Friend using my credit card.

OP said bank details not card details so she can’t cancel her card.

OP the circumstances of you paying her back are COMPLETELY IRRELEVANT. What she did is absolutely disgusting and a massive overstep to put it mildly.

id try and make other arrangements to pay this person back and consider her presence in your future.

It was a passive aggressive response, why is she lending that amount to yo, if she can't afford to pay her phone bill.
You're both in the wrong.
You must pay her back.

Lots of posters advising OP to report it as fraud. Before doing this she will need to decide if she wants to drop her friend in the shit, thereby ending the friendship, because even if she doesn’t name her friend, the bank will discover the origin of the payment. And OP still won’t get the money back.

She gave her friend the details of the card and allowed her to use it without informing the bank first. And once her friend had made the transaction for which she had OP’s permission, OP then failed to secure the card details from further use. So she’s almost certainly broken the bank’s terms and conditions for the use of the card.

And her friend made the payment online, so if OP reports the transaction as fraudulent the bank will investigate and the IP address from which the payment was made will lead them straight to her friend and OP will still be implicated for having divulged the card details in the first instance.

“I have never let her down.”

Yes. You have. Every time you paid late.

Is your business genuinely a good idea given you are so tight for money?

Yes, regardless of whether you owe her money and under what terms, she has committed fraud here.

Loans often end friendships alas.

They probably booked the holiday together on the friends device.

Are you sure about the legal point that compensation can’t be claimed? People
share payment details all the time (e.g. with retailers); it is not against any rules as far as I’m aware.

Wouldn't that be fraud to, and probably worse as you are lying to your bank.

OP it sounds like you both have an insensible approach to money - booking a holiday with someone you have an active loan agreement with, for example. So it’s not very surprising you’ve both got yourselves in this messy situation.

I assume you can’t borrow money conventionally? If you can (without resorting to payday loans, etc) I’d repay her the full outstanding amount. Then you need to decide if you continue the friendship without ever borrowing or lending money again.

Yes thanks I have just read her second post. My bad for not reading all posts. I also missed it was a credit card and that OP has stuck to repayment arrangement.

I think however if OP needed to borrow from a friend to start up a business which has no leeway for if she is sick a holiday should not have been booked.

@SunnyD4ys its in the thread title written by OP

The fact that your first couple of paragraphs are you giving pathetic reasons why you are weaselling out of paying her back is disgraceful.

She should not have used your card but perhaps she was in desperate need of getting some of HER money back.

Your priority is relaying her the money she only lent you.

Never borrow money again.

I thought the response I responded to was that OP was being wronged by her friend who had abused her credit card. The person who is owed the money would be wasting her time and money going to SCC- if a person can't pay, SCC can't force them to.

You have to approve payments via an app now.

It's pretty shitty that you're on here making a thread about her when you're the one not paying her back her money that she kindly lent you in the first place. I'd be sick if I lent a friend over a grand and she started paying late etc. I presume your ex hasn't just started this pattern of paying late? So you knew that there was a chance that you would not be able to keep to your word re repayments to your friend?

If she had missed that phone bill payment then that's a missed payment marker on her credit file which a record of remains for 6 years and could impact any applications for mortgages etc in the future. Perhaps she knew the ramifications of that and so did the only thing she could to mitigate that blemish on her credit file.

OP borrowed the money to set up her own business. She says the holiday was booked months ago.

Tell the credit card company your card was used by someone else without your knowledge. Get the payment cancelled. OK you owe her, but she's gone beyond the line.

The point l was making was that OP wouldn’t be able to claim compensation because the bank would say she was negligent by divulging her card details. That the friend accessed her bank account without her permission is a different matter. It’s a criminal offence, regardless of how she came by the details.

If this was me, I'd try to get a loan from dad to pay friend back, then set up a DD for dad of a smaller amount each month, like £50, as £100 seems to be tough going for OP at the moment.

I'd also cancel my card with the bank and get a new one that friend doesn't have the details for. That's bang out of order, whether OP owed her or not.

Yes I was going to ask about this ‘business’

If her friend took her to "small claims court" she'd have a legal judgement against her business, which would potentially cause more issues in the future.

Both friend and OP end up with some sort of legal stuff on their records,, which wouldn't be ideal.

She shouldn't have used your card even if you owed her money, that is fraud. However, it sounds very much like you are both living hand to mouth and overspending. She couldn't pay her phone bill. You booked a holiday together a few months ago despite your financial position being self employed in debt and no back up savings for times when you are unable to work.

It's great that your Dad was able to bail you out this time but you should take this as a wake up call to have a better plan.

You really need to have a savings buffer, which I know is hard when you are on a low income but it's more essential than a holiday on a credit card. Others have suggested taking on some additional work which I think is sensible. Even if it's doing ironing for people in the evenings when your dd is in bed so that you can still run your business in the day.

Perhaps the friend paid her bill over the phone or online through the provider's website but would she not have also needed the three digit security code from the back of the card?

l mentioned the same thing upthread a bit. It seems the friend knew the payment was coming but still accessed OP’s account to pay a bill, so had OP’s card not been declined she wouldn’t have been aware of it and would have paid twice.

There’s fault on both sides here - OP clearly agreed to pay on a certain date each month and has admitted she’s been late a couple of times, but has also overpaid a couple of times, and by the figures in the OP, she’s currently ahead of schedule by £100. Unless her friend is relying on OP’s payments to pay her own commitments, she has nothing to complain about because OP is paid up to date. If she needs OP’s payments to make ends meet the she really couldn’t afford to lend the money at all.

I don't agree. It's relevant because she wouldn't even have been able to do it if she hadn't kept the details and by doing this she's proven that she had dodgy intentions for keeping those details and always planned to use them if she needed to.