue a card on Mum's account but with my sister's name on it.

I can't remember exactly now but it was a bit of a faff.
I think my sister had to attend the bank branch and NW wrote to my Mum to get her approval and it took a while.
But it is all above board now.

Slinky

Pollycat wrote: »

There is actually a legitimate way to deal with this, at least with the Natwest bank.
My Mum is elderly, my sister does all her shopping and used to use Mum's debit card.
I arranged for NW to issue a card on Mum's account but with my sister's name on it.

I can't remember exactly now but it was a bit of a faff.
I think my sister had to attend the bank branch and NW wrote to my Mum to get her approval and it took a while.
But it is all above board now.

This is the modern day version of what my Dad and I did with our chequebooks. That was Natwest also.

Ames

mgdavid wrote: »

You don't need the PIN if you can manage to keep each transaction within the Contactless limit.

If you only ever use contactless you'll eventually be asked to put a PIN in. It's happened to me a few times. Banks (understandably) don't say how many transactions it takes to trigger needing the PIN.

I wouldn't let someone use my card for me. I had to ask my ex a few times when I was too ill to leave the flat, he stole thousands and did a runner. When I went to the police they said that when I gave him my card and asked him to buy food I was giving him permission to take as much as he wanted, so he hadn't broken the law.

Obviously the OP is genuine, but I wouldn't risk it with anyone. What happens if she loses the card while out? She has to go back to her relative's to get them to call the bank, meanwhile the card could have been used to empty the account. What happens if someone shoulder surfs her, I doubt the bank would refund anything that was stolen.

There are so many other options nowadays, from internet banking to a second card on a credit card account. Using a method where the bank is fully aware of who is using the card has to be best.

unholyangel

The card holder disclosing PIN to OP on its own isn't necessarily grossly negligent. The relative would only come unstuck if her disclosing her PIN to OP led to the theft and only if it was for money already in her account. If it was a credit card or the theft caused her to go into an overdraft, there are different rules for credit and your liability is limited to the first £50 - even if you have been grossly negligent.