Accidental crime...

[ChinChinDarlings]

NC, because I have become an inadvertent criminal.

This sounds unlikely but it true and I would like some advice and insight.

I was out today with a friend, lunch, galleries, bit of shopping. Tapping away merrily with my card.

My husband met me at the station to pick me up and I said I needed to go to the supermarket to get something and he asked what I'd been paying with all day because he had my card in his pocket.

We'd been away at the weekend and he'd been using my card because that was the card we had on us, I have a premium banking product and my card is very distinctive. I'd checked that I had my card in my holder before I went out today because I knew We'd both been using it at the weekend. Saw it was in my holder and have been tapping away all day.

The card I had in my holder and have been merrily using all day, is not my card. It belongs to a man I've never heard of. The only solution I can see is that I picked his identical card up that he left on a table and I assumed it was my card.

I have been spending a stranger's money all day. Shall I just phone the bank? Won't I look like a criminal?

TL;DR. I have accidentally spent some blokes money all day. I don't know what to do!

That's absolutely what I did and was no way central to the entire confusion.

It was a Go Henry card and a ball-pit.

Busted.

Har har. You really had us, OP.

To be fair, @ChinChinDarlings isnt trying to be funny.

what’s hilarious is the utter stupidity of PP insisting that the poor bloke with Premier Banking or similar is on the verge of ruin for £300. If he was, he wouldn’t have been out in the first place, would have cancelled the card already and in any event the situation WILL get sorted out, everything put right, now no further ’harm’ being done as OP is aware

MN is super annoying, just because you can’t spent £10,000 or more per day on a card means absolutely nobody else can, and all those unable to comprehend that not everyone has the same lives/banking arrangements as them piling in.

THAT’S the joke. it’s not even close to being funny.

@MzHz

But it misses the point. It's irrelevant what the circumstances of the individual whose card she has is.

I don't agree with the wild speculation about dire consequences for OP, but I cannot fathom posting light-heartedly about spending someone else's money & not doing what I could immediately to address it.

@ChinChinDarlings ur wrong in so many ways and you are a fraud im sending this daily mail for them to pick up and put it out there for hopes this man will see everything you have said and hopefully if you did Accidentally’pick’ it up he will know exactly his company that night 😊

I thank you.

It's the;

Dob yourself into the police IMMEDIATELY.

That's funny, as you say.

I'm not trying to be funny. I was being a little bit wicked because I knew that would be the response.

Anyway. I'm killing time until 8am.

OP, I know you're exaggerating for effect but I don't recall any posters talking about the police.

Many felt you should have made more effort to address this last night, and as you said, you intentionally were 'wicked' by saying you wouldn't bother, too much hassle, no big deal etc, which wound posters up somewhat. I don't see that as funny but a bit mean-spirited, myself.

It’s the obnoxious tone, there has been a spate of them recently.

OP I think has a high street premium bank account based on the info. Curious now but still don’t care 😂

Wonders off to wonder if the man whose card has been pilfered has received any phone notifications for fraudulent purchases and frozen his card.

8.05am....

Haven't RTFT just the OPs posts. Well played for whipping posters up into a froth!
FWIW as an ex police officer, I can't see any cops breaking down your door. Was an honest mistake with no intention to deceive or permanently deprive.
Keep us posted!

And me too, unable to sleep, this thread has made my long night more bearable.

I one entered the country illegally. I entered the UK with my sister in laws passport and she mine. We’d been on a family holiday, she was in charge of the passports for the group, (she’s bossy like that) Handed me A passport, I took a cursory glance at it, put it into my pocket, gets to passport control, in Spain no problem, gets through all airline checks. Arrived in the UK, where once again me and her passport were waved through. The UK guy took a bit longer looking at me but that’s all. It was only when we were in the coach home did we realise we had the wrong passports.
SIL was mortified. I’m thirteen years older than her.
‘How could they think I’m you’.
I said it must be the hair and glasses.

Normally most banks have a 24 hour help
line even if they’re Coutts or not which is what you use when you have an emergency, eg inadvertently nick someone else’s card. And the thing is, both she and the other cardholder may have loadsamoney but he might be concerned because you know, it’s his bank card, and it’s gone missing.

I think OP is treating herself to a lie in!

She was up late last night arguing on MN.

It would be funny if it had already been stolen and that's why it had been left lying on the table. Now OP has gone and spent even more money on it and is going to have to argue that only £300 of the stolen money was her.

Ring the bank and possibly the police non emergency number after ringing the bank, in case the card has been reported as stolen.

Tell both bank and police all the places you used the card today,.and if you can remember, approximate values spent.

Here's one that mentions the police, just a few posts in, there may be more. MN is very keen on ringing the police, no wonder there is never any if you really want them

@ChinChinDarlings my SIL works in a bank and she has said once he realises and goes to the bank to inform them etc that the card has been missing and once he notices there have been transactions he doesn’t recognise, yes they will refund the amount but also before they do this they hand it over to the fraud team to investigate before any refund is made.

otherwise everyone could “lose there bank card” and “not recognise transactions” and everyone would be entitled to a refund? That’s why there are fraud teams that work day and night for the banks.

i would phone them this morning (the man probably already knows now) to get this resolved, it will look 10x worse if he goes to the bank and realises it’s been used.. you will look bad in that situation and there will have been intent there because you could have sorted this situation out but instead have been putting it off, best to be honest.

I can't believe you even feel you have to ask!

Of course you phone the bank. NOW.

I'm on hold...

I'm not sure they know where to send me...

Not sure how I'm being unfair. You still didn't answer the question about whether you would feel this confident (or let's say amused) if you knew he was being caused difficulties.

We all like to be amused and I agree people are fascinating.

But being amused by your own actions when another may be upset by them doesn't reflect well on you.

All the energy you expended on here could have been used to call the bank much earlier.

That will probably be half an hour then

Waiting to the morning to call the bank rather than 10pm is not turning anything from a mistake to a crime!

Maybe you set up a bar tab last weekend and they returned the wrong card?

One assumes he hadn't blocked his card (as it works) so maybe he is using yours?

My new Santander credit card had no details on the front so easy to get wrong one (ie my partners)

maybe he is using yours?

OP's DH had hers. She said so in her initial post.

Belmarsh? 🤣