Friend using my credit card.

This 100%

Set up a standing order to transfer the money to her on your payday. That should be your first priority. She shouldn’t be last in the pecking order. What a dreadful way to treat a friend who is indulging in what could well be your pipe dream.

You need another plan to bring home the bacon while your business is taking off. If you can work in your business at night say, look at the make a tenner a day thread for inspiration for what other things you can do. Online consumer surveys at night for one hour or whatever.

Good luck with it all and I hope it works out well. And that you still have a friend at the end of this journey as i see trouble ahead…

What she did was wrong but you need to pay her the whole £1300 as soon as possible. Sell some stuff, ask for cash from parents for christmas, try and pick up some extra seasonal work shifts etc, but don't stay owing a friend, its a really really bad idea

You don't need to tell everyone that.

All these people saying friend should be reported... friend can then call in the loan!

Personally I'd be annoyed, cancel the card but leave it at that. You owe the friend money and maybe she couldn't wait a day to pay this bill so just because you needed to wait a day for your ex to pay you, doesn't mean she has to wait a day too.

Chalk this up to experience. You should never borrow from friends, especially these kinds of sums, without a written agreement for paying back. You need to honor the agreement to the day ie pay on the day and that's that. No ifs or buts. Otherwise you risk losing the friendship. Can you get a loan from the bank or something, I'd recommend repayment in full ASAP

When paying the phone bill the friend would almost certainly have said she was the owner of the card and used the security code on the card instead of the one time password.

I think @BePunnyDuck wanted some sympathy and didn’t get any hence why hasn’t been back

does annoy me when people don’t reply /update

assuming op is on uc as single parent , obv struggling with money and started up self employed so will get fortnightly appointments from them while business gets established

the fact whatever business it is you couldn’t work for 2w is a very long time due to sick child

2w off work is a very long time - hope child is ok but what child is ill for 2w ?

if you are literally robbing Peter to pay Paul (cm for friend) then whatever business you have isn’t going to work out earning you lots

you won’t get paid when on holiday for example as self employed - so what is the plan then to pay bills ?

Trying looking at it another way. Your loan has left your friend so short that she can't pay her phone bill....

Oh god if it’s an MLM the op is a fool and will never make her money back.

MLM was my immediate thought...

She may be right on one level, but from a legal and moral perspective it’s completely wrong. Pay her back asap and make her an ex friend, I’d never dream of doing that to anyone I’m friends with.

THIS IS FRAUD!! She has committed a crime how bloody rude!! Why has she even still got your bank detail's abit weird am actually shocked I wouldn’t even use my mum’s card without asking her permission… think you need to find better friends 🙌🙌🙌🙌🙌

Using your card is fraud and should be reported and card cancelled but you should pay your friend back the money you owe her and never borrow again

Illegal. Cancel your card immediately.
She's been very foolish - you could report her for this.
I think you need to rethink your purely self employed status, if your daughter being sick for 2 weeks means you literally have no money. Can you try to work part-time, whilst growing your business, so that you can build a little cash cushion for emergencies?
Keep up the habit of overpaying your friend whenever you can - and keep records of payments.
Obviously never allow her access to card/bank details again.
I wouldn't want her as a friend, despite her past kindness in lending the money.
I'd keep things amicable, until debt is paid, then phase out. It won't be long. Only lend from banks in future - if they won't give you a loan, it's because you can't afford it /are a bad risk. This will make you rethink your plans.

Especially when it’s a different IP address.

I lent a friend €500, with no repayment date, she paid me 3/4 months later, I wouldn't lend money again, it played on my mind, she needed it in an emergency and I needed it to budget .
I'm glad it is over.

Absolutely wrong, not to mention illegal - just because you owe her money doesn’t give the right to use someone’s card without their knowledge or permission. Block and cancel the card and make a clear plan with paying your friend back so that you don’t have that hanging over you if at all possible. Also decide if you are going to report it to the police or at least let your so called friend know that their actions are indeed illegal, and this is something you have considered taking to the police.

2,000 over 20 months, was a really decent loan, but late repayments will be playing with her emotions.
I'd try getting another loan, clear the 1,300 ASAP.

Sounds like you have given your friend card details that you should not have. Cancel the card but don’t dispute as you have compromised your account and this may impact your ability to claim any fraudulent charges in the future. Take this as a lesson on Banking controls.

But also it’s your friend’s money and it seems that regardless of what you think you agreed she is either a) annoyed by your actions with regards to what you are spending money on or b) really needs the money now or c) is annoyed at the way you are running this business.

I’m sorry your daughter was unwell but unfortunately running your own business means having to work when you and your family members are sick. Even sadly when they are really sick… Shutting a business down for 2 weeks in early stages seems like a very long time and I expect your friend sees this too.

I know that’s a brutal statement but it’s the hard reality of business.

Taking time off although the right thing for your daughter - impacts on the business that your friend has ultimately funded in some or all part.

Pay her back and hopefully you can both reconcile

The bank can't and dont check the ip address, that's the kind of checks police do. Even if they can see an ip address they dont have the address for that to check who it is.

If you read the OP it was the card details her friend had - to pay for a holiday they booked together. I’m with you. I’ be completely rethinking a friendship with someone who would think themselves entitled to do this, regardless of whether OP was behind with her payments - which it seems, she actually wasn’t. There is absolutely no excuse for what her friend did

It sounds as though your business isn't making any money, so essentially it's a hobby. Get a full time job so you get regular money, and do your business in your spare time.

How did she mange the retain your card details Including the 3 digits and surely there was some kind of security check at the time of the transaction. I can't make a single payment without a text or a notification in the app asking me to authorise it.

Agree that SCC won't get the friend back her money quicker, but a judgement for failure to repay will have long term repercussions for Op as well.

I don't.