Friend using my credit card.

I was just going to ask the same thing.

That and why is money the ex sends for the OPs DD being used to pay off this debt.

You are both being unreasonable

The whole situation sounds like a shit show from both sides

Obviously wrong but why are holidays a financial priority when you’re in the position of £80 in the bank.

If keeping up payments agreed casually then I agree your friend has BU.

However OP - I will throw this in here. I have been the lender to a very close friend and whilst I was ok financially when I made the loan, months later I really needed it back and friend was unwilling to pay it back as quickly as I needed it. Took me months to get it back - for reference £800.

Perhaps also have a chat with friend as to whether the repayment agreement needs to be revised and whether there is anyone else who can help you out

How come she has all your card details? why did you give them to her?

It was wrong what she did but I wouldn’t report her at this stage. I would report card as lost and notify her about that AFTER reporting.
And keep paying money back. Is there a way to speed it up?

Yeah just bypass it because she doesn’t have a leg to stand on!! Both OP and the friend sound totally skint and desperate. The friend can’t pay her phone bill, the OP can’t pay for literally anything without the help of said friend or the ex. OP didn’t send the friend the money she agreed so the mate took it in to her own hands.

Whilst it’s not right, I’d keep your head down OP and pay her back ASAP.

The friend will always have the upper hand in this situation because the OP is in debt to the tune of £1,200. That is a hell of a lot of money to loan a friend in this current climate.

I think your friend was wrong to do this, however, you told her you'd pay in the morning, when you realised your ex hadn't paid in the morning did you update her, or did you expect her to be telepathic. £1300 is a lot to owe a friend. Work out a realistic payment plan and pay it back

@JJZ
Just waiting for the op to explain how her friend managed to bypass the card security systems - like the 2 factor authentication.

This tbh. You owed her money and didn't pay when you said you would. She had bills to pay. Were you going to keep not paying her? I get where she's coming from, although I wouldn't have done what she did. You owe her a lot of money.

Report the transaction. I don’t understand how she could have done it though?

Your late payment is shit but if she can’t pay her phone bill without that £100 she’s a bit silly and absolutely shouldn’t have helped herself.

I would cancel the card immediately, but not report her. I would continue paying her back at £100 a month, but I would widely distance myself from her. She’s not to be trusted.

Oh of course, just bypass the fact her friend has just committed fraud and stolen from her.

I'm sorry OP but it's really not ok to be late with payments to your friend.

You need to prioritise that, every month without fail. Sickness etc should have been a key consideration when taking the loan.

On that basis, I'd let the fact your friend used your card go (although I'd be fuming for a few days). There is a cost of living crisis and your friend shouldn't have been placed in this position with a potential late payment being placed on her credit file.

Cancel your card. Fresh start.

I hope your DC is better. Life is tough sometimes. Sounds like you are working hard to build a better future - good for you! Onwards and upwards!

I get text message codes now to confirm most of the time. But not always.

Is there any credit card company that doesn’t use MFA these days?

You're not in a position to start your own business OP. You're robbing Peter to pay Paul. You need another plan

I was wondering the same

Your friend has crossed a line here and committed a crime.

Decide how you wish to proceed.

Get the card cancelled and decide whether to report her or not. Regardless of whether you do or not, keep paying her back that loan to get that cleared, so you owe her nothing.

It was NOT ok of her to do that even though you owe her money. Leaving you with a declined card for a food shop is out of order, given you've kept up with all of the payments to her.

You might owe her money, but that was theft.

@KnickerlessParsons
The op gave her the card details when they were booking a holiday.

She stole for you. Self help isnt Ok. Cancel the card immediately.

That said, what arrangements were made re:£1300 and repayment. Because if your card declined with the shopping, im not following how if she hadnt taken it youd have afforded the shop and to repay her?

I think you need clear this debt asap or soon you wont have a friendship to save

How did your friend know your credit card details?
Pay her on time next month and pay it all back as soon as possible.
And never borrow from friends or family again.
If you had a viable business plan the bank would have lent you money but they would expect on time payments too

Her using you credit card is quite extreme and yet her lending you 2k is quite extreme, so I don’t feel like you’re in much of a position to complain. You took 2k of her money and have been late and unreliable in repaying it. This time when you didn’t pay as promised - breaking the agreement - she crossed a line herself. I wouldn’t go overboard about it. Cancel your card so it won’t happen again, but also always pay when you said you will, and then it definitely won’t happen again. And don’t borrow from friends in future. It fucks things up.