Friend using my credit card.

Depending on how your friend got the needed information, you may have trouble claiming it as fraud. If you ever shared the information for her to use, you likely violated the terms of your credit card contract and will now not be to claim it is fraud.

Op i think you should check every credit card transaction since you gave her the card details.

I also don't always need 2step verification on my credit card only for large transactions.

Pay money you owe back, i presume the cost of the holiday came before the loan and I also presume you have broken a financial/privacy services law by giving out your number to anyone friend or not

Stop giving credit card details out to random people and pay people back when you owe money

Agree with this. OP is in a financially precarious position and trying to keep all the balls in the air. All the income goes into a pool and how she organises that is up to her.

So she kept all your details including the authorization number for a few months? How interesting...

Also it's not her problem your ex hadn't paid. Why didn't you ask your dad to lend you the £100 and pay him back rather than be late with a friend?

Perhaps because without that business she wouldn't be able to earn money to actually provide everything the child needs? I highly doubt the money from the ex is enough to fully provide for the child without any other income.

Irrelevant. My maintenance used to come in after I’d paid all the bills etc from my wages each month so it went into my personal spends account. How you organise your finances is no one’s business.

You say you have never let her down

Each time you are late you are letting her down

yes she shouldn’t have used your card details but equally you owe her that money and should have paid her even £80 and then £20 - and waited for ex money to buy your stuff

It’s fair enough really imagine her phone being cut off because to hadn’t paid her on time and you’re out buying shopping instead of paying her back.
I’m woth your pal to e honest you’ve obviously already given her the card details so she’s just paid her bill because you’d assured her the day before you had het cash.
pay her back asap I’d be mortified lol f I was you 😭 you being off work and having no cash is irrelevant really if you’d promised it back to her yo Needed to give it to her one way or another

My friend took out a phone contract for me in her name years ago.

I had been a victim of fraud after leaving an abusive relationship and had terrible credit which I was trying to get sorted just as I needed a new contract. We didn’t set up any direct debits for me to pay the bill but every month I made the payment by phone.

It usually asks “is the card in your own name press 1 or 2 if it’s in another”
I’d press 2, then it asked for long number, start and expiry date and security code, house number and postcode the card was registered to.

I paid it every month for 2 years with no OTP. I have no phone signal at home and don’t always get asked for one for smaller transactions or with smaller companies. I probably notice it more than most people because I have to go outside and walk down my long drive!

I have also sent my friend my credit card details for her to book a holiday and then just gave her the OTP to finish booking, I have made sure my friend hasn’t stored the details though.

I have a smaller bank with a building society and notice it’s got a few differences to bigger banks.

I can understand why people had doubts about the OP if they have had different experiences but i do find it frustrating when people think life is the same for everyone as it is for them.

An interesting first post, as they say

So you're using your ex partners money, which I assume is for your child to pay off a loan that was lent to you to start your business?
Is your child going without things for your pipe dream?

Not paying your friend back is, at worst, a civil matter. What she has done is a criminal offence.

Because it's still a crime, even if the OP gave her friend the card number. We give card details over the phone all the time and we don't expect the person taking the number to keep the details, or someone who overhears the number etc.

Not every transaction is 2FA. I pay on Amazon all the time and it doesn't ask for a code etc.

I am more surprised that the friend was able to pay for a holiday without the OP's 2FA.

Being a day or two late is "letting her down" OP

But she shouldn't have used your details to pay a bill

I'm more at the point of wondering why the hell OP is booking a holiday when her finances are so bad.

Why on earth are you booking a holiday when you've got debt with a friend, you cant afford food and maxed out on a credit card?

Clear your debt first.

@WaterfallSounds Maybe they’ve paid each other’s phone bills over the years, or maybe that type of payment is of a sufficiently low risk that it doesn’t require that level of security. Either way, it doesn’t negate her friend’s sly behaviour.

@FlowerUser - "... I would report the fraudulent use to the bank and the police and ask the bank to repay the money..."

I agree that the OP's friend has committed a criminal offence, but why would the bank be liable?

The OP has admitted giving her friend her card deails (presumably including the three digit security number) which will be a breach of the OP's credit card agreement and the bank will say that because of that breach by the OP, it's not the bank's problem

If it's my bank I certainly don't want them baling out people who behave this negligently stupidly

i also get a notification on my phone when any payment leaves my account too, not sure if that’s standard though

@Heretone
She hasn’t come back to explain how her friend bypassed the card security systems.
As a pp says she can’t buy a lettuce without having to approve it.

Have I got this right? The OP was paying back at £100 per month on a loan taken out 6 months ago.

Sonshe should have repaid £600/£700 by now.

And the balance is £1300 or thereabouts, so maybe she's behind/late by one payment but she's probably up to date.

In any case her friend has stolen money from her by committing fraud. This is a serious crime and the police would still charge the friend, even if she said she was owed money by the OP.

I would report the fraudulent use to the bank and the police and ask the bank to repay the money.

If I could repay the loan immediately, I would, but otherwise continue to repay at £100 a month but I would make damn sure I was never late again.

And I would never speak to the friend again. She is not the OP's friend.

Why is everyone having a go at OP?

She’s explained that she’s started a business and her friend has lent her £2000 to start-up with an agreement to repay £100 per month. She’s overpaid some months and been a few days late sometimes but she’s paid every month. It’s her friend, she knows OP has started a business and money is tight because she has loaned her money.

Her friend has been sly and stolen from her. She’s treated OP badly and withdrawn money directly from her bank account without her permission. Loan or not, that’s theft.

Sorry this has happened to you OP. It’s an awkward position to be in because your friend was generous enough to lend you money and supported your business but has now gone and done something under hand.