paid childminder from prepaid card

Terry_Towelling

eco_warrior wrote: »

Maybe just given the sort code and account number to transfer the funds?

Prepaid cards are fast becoming current accounts these days i think.

OP did state it was a regular payment, so that could encompass STO, RT and DDr - unless they come back to tell us, we'll never know.

I don't use prepaid cards but what is the mechanism for getting the funds onto the plastic? - is it via an ATM, or is it not actually stored on the card but in some third party account somewhere and using the plastic accesses that third party store of funds?

Socajam

Enterprise_1701C wrote: »

Has your childminder got a facebook page? You could ask the question on there, in full view of her other clients.

I was thinking the same thing.
Could you get a friend to pose the question, leaving out names etc

sammy94

What does the council say?
>>>First I tried to contact mastercard customer service. Didn't talk much but they said talk to council. Then tried to talk to council but concerned person doesn't work on Monday. She will call me back sometime.


Childminders are registered with local authorities - so if they are in the wrong according to the council they perhaps could be 'lent' on to refund you (partially anyway).
>>> I don't think so. My spouse set up payment. Coucil has approved this payment as every spend needs to be approved by council. They can always say it's your mistake. They didn't really see duplicate payments in one month to two different carers. But we now spending it more than we get through direct payment because of weekend care. So ultimately it will be going from out pocket some day. Let's wait for call from council.

Has your childminder got a facebook page? You could ask the question on there, in full view of her other clients.
>>>No. I won't go this way. I will first contact childmindinguk.com with the dispute and also advise them to conduct DBS check on partner as it is mandatory. I don't think childminder did it or at least didn't show us his DBS. Then probably leave honest non defamatory review on gumtree or wherever reviews are accepted.

Slightly curious about how how are paying a childminder using a prepaid mastercard and why the council are making these payments to a prepaid mastercard as opposed to a bank account?
>>>Direct payments is scheme all over England. By paying to prepaid card - council can monitor the spending to make sure that it is only used for disabled person's need. Not for holidays. Google 'direct payments card'. It was just



What retailer name/location appears against the transactions when they are processed?
>>> It was just transfer to childminder's curren account. My spouse didn't transfer to her company bank account or she may not have one.

Do you have the 'notice of termination' given by the childminder? Just wondering whether there are any chargeback rights to take advantage of. If the recurring transaction (regular payment) was tied to the contract 'under notice' and there is no documentary evidence of any new contract, I would think the retailer would be expected to cease taking the money when they ceased providing the service (regardless of whether you cancelled the regular card payment).

>>> There is clear notice of termination. But childminder keeps changing her story. When I contacted her on whatsapp on Friday, first she said I never gave notice. When I showed her notice then she said your spouse called me and begged. When I told her about price increase with four days notice, first she said it was told orally earlier and later sher said that was meant to be applicable 4 weeks later. Then why she is holding full money instead of half? Then she involved her partner and got ugly from there.
Let's hear from council person who handles payments. Will take it from there. Else small claims court.

Sammy94, if anyone has been threatened this is a matter for the police.
>>>They started talking lot of personal stuff but I stuck to only contract and amount. Threat was not clear. He said - now don't text her and take it as threat, i am very hot tempered person etc. I am not worried about it right now. But will inform childmindinguk.com to get DBS check done on partner in interest of other children.

Sounds unlikely this was actually a card payment, so small claims court will be the next step (starting with a letter before action).
>>>>It was paid from mastercard prepaid card. shows 'Bank Payment' on transaction list.

Terry_Towelling

Sorry, but I don't understand how stored value on a MasterCard product can be deducted without it being via a card transaction. Perhaps someone can educate me on this one.

sammy94

It is a card transaction. But from card it is to bank. Transaction history show ‘bank payment’

Terry_Towelling

sammy94 wrote: »

It is a card transaction. But from card it is to bank. Transaction history show ‘bank payment’

Sorry, still not getting it - and I'm sorry that this isn't strictly relevant to the thread content - but do you 'log in' to the stored value card account and then have a menu command that allows you to make a payment to another bank account?

If so, then, as Eco-warrior suggests, this sort of card could be used like a current account. I am guessing that the card has a sort code and 8-digit account number for bank-style payments/deposits and a 16-digit card number for use in MasterCard-accepting retailers.

If the payments are not card transactions initiated by the child-minder and made with the 16-digit number (and processed through MasterCard) then that definitely rules out any Chargeback remedy.

It now seems to be a contractual issue where a payment has been made voluntarily (albeit not intentionally) and I don't think there is any easy way to get your money back beyond negotiation/legal action or attempting to get the council and/or any child-minding regulatory body to put pressure on the child-minder.

Man_From_Bath

my wife is a childminder and this all seems very odd.
Usually notice period is one month from either side, secondly Childminders very rarely give notice unless there is a real issue.
Thirdly she needs to be careful involving her "partner" and im sure Ofsted would look very dimly and withdraw her license if he has made threats.
Fourthly i have never heard a childminder doubling their hourly rate, ensure you tell her that you'll contact HMRC to inform them of the rates she's charging.

This all sounds very odd.