Barclaycard - declined and retained...?

NickX

dhassen wrote: »

As others have said, it's not your property, it's the property of the card issuer. They can take it off you and do with it what they will!

OK, the card is the property of the card issuer and not the card holder.

However, if a merchant attempted to keep my card without explanation as appears to have occured here, I would not be leaving the shop very quickly. In fact a breach of the peace would be highly likely to escalate :mad:

NickX

relay wrote: »

Well what would you rather they did if it were your card & it was stolen - give it back to a potential thief and say 'Have a nice day'? Trust me, Banks don't request retailers to retain cards for the fun of it.

There appears to be no evidence here that the card is stolen.

I take your point about returning a card to a potential thief, but surely there needs to be evidence of fraud or theft.

I still maintain that this is outrageous, and if I was in the OPs position, I would get to the bottom of precisely why this action was taken and if it is a mistake compensation would be expected.

itsnever2lateisit?

NickX wrote: »

OK, the card is the property of the card issuer and not the card holder.

However, if a merchant attempted to keep my card without explanation as appears to have occured here, I would not be leaving the shop very quickly. In fact a breach of the peace would be highly likely to escalate :mad:

Instead of getting hot under the collar why not ask the retailer to cut the card in two in front of you, and explain it's for security reasons

NickX

itsnever2lateisit? wrote: »

Instead of getting hot under the collar why not ask the retailer to cut the card in two in front of you, and explain it's for security reasons

Certainly Not !!

I would not agree to the retailer destroying my card when I have innocently attempted to make a purchase, in the same way that I would not allow them to keep it.

At the very least I would demand that the retailer calls the Credit Card company again I speak with them to request an explanation for these actions.

relay

NickX wrote: »

There appears to be no evidence here that the card is stolen.

I take your point about returning a card to a potential thief, but surely there needs to be evidence of fraud or theft.

I still maintain that this is outrageous, and if I was in the OPs position, I would get to the bottom of precisely why this action was taken and if it is a mistake compensation would be expected.

For goodness sake Nick - ever heard of the word 'Hypothetical' before? It was just an example, Nobody said there was a suggestion the card was stolen - don't take me so literally. :rolleyes:

I take your point about returning a card to a potential thief, but surely there needs to be evidence of fraud or theft.

Exactly - that's why the bank stops the transaction in the first place, because something wasn't right. Why else do you think they do it? They obviously had a reason.

relay

NickX wrote: »

Certainly Not !!

I would not agree to the retailer destroying my card when I have innocently attempted to make a purchase, in the same way that I would not allow them to keep it.

What makes you think the choice is yours to make? If the bank instructs a retailer to withold your card you don't have the option of not 'Allowing' them to do so. You wont be able to use it anyway if it's been 'flagged up' by the bank to be declined so it would be a bit pointless arguing with the retailer.

Davef_2

itsnever2lateisit? wrote: »

Instead of getting hot under the collar why not ask the retailer to cut the card in two in front of you, and explain it's for security reasons

It's embarrassing enough having your card declined at the checkout. Having the checkout person cutting your card up in front of everybody behind you
would be the last thing I would want to happen.

We had a simular situation. Been away on holiday in Switzerland and France and used the card without any problems. Got back home went straight shopping in Sainsburys and the card was declined and kept by the retailer. Reason given by Barclaycard was strange spending pattern :mad:

We had even called them to tell them we were going abroad, where and for how long so this made the matter in worse in my opinion.

relay

NickX wrote: »

OK, the card is the property of the card issuer and not the card holder.

However, if a merchant attempted to keep my card without explanation as appears to have occured here, I would not be leaving the shop very quickly. In fact a breach of the peace would be highly likely to escalate :mad:

Without explanation? What do you think the bank phoned the retailer for? To request a copy of thier new long sleeved spring collection !!!!!!? LOL:rotfl:

Tribulation

relay wrote: »

What makes you think the choice is yours to make? If the bank instructs a retailer to withold your card you don't have the option of not 'Allowing' them to do so. You wont be able to use it anyway if it's been 'flagged up' by the bank to be declined so it would be a bit pointless arguing with the retailer.

But isn't this open to fraud? your in a petrol station, you enter your pin, the cashier says your cards been declined and they've been instructed to keep it. You don't have the option to refuse? Not something I'd be happy with.

chuckley

sounds like ur card is on fraud watch. either way if they say it needs to be retained, u cant do anything about it but leave the card and ask speak to ur bank.