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Original poster

Used my friends bank card by mistake. Worried.

91 replies

TheGoodNamesWereAlreadyTaken · 22/08/2022 22:08

So my friend used my ebay account to buy something for his partner a few months ago. The card was somehow saved on my eBay account unbeknown to me. One of us probably didn't read the "save for future purchases" message.
Anyway I bought a few things from eBay the other day. Realised today he ended up paying for them.

I messaged him immediately. But last night he contacted his bank and they have refunded the payments and launched an investigation.
He's going to contact the bank tomorrow and explain.
I might be being irrational as this must happen all the time nowadays but i'm very worried about this. What will happen now?

OP posts:
bloomflower · 22/08/2022 22:09

Not in the know here, but as long as you have evidence you contacted him as soon as you realised (and preferably before him) then I think you're ok! And refund to him ASAP.

Pava22 · 22/08/2022 22:10

It will get refunded then take his details off and buy it again. If you get contacted you explain pass on his details to confirm. Really wouldn't worry about it. He knows and he will call the bank to explain

Crinkle77 · 22/08/2022 22:10

How odd he would contact the bank. Why did he not just give you the chance to give him the money?

Original poster
TheGoodNamesWereAlreadyTaken · 22/08/2022 22:11

The bank have already refunded him. So I'm not sure what's going to happen now. I didn't realise until today. By which point he'd contacted his bank. Had a new card ordered and an investigation is underway.

OP posts:
Johnnysgirl · 22/08/2022 22:11

Crinkle77 · 22/08/2022 22:10

How odd he would contact the bank. Why did he not just give you the chance to give him the money?

Precisely Confused. That's an insane reaction! He told them his card was used without permission??

Crinkle77 · 22/08/2022 22:12

Not sure if I got the wrong end of the stick? Did he contact the bank before or after you told him?

Original poster
TheGoodNamesWereAlreadyTaken · 22/08/2022 22:12

He didn't know it was me. Otherwise he would have. He thought his card had been cloned or something. As neither of us knew his card had saved all those months ago

OP posts:
Original poster
TheGoodNamesWereAlreadyTaken · 22/08/2022 22:13

He contacted bank last night. I realised today and then informed him

OP posts:
Whowhatwherewhenwhynow · 22/08/2022 22:13

Our friends had this. One friend put their card details into the other friends just eat app. Then without realising that friend was ordering food on just eat and the payment way from the other friends account.

mom sure it’ll be fine and get resolved.

Hotandbothereds · 22/08/2022 22:13

Johnnysgirl · 22/08/2022 22:11

Precisely Confused. That's an insane reaction! He told them his card was used without permission??

Show quote history

He contacted his bank yesterday - before the OP realised!

Musti · 22/08/2022 22:13

He’d probably just seen the money go out of his bank for stuff he hadn’t ordered. Doubt he realised it was her. Honest mistake.

Crinkle77 · 22/08/2022 22:14

TheGoodNamesWereAlreadyTaken · 22/08/2022 22:11

The bank have already refunded him. So I'm not sure what's going to happen now. I didn't realise until today. By which point he'd contacted his bank. Had a new card ordered and an investigation is underway.

Ah right ok. I'm sure if he explains it will be fine. They'll probably give him a lecture on being more careful.

Floweryflora · 22/08/2022 22:14

That makes no sense, if you messaged him immediately he’d not have had time to contact his bank.

Original poster
TheGoodNamesWereAlreadyTaken · 22/08/2022 22:15

I messaged him immediately after I realised what had happened. 2 days later.

OP posts:
Hotandbothereds · 22/08/2022 22:16

I think once he calls his bank and explains the mistake the investigation will be closed, he wasn’t to know what had happened but I don’t think you’ve got anything to worry about, it was a simple error.

I did something similar once on my Amazon account where the card from a voluntary organisation I’d ordered some things from had stayed on my account and accidentally that’s where the payments came from! It was easily resolved (I paid the money back!)

Hotandbothereds · 22/08/2022 22:17

Floweryflora · 22/08/2022 22:14

That makes no sense, if you messaged him immediately he’d not have had time to contact his bank.

She messaged him when she realised, he’d already contacted the bank.

Sally872 · 22/08/2022 22:19

Don't worry, simple mistake nothing will happen. The investigation will show it was an error and is resolved.

Nobody has stolen anything or been fraudulent it was a mistake not a crime.

Original poster
TheGoodNamesWereAlreadyTaken · 22/08/2022 22:19

The bank have refunded him. So I now inadvertantly owe the bank £51.

OP posts:
FlyingSaucerss · 22/08/2022 22:19

Why do people find things so hard to understand, he contacted his bank before he realised it was the op 🙄 when the op realised she contacted him but he had already contacted his bank

Sally872 · 22/08/2022 22:22

TheGoodNamesWereAlreadyTaken · 22/08/2022 22:19

The bank have refunded him. So I now inadvertantly owe the bank £51.

Have you received your purchase? Perhaps it has been cancelled?

Original poster
TheGoodNamesWereAlreadyTaken · 22/08/2022 22:23

Live not received anything but everything has been dispatched

OP posts:
CapMarvel · 22/08/2022 22:24

This is your friends fault for not properly securing his account, in the same way if he lent his card to someone and they used it.

The bank will likely expect the refund back and may consider it in breach of their t&cs.

Johnnysgirl · 22/08/2022 22:25

How did you realise, op?

IAmOldNow · 22/08/2022 22:26

So, in summary, going by OP's posts, timeline as follows:

  1. Friend borrows eBay account, saves own financial info without either of them noticing
  1. Several months elapse, during which OP makes purchases charging them to friend's card
  1. Friend eventually notices, calls bank. Gets refunded, bank launches investigation
  1. OP, independently of friend, also notices a mere one day later, lets friend know immediately, but now bank is already on the case

So, this may have happened. But the flaw in how believable it sounds to the neutral observer, surely, is: "situation went undiscovered for months - at which point both OP and friend find out independently of one another within a few hours".

I'm not saying it can't happen. In fact, statistically speaking, it will if people share accounts often enough. I'm saying that this is the part where I'd go "hold on, tell me about that timing situation once again?" if tasked with getting to the bottom of it.

OP, make sure you get your friend to confirm you both "collabotated" on the error, and that the rest is mere coincidence.

Original poster
TheGoodNamesWereAlreadyTaken · 22/08/2022 22:27

Johnnysgirl · 22/08/2022 22:25

How did you realise, op?

I received a notification that something had been dispatched. Clicked on it to see the delivery date and saw his name under the payment. So investigated and realised.

OP posts: