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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:
Hotandbothereds · 22/08/2022 22:27

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.

Yeah they’ll probably take back the refund and expect him to recoup the money from the OP and give him a lecture about being more careful with his bank details.

ThinWomansBrain · 22/08/2022 22:27

have you checked that the purchase has gone through & not been cancelled?

stressingOout · 22/08/2022 22:27

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.

That’s what happened to me. Mum had been paying for my takeaways for months. We found it hilarious when we realised, and I of course reimbursed her.

This thing must happen all the time. Just do what you can to put the matter to bed, and don't think anymore of it.

ThinWomansBrain · 22/08/2022 22:28

cross posted😀

IAmOldNow · 22/08/2022 22:29

TheGoodNamesWereAlreadyTaken · 22/08/2022 22:27

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.

Show quote history

Well, that's actually a massive improvement on my "how does it look to the outsider" summary above:

The discovery is not coincidence but "same transaction notification".

This makes things sound a lot more plausible!

Original poster
TheGoodNamesWereAlreadyTaken · 22/08/2022 22:29

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.

The last time my eBay account was used was when he bought something on it. Ive been using Amazon prime but have recently cancelled so back to eBay the other day. Now this has happened.
Worrying yes. Unbelievable no.

OP posts:
Sally872 · 22/08/2022 22:30

The fraud department want to make sure card and account are secure. They will probably be glad to hear simple explanation and all resolved. You might have to pay the £51 to the bank or to your friend, just see what they ask for.

What are you worried might happen? Someone might be able to help rationalise it.

Walkingalot · 22/08/2022 22:31

I did this with my ex on Ebay. I just clicked pay and didn't notice he'd left his bank details there. He even asked me if I'd used his card and I denied it! I was genuinely unaware. He reported it to the bank. When I later realised what had happened (when the Ebay seller got in touch to ask what was going on, as she'd been alerted) I told him. I had to go into the bank with him and explain. The bank had already reimbursed him so I had to pay the Ebay seller, who was very understanding, as was everyone. It was a genuine mistake and it was all settled amicably.

Original poster
TheGoodNamesWereAlreadyTaken · 22/08/2022 22:35

I'm genuinely worried I'm going to get in trouble for fraud. I know it sounds irrational. It does doesn't it. I'm being irrational aren't I? Arghhh!

OP posts:
Nekomata · 22/08/2022 22:36

Sally872 · 22/08/2022 22:30

The fraud department want to make sure card and account are secure. They will probably be glad to hear simple explanation and all resolved. You might have to pay the £51 to the bank or to your friend, just see what they ask for.

What are you worried might happen? Someone might be able to help rationalise it.

Well, she is probably worried that the bank will try and charge her with fraud. It's perfectly normal to be worried that the bank has started an investigation and there may be consequences for this. Hopefully, there won't be. I don't get why so many people on Mumsnet are so obtuse.

Hotandbothereds · 22/08/2022 22:37

Nekomata · 22/08/2022 22:36

Well, she is probably worried that the bank will try and charge her with fraud. It's perfectly normal to be worried that the bank has started an investigation and there may be consequences for this. Hopefully, there won't be. I don't get why so many people on Mumsnet are so obtuse.

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Of course she won’t be charged with fraud, don’t be so melodramatic!

The fraud team will be pleased it can be easily resolved, job done.

WeepingSomnambulist · 22/08/2022 22:38

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.

This is nonsense.
Of course they would realise around the same time. There is no other way for it to happen.

He wouldnt know his card had been saved on her account. He just saw payments on his online banking which he didnt recognise so he called the bank.

The OP realised around the same time because she looked at the order and saw the wrong payment details has gone through.

He couldn't have found out any earlier; his card had to be used for him to realise. She couldnt have known any earlier; she had to make a purchase with it and notice his name on the payment info.

It really isn't suspicious like you're trying to make out.

CapMarvel · 22/08/2022 22:39

Nekomata · 22/08/2022 22:36

Well, she is probably worried that the bank will try and charge her with fraud. It's perfectly normal to be worried that the bank has started an investigation and there may be consequences for this. Hopefully, there won't be. I don't get why so many people on Mumsnet are so obtuse.

Show quote history

OP will absolutely not be charged with fraud.

The only person who may be held at fault is her friend for not securing his account. At worst he'll probably have to repay the money.

Hotandbothereds · 22/08/2022 22:39

TheGoodNamesWereAlreadyTaken · 22/08/2022 22:35

I'm genuinely worried I'm going to get in trouble for fraud. I know it sounds irrational. It does doesn't it. I'm being irrational aren't I? Arghhh!

It’s normal to worry but honestly nothing bad will happen- tbh it’s more your friends mistake for having left his card details accessible on your account!

It’s not like you stole his card, he gave you the details 😊

ParsleyPesto · 22/08/2022 22:41

As long as he lets the bank know it’s all good 👍🏾

QwertyBert · 22/08/2022 22:43

This reply has been withdrawn

This has been withdrawn by MNHQ for breaking our Talk Guidelines.

chillipenguin · 22/08/2022 22:44

TheGoodNamesWereAlreadyTaken · 22/08/2022 22:35

I'm genuinely worried I'm going to get in trouble for fraud. I know it sounds irrational. It does doesn't it. I'm being irrational aren't I? Arghhh!

You won't. He will get told off for sharing his card details.

LeaveIt · 22/08/2022 22:47

TheGoodNamesWereAlreadyTaken · 22/08/2022 22:35

I'm genuinely worried I'm going to get in trouble for fraud. I know it sounds irrational. It does doesn't it. I'm being irrational aren't I? Arghhh!

You’ll be fine, I’m sure. Things like this, in my experience, always feel magnified and intense at night when you’re powerless to do anything about it.

MyrtlethePurpleTurtle · 22/08/2022 22:48

TheGoodNamesWereAlreadyTaken · 22/08/2022 22:19

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

no - I suspect the bank will claim back from him as he gave his card details to you - a complete no no from a banks perspective

motheroftheyear95 · 22/08/2022 22:50

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Original poster
TheGoodNamesWereAlreadyTaken · 22/08/2022 22:51

I just wish I'd realised last night and I could have just sent him the money and no one else needed to be involved. Ugh. What a mess!!🙄

OP posts:
Summerfun54321 · 22/08/2022 22:53

TheGoodNamesWereAlreadyTaken · 22/08/2022 22:35

I'm genuinely worried I'm going to get in trouble for fraud. I know it sounds irrational. It does doesn't it. I'm being irrational aren't I? Arghhh!

Yes very irrational. It’s your friends fault for saving his details to your eBay account.

Original poster
TheGoodNamesWereAlreadyTaken · 22/08/2022 22:53

This reply has been deleted

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I think the question should be. And the point of your message is???
Not interested in a thread. Keep scrolling. Looking for some genuine advice and whether I'm being unreasonable to worry if you like. Is that ok with you?

OP posts:
motheroftheyear95 · 22/08/2022 22:58

TheGoodNamesWereAlreadyTaken · 22/08/2022 22:53

I think the question should be. And the point of your message is???
Not interested in a thread. Keep scrolling. Looking for some genuine advice and whether I'm being unreasonable to worry if you like. Is that ok with you?

Show quote history

Oh please lol everyone is entitled to an opinion! eBay would have surely given the OP she needed

Original poster
TheGoodNamesWereAlreadyTaken · 22/08/2022 23:01

Your opinion really isn't needed. I was asking for genuine advice. You obviously don't realise how rude you came across. What was the need? Seriously?! Lol!

OP posts: