To give my DS my bank card to get a few things from the shop?

[Seainasive]

I mean I know I’m not supposed to let it out of my sight and before COVID-19 I would have sent him with some cash but now I never have any!

Do you/would you let your DC use your cash card? DS is 13.

Today 21:55 Booknooks

I think some people are getting the law mixed up with a banks terms and conditions. A card used with someone's permission (if they have capacity) is not illegal, and it's highly likely the bank will be arsed about this breach of the terms anyway. For me the biggest thing would be whether I could trust them to not buy a load of crap!“

Actually, yes, you’re right. “Laws of the land” was a coverall term.

Just try getting another account though, when you’ve broken another bank’s terms and conditions.

I’m so angry that people think it’s ok to encourage vulnerable people to give their cards and details to so-called “carers” willy billy.

No credible agency/employer would condone such practice. Quite the opposite. I imagine MIL’s employer would come down on it like a tonne of bricks because it leaves them wide open to all sorts of accusations.

If indeed she is employed by an agency?

@nomoneytreehere

Lmao at all the unqualified lawyers. Of course it's not fraud.

LMAO at all those saying it’s fine to go against the terms and conditions of their bank accounts. Please try and make the distinction in your heads between “yes we all do it” and “I know I won’t have a leg to stand on if the bank find out that I allowed someone else to use my card, even if that use is totally unrelated to any issue that might arise”.

Yes of course.

Never thought of it as fraud as you're aware he's using it.

BlueberrySugar

Yes of course.

Never thought of it as fraud as you're aware he's using it.“

Doesn’t matter what you “ think”. It’s against the terms and conditions you signed.

Since when was this an issue? DP and I use each others cards all the time...

This thread is really worrying. So many people are unaware of what they - presumably willingly - signed up to.

That or they’re, equally worrying , happy to disregard it.

Blimey DS always has one of my cards - one without an overdraft and only has a small amount in it at a time (around £100). He's 17 and he has it just in case he needs money at college, he's never used it without checking with me first (I get a text when it's used)

Hadn't thought about that not being allowed!

I agree@MrsSkylerWhite

When you sign a contract you commit to comply with all the terms and conditions. You don't get to decide 'it's fine', 'I trust them' and break those conditions.

Sharing your card might not be illegal, might not be fraud. But it is breach of contract. Which invalidates the full contract. You have absolutely no protection from your bank if anything goes wrong. Even if it doesn't go wrong when you share your card, but at another time.

Quite staggering those either unaware or willing to dismiss the T&Cs they signed up to, prepared to ridicule those pointing out the problems with breaking the contract.

Please someone point me to a concrete example where giving a debit card to your own child to buy some bits at the local BP has ever led to any of the crazy outcomes that have been touted on this thread. Just one. Ever.

See my earlier post. My card was skimmed at a cash machine. I had to make a statement to police confirming no one else had ever had access to my card. If they had I would have had no protection from the bank for losses because of breaching the T&Cs.
Super stressful, account emptied, credit rating affected - all eventually restored after almost 12 months because the bank were working with me to sort it out.
Nothing to do with handing a child my card, but everything to do with complying with contractual terms and conditions therefore the bank needing to comply with them too.

@CorianderAndCream

Since when was this an issue? DP and I use each others cards all the time...

Thinking about it, we don't have a joint credit card, instead we just use the one that's always been in DH's name.

It usually resides in my purse...

@CorianderAndCream

Since when was this an issue? DP and I use each others cards all the time...

Well, since pretty much for ever? Since PINs, well before contactless.

Keep using DPs card, and vice versa, fine (although joint accounts solve this!) but just appreciate it’s not actually recommended and leaves you liable for any losses, accidental, fraudulent or otherwise. If you can afford not to be fussed if your card is misused, crack on!

Who would actually say to the police "oh no, I've actually not fully complied with the bank's t&cs and once gave my car to my 11 year old to get some bits down the shop"?

*card

@moynomore

Who would actually say to the police "oh no, I've actually not fully complied with the bank's t&cs and once gave my car to my 11 year old to get some bits down the shop"?

Only someone that wasn't comfortable lying to the police.

@MrsFin

I would, but technically it's fraud.

What? 🙄

My MIL is a carer and she goes shopping for her clients using her clients bank cards.

It’s one thing letting your child or partner or family member use your card with your permission but this is pretty shocking to me. If it was any of my family members giving out their card to their carers I’d be really worried and cross.

It leaves the carer wide open to accusations of theft, quite apart from anything else.

If my card had been skimmed, i would have no problem lying to the police about who had used it if it was my kid, sometimes common sense has to prevail

@NoSquirrels

My MIL is a carer and she goes shopping for her clients using her clients bank cards.

It’s one thing letting your child or partner or family member use your card with your permission but this is pretty shocking to me. If it was any of my family members giving out their card to their carers I’d be really worried and cross.

It leaves the carer wide open to accusations of theft, quite apart from anything else.

When they have no family or any other means of getting money out as they're house bound what do you propose?

I do occasionally. I think it's fine. It suits me.

@MrsSkylerWhite

This thread is really worrying. So many people are unaware of what they - presumably willingly - signed up to.

That or they’re, equally worrying , happy to disregard it.

Worrying 🤣 if this is what I had to worry about I'd be bloody happy

I do think for those with carers the cards you can load money onto is safer. They're not gift cards, anywhere you can use a debit card you can use them, but its not giving someone access to your bank, but just some money.

When they have no family or any other means of getting money out as they're house bound what do you propose?

www.ageuk.org.uk/discover/2021/march/access-to-cash-during-and-after-lockdown/

From the article:

Customers with Lloyds, Halifax and Bank of Scotland can apply for a Trusted Person Card. This allows the customer to give the trusted person a debit card and PIN, which is linked to the customer’s personal current account. The trusted person can then use the card to help the customer with their shopping or to take money out from a cash machine. The card has a weekly spending limit of £100 and a weekly cash withdrawal limit of £100. It cannot be used to set up direct debits or make purchases over the phone, online or abroad.

NatWest, Royal Bank of Scotland (RBS) and Ulster Bank customers can apply for a Companion Card. The card is linked with the main current account but kept separate with the ‘companion’ getting their own card with its own PIN number. Up to £100 can be added to the Companion Card every 5 days. Cash machine withdrawals are capped at £50. NatWest and RBS also offer customers a cash delivery service and if they use mobile banking, can send a code to a friend or relative to make cash withdrawals of up to £130 on their behalf. Customers will be texted a code that can be given to a trusted friend or carer to use at any RBS or NatWest cash machine, or those found outside Tesco stores.

Santander's Carers Card Account is available to existing current account and instant-access savings customers. Up to two carers, relatives or friends can access the account. They are given their own card, PIN and online banking details. Customers can move up to £1,500 into the account. They will also be sent a monthly bank statement to keep track of payments in and out.

The Post Office had teamed up with the Department for Work and Pensions to offer a cash delivery service for around 27,000 vulnerable customers. Those with the Post Office Card Account are able to order up to £2,500 to be delivered via the Royal Mail special delivery service by 9pm the following day.

@NoSquirrels

When they have no family or any other means of getting money out as they're house bound what do you propose?

www.ageuk.org.uk/discover/2021/march/access-to-cash-during-and-after-lockdown/

From the article:

Customers with Lloyds, Halifax and Bank of Scotland can apply for a Trusted Person Card. This allows the customer to give the trusted person a debit card and PIN, which is linked to the customer’s personal current account. The trusted person can then use the card to help the customer with their shopping or to take money out from a cash machine. The card has a weekly spending limit of £100 and a weekly cash withdrawal limit of £100. It cannot be used to set up direct debits or make purchases over the phone, online or abroad.

NatWest, Royal Bank of Scotland (RBS) and Ulster Bank customers can apply for a Companion Card. The card is linked with the main current account but kept separate with the ‘companion’ getting their own card with its own PIN number. Up to £100 can be added to the Companion Card every 5 days. Cash machine withdrawals are capped at £50. NatWest and RBS also offer customers a cash delivery service and if they use mobile banking, can send a code to a friend or relative to make cash withdrawals of up to £130 on their behalf. Customers will be texted a code that can be given to a trusted friend or carer to use at any RBS or NatWest cash machine, or those found outside Tesco stores.

Santander's Carers Card Account is available to existing current account and instant-access savings customers. Up to two carers, relatives or friends can access the account. They are given their own card, PIN and online banking details. Customers can move up to £1,500 into the account. They will also be sent a monthly bank statement to keep track of payments in and out.

The Post Office had teamed up with the Department for Work and Pensions to offer a cash delivery service for around 27,000 vulnerable customers. Those with the Post Office Card Account are able to order up to £2,500 to be delivered via the Royal Mail special delivery service by 9pm the following day.

My MIL would have to sort it out. The lady has no access to internet? No power of attorney family members to speak over the phone for her?

I used my ndn's card to do her shopping for her when she had covid. She gave me a cash float and I got through £150 doing the family shopping. I also collected dog and cat food ordered from the local farm