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  • FIRST POST
    B.E.N
    Using someone else's card to pay of a debt
    • #1
    • 8th Jul 09, 10:16 PM
    Using someone else's card to pay of a debt 8th Jul 09 at 10:16 PM
    Hi there,

    I've got a friend who's in, lets just say, a little debt.

    Anyway, because her bank is heavily overdrawn, she's asked if she can use my card to pay her mobile phone bill with.

    This might sound like a stupid question, but there's something in my head jolting a memory of a story of a debt co trying to take money from a card that was used in making a payment, even though the card wasn't owned by the debtor..

    Anyone have any knowledge surrounding this?
Page 1
    • tealady
    • By tealady 9th Jul 09, 5:45 AM
    • 2,868 Posts
    • 3,536 Thanks
    tealady
    • #2
    • 9th Jul 09, 5:45 AM
    • #2
    • 9th Jul 09, 5:45 AM
    No idea but if you want to pay their debt get it in writing when they are to pay you back by. TBH I wouldn't use my card to pay someones debt, better to get them on here to see if they can clear it themselves.
    After all if you pay their phone bill this month how are they going to pay the next one?
    Proud to be an MSE nerd
    Judge people by their achievements, not by their mistakes
    • slig
    • By slig 9th Jul 09, 7:15 AM
    • 397 Posts
    • 608 Thanks
    slig
    • #3
    • 9th Jul 09, 7:15 AM
    • #3
    • 9th Jul 09, 7:15 AM
    Sounds like a bad idea to me. I don't think you should get involved financially. As tealady says, send her on here and people will help her find a solution.
    Deposit fund 10,565.08 Target 15000

    Debt at LBM (17/10/08) 5727.61 Debt free date 31/08/09
  • Raini
    • #4
    • 9th Jul 09, 8:39 AM
    • #4
    • 9th Jul 09, 8:39 AM
    Hi BEN, everyone's circumstances are different but I really wouldn't do this. Mixing money and friendship doesn't usually work and what happens with the next bill?

    If you must help maybe offer the cash if you're worried about the using the card. But I do as the others have suggested & show her this site.

    Let us know what you do & good luck x
    Mortgage: Jun 08 155300~Repayment Made: 4300~Remaining: Mar 10 151000
    DFW Nerd 1190
  • B.E.N
    • #5
    • 9th Jul 09, 9:21 PM
    • #5
    • 9th Jul 09, 9:21 PM
    Hi, thanks for all your replies & I will send her on here.

    Phone bill's only 30 and she's actually giving me the cash, so that's not really the issue (just that she can't use her card to pay it as her bank would swallow the money instantly), just worried that further down the line, if she stops paying the bill (as she's done with other things) they're gunna start taking money from me as my card has been used on the account!

    Perhaps an irrational fear, thought I'd heard it happen before, but if no-one can shed any light on it, maybe I'm just imagining things.

    Thanks all
    • Tixy
    • By Tixy 9th Jul 09, 9:39 PM
    • 31,062 Posts
    • 39,469 Thanks
    Tixy
    • #6
    • 9th Jul 09, 9:39 PM
    • #6
    • 9th Jul 09, 9:39 PM
    Anything is possible, although this sort of horror story usually involves DCAs rather than original creditors. Could you pay it via internet banking (and put her account number as the reference) as then they don't have your card details and cannot debit it again.
    Last edited by Tixy; 09-07-2009 at 9:46 PM.
    A smile enriches those who receive without making poorer those who give

    or "It costs nowt to be nice"
    • s0127786
    • By s0127786 9th Jul 09, 9:44 PM
    • 35 Posts
    • 7 Thanks
    s0127786
    • #7
    • 9th Jul 09, 9:44 PM
    • #7
    • 9th Jul 09, 9:44 PM
    I might be missing something but 2 things to put your mind at rest:

    The phone company wont pass those card details onto a DCA and they wont debit a card used for a one off payment.

    Secondly, even if they did, report it to your bank as an unauthorised payment.

    I don't think you have to worry too much about this.
    • Deep In Debt
    • By Deep In Debt 9th Jul 09, 9:47 PM
    • 8,232 Posts
    • 12,982 Thanks
    Deep In Debt
    • #8
    • 9th Jul 09, 9:47 PM
    • #8
    • 9th Jul 09, 9:47 PM
    I really wouldn't do it. Once they have your card number they can and often will just help themselves. It has been known.
    Debt 30k in 2008. Cleared all my debt in 2013 and loving being debt free
    Mortgage free since 2014
  • petrie_pedrito
    • #9
    • 9th Jul 09, 10:32 PM
    • #9
    • 9th Jul 09, 10:32 PM
    My grandmother says a lot of things that I don't like to hear, but the phrase 'neither a borrower nor a lender be' rings through my heart whenever this kind of situation comes up.

    Lovely sentiment therein, personally I may give the cash to a close friend, but getting your card details on their accounts (with any organisation) is something I would always shy away from if possible.

    My gran would probably say a true friend would not call on you financially, but then I did say I don't hold with all her ideas I understand why you want to help but I would have the same reservations as other posters - yes if you get charged you can cancel the payment, argue with your bank, follow it up, etc. but in the end is that possibility something you are prepared to face?

    Financing your friends is an easy way to fall out. Proceed with caution but keep things in perspective.
    • the_cat
    • By the_cat 9th Jul 09, 10:35 PM
    • 2,075 Posts
    • 11,317 Thanks
    the_cat
    I don't get it TBH.
    If your friend has the cash, why can't she use it to pay the phone bill herself?
  • B.E.N
    I don't get it TBH.
    If your friend has the cash, why can't she use it to pay the phone bill herself?
    Originally posted by the_cat
    'Cos she's got to make payment by card (maybe by bank transfer), and her account is heavily overdrawn. If she puts money into her bank account, the bank will swallow it. She can't just open another account as CCJs everywhere. Suggested co-op cashminder she's got debt owing with them, so even that's not a refuge!

    Thus, she asked if I could pay it if she gave me the cash..

    I might actually have a solution, I've got an old account that I haven't used for a while (they still send me bank statements, so I presume they haven't closed it). I might use that to pay the bill with, thus if there is any comeback later on, there'll be nothing in that account to take..
    • the_cat
    • By the_cat 9th Jul 09, 11:04 PM
    • 2,075 Posts
    • 11,317 Thanks
    the_cat
    I think it should be possible for her to pay in cash. If she phones them and explains that she needs a paying in slip (if she hasnt been sent one with the bill) to pay the cash in direct they should be able to help her. then you don't have to get involved
    Last edited by the_cat; 09-07-2009 at 11:07 PM.
    • Fire Fox
    • By Fire Fox 9th Jul 09, 11:05 PM
    • 23,973 Posts
    • 27,132 Thanks
    Fire Fox
    Why can't she pay by cash? All she needs to do is ring them and explain she doesn't have a card and ask for the bank name and account reference to pay into.
    What a difference a day makes, twenty four little hours.
  • B.E.N
    Get them to send out a Girobank paying in type-thing? Will they do that?
    Last edited by B.E.N; 09-07-2009 at 11:14 PM.
  • petrie_pedrito
    I might actually have a solution, I've got an old account that I haven't used for a while (they still send me bank statements, so I presume they haven't closed it). I might use that to pay the bill with, thus if there is any comeback later on, there'll be nothing in that account to take..
    Originally posted by B.E.N
    Ha ha! Take it you didn't have an overdraft on this old account...

    Very noble but could come back on you
    • the_cat
    • By the_cat 9th Jul 09, 11:10 PM
    • 2,075 Posts
    • 11,317 Thanks
    the_cat
    Yep that's the one's. Or like firefox says just ask for the details over the phone and fill one out direct in the bank.

    Absolutely no way you need to get involved in this. Ok it's a bit more hassle for her, versus no comeback for you. Simples!!
  • B.E.N
    Ha ha! Take it you didn't have an overdraft on this old account...

    Very noble but could come back on you
    Originally posted by petrie_pedrito
    Nope, old old account (from my pre-working days), no overdraft..just hope they don't create me an 'unauthorised' one if another transaction comes through after..

    But i'll try the paying in slip thing first, never really crossed my mind that they would still be using Girocheque paying in slips anymore....

    Cheers all
    Last edited by B.E.N; 09-07-2009 at 11:28 PM. Reason: to be polite
    • RAS
    • By RAS 9th Jul 09, 11:36 PM
    • 27,996 Posts
    • 48,414 Thanks
    RAS
    Hi

    your friend can open a basic bank account at most banks. The co-op cash minder is on of the few that accepts undischarged bankrupts but there are about 20 out there that accept people without a credit check - so the CCJ(s) would be irrelevant
    The person who has not made a mistake, has made nothing
    • horsepills
    • By horsepills 9th Jul 09, 11:49 PM
    • 258 Posts
    • 122 Thanks
    horsepills
    Ben - is this female friend of yours very attractive? I sense you probably fancy her and think this may be a way to eventually end up sleeping with her. Trust me, it won't work - she'll just see you as the kind friend who'd do anything for her, and she'll string you along for ever. Sure, she'll say how great you are, etc... and you'll feel like you're getting somewhere - but face it Ben. You will never EVER get into her pants.

    Don't give her the money. The heartless using devil woman.
    • Fire Fox
    • By Fire Fox 10th Jul 09, 12:33 PM
    • 23,973 Posts
    • 27,132 Thanks
    Fire Fox

    But i'll try the paying in slip thing first, never really crossed my mind that they would still be using Girocheque paying in slips anymore....

    Cheers all
    Originally posted by B.E.N
    You live in a wealthy area don't you? Here in Bradford it's largely a cash economy, very different from Cambridge's maxed out platinum cards.
    What a difference a day makes, twenty four little hours.
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