Barclaycard - declined and retained...?

NickX

What

Talk about dragging up ancient history, this rather amusing thread was a blast from the past.

Perhaps the OP can update us on their situation

TFD_2

bingy_burge wrote: »

I would of phoned barclaycrad on the spot using the number on the back of the card and confrimed the situation if not I would tell the shop I need my card back and if the refused contact the police.

A) It's not YOUR card. It's the issuer who wanted it back.

The shop has done nothing wrong - it's not yours, and it's something they're asked to do by the bank who owns the card!

As stated above, I'd want to see you charged with wasting police time. Why should they return the card to you, when the bank has asked them not to!?!

Degenerate

TFD wrote: »

Agreed with the post above, that this is too late...

But disagree with you totally - that would be called wasting police time! They could be helping somebody in trouble, but instead dealing with your timewasting call, as you misunderstand your rights.

The card DOES NOT belong to the cardholder - it belongs to the issuer, who is more than entitled to ask a retailer to retain the card. This is part of your card agreement, and also part of their merchant services agreement.

If you're not happy, then call the card issuer as soon as possible to confirm the reason for the card to be withheld.

All the comments about "I'd kick off" etc make me angry, as it's idiots like you that a shop just does not need.

Totally missed the point. I am well aware that the card belongs to the issuer. My card issuer can contact me if they want it back. Otherwise, my agreement with the issuer explicitly demands that I safeguard my card and PIN with due diligence, not let it get into the hands of any stranger that spins me a line.

If you'd bothered to properly read my previous post, you'd have seen me point out that a retailer who attempts to confiscate my card is indistinguishable from a confidence trickster who is attempting to obtain my card and PIN. A duly diligent person would therefore have no option but to involve the police. This would not count as wasting police time, because I would have had no way of knowing I wasn't being conned and would therefore have acted in good faith.

Before you start calling people idiots it would behove you to have answered the valid points made above, lest you look like an idiot yourself.

LeeSouthEast

I realise this is an ancient thread... but as I'm here...

As the police refusing to attend often causes frustrations for all concerned, why not just phone your card issuer on the spot and either a) confirm the request to retain, or b) advise them to cancel the card there and then if you're worried about fraudsters?

Degenerate

LeeSouthEast wrote: »

As the police refusing to attend often causes frustrations for all concerned, why not just phone your card issuer on the spot and either a) confirm the request to retain, or b) advise them to cancel the card there and then if you're worried about fraudsters?

From the original post:

I returned home that night and called barclays, only to be passed on to EIGHT different people, cut off, told to call another number, put through to an answer phone, kept on hold for 20 minutes, and then told to ring yet another number.. I finally got through to someone this morning (had to wait because of the bank holiday..) who said it was nothing to worry about, and just a "security check" they are performing on "all of their customers" yeah right. So they're retaining EVERYONES cards?!

This sounds typical from my personal experience of Barclaycard's godawful Indian call centres.

Not everyone has time to waste standing in shops running up their mobile phone bills. The fundamental point is that you shouldn't have to. Retailers should not be confiscating cards, because no-one should be expected to give up custody of their card to a stranger. Even the card issuers themselves do not usually ask their customers to send cards back, rather they ask you to destroy it, so how can anyone with any sense think it's ok to let some shop assistant they just met have it? If you're trying to take something from me, the burden of proof that you are entitled to do so lies with you, and there's really no expedient way to prove it in that scenario.

ElkyElky

What I don't understand is.. obviously Barclaycard cancelled the card and instructed the retailer to keep the card.

Does it really matter whether the retailer, you or osama bin laden keeps the card? If it's cancelled, it's nothing more than a useless piece of plastic.

Degenerate

ElkyElky wrote: »

Does it really matter whether the retailer, you or osama bin laden keeps the card? If it's cancelled, it's nothing more than a useless piece of plastic.

When you only have the word of the stranger who is trying to take your card from you, it matters quite a lot.

bingy_burge

TFD wrote: »

A) It's not YOUR card. It's the issuer who wanted it back.

The shop has done nothing wrong - it's not yours, and it's something they're asked to do by the bank who owns the card!

As stated above, I'd want to see you charged with wasting police time. Why should they return the card to you, when the bank has asked them not to!?!

Yes I understand that but unless barclaycard can tell me on the phone that they are retaining my card I am not letting a shop keep it, as it could be a scam. I would also then ask the was cut up on the spot.

I need clarification from the bank that owns the card that they have instructed the shop to keep it if that was confirmed to me then I would accept the shop keeping it. If nolt it could be a scam!

TFD_2

You're all paranoid. It's not up for the shop to pass the phone over to you to talk to them! If you want proof, then ring the card issuer yourself.

If it was me working in the shop, I'd like to see you successfully getting me to hand the card back to you...

Eyesparky

This is clearly open to fraud. If this happened to me I would insist on seeing the card shredded in front of me. It is not paranoia, identity theft and card fraud are major issues. Leaving a shop where I entered my pin into a terminal and left them the physical, intact card with my 3 digit security number and signature on the back on the say so of the person behind the till ... not likely. I wouldn't be leaving the store (or sight of my card) until I had verified the situation with the card company and seen the total destruction of the card.