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Original poster

Accidental crime...

676 replies

ChinChinDarlings · 27/03/2024 21:30

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!

OP posts:
Thread gallery
5
everythinglooksbetterpaintedblack · 27/03/2024 22:44

Seriously though... what are s a premium bank card??
I have a black Lloyds card.
It's definitely not premium as I only earn a pittance

RangeTesKopeks · 27/03/2024 22:47

ChinChinDarlings · 27/03/2024 22:43

Because.

It's optional that I could just fuck it off.

I could just do bugger all about it & I pretty much guarantee that there would be no come-back on me.

There wouldn't.

So;

I can give myself a bit of a headache to explain why I was accidentally spending someone else's money.

Or;

He could, in a few days, realise that he has lost his card, there have been transactions that he doesn't recognise, to not that much 300-ish.

The bank will probably refund. I'm not going to get police at my door. That's not going to happen.

So. Really. My question is;

Can I be arsed to go through the rigmarole that this will entail or should I pretend it never happened?

Show quote history

You cannot be for real. Surely no one is this selfish in real life. You are entirely focused on getting away with stealing a stranger’s bank card. I feel sorry for you that your entire existence seems to be built on committing crimes and seeing what you can get away with - or, at the very least, making up stories about that on an anonymous website.

wwyd2021medicine · 27/03/2024 22:47

It won't be a ball ache to call at all if it's some sort of premium card

TheLeadbetterLife · 27/03/2024 22:47

AlfrescoPotato · 27/03/2024 22:42

Your spirit animal is someone holding the stress of somebody who will think they’ve had money stolen, and be panicking about the security of their bank accounts etc, over the inconvenience of making a late night phone call? Nice!

Show quote history

Yes. My spirit animal gives no fucks.

AlfrescoPotato · 27/03/2024 22:48

TheLeadbetterLife · 27/03/2024 22:47

Yes. My spirit animal gives no fucks.

Show quote history

*gives no fucks about other people and committing crimes. Your ‘spirit animal’ is, perhaps, an arsehole.

Chocolatefrogs · 27/03/2024 22:50

TheLeadbetterLife · 27/03/2024 22:47

Yes. My spirit animal gives no fucks.

Show quote history

Name change fail?

uhOhOP · 27/03/2024 22:50

Only males up to the age of about 23 refer to the police as "feds", surely?

PrincessTeaSet · 27/03/2024 22:50

If you don't repay it is theft. Same as if your employer accidentally overpays you. Not your fault but you still have to tell them and repay it.

£300 is a lot of money. You sound rather arrogant to think it won't matter to someone else.

TheLeadbetterLife · 27/03/2024 22:51

AlfrescoPotato · 27/03/2024 22:48

*gives no fucks about other people and committing crimes. Your ‘spirit animal’ is, perhaps, an arsehole.

Show quote history

Everyone's an arsehole. She's winning at life though.

Original poster
ChinChinDarlings · 27/03/2024 22:54

TheLeadbetterLife · 27/03/2024 22:40

I think you've come across fine, OP. In fact, I am a little in awe of your laissez faire. If I were in your position, I'd be desperate to get it sorted out asap.

At this moment, I am fighting with myself not to look at WhatsApp, because I know my boss has sent me late-night messages (as she always does). The fucking idiot over-thinking part of my brain wants to know what she's sent, and start working on whatever bullshit pointless task it is. I'm trying to cultivate the ChinChinDarlings side of my brain that can switch off and have a pleasant evening, and sleep well without trying to solve problems all night.

I hate my job.

@ChinChinDarlings you are my spirit animal.

Yes.

I'm not sure why people get so concerned.

I always like to drill down. What's the worst that could happen?

Angry people. That's the worst that could happen.

I've never done an illegal.

What you gonna do?

Fuck the angry people. They just enjoy the angrying for angryings sake.

OP posts:
PamplemousseRouge · 27/03/2024 22:54

ChinChinDarlings · 27/03/2024 22:27

I'm laid back about it because it's a genuine error, not even theft by finding, it's an error. At the moment there's no criminality.

As soon as I realised what was going on, I stopped using the card and I'll call the bank tomorrow.

I'm not culpable. It's a crazy mix up.

Why wouldn't I be laid back. The feds are not going to be breaking my door down tonight or any other night.

Show quote history

Yes you are ‘culpable’, and no it’s not a ‘crazy mix up’. You took someone else’s card and had many, many opportunities to return it, but you chose not to return it and now you’re doubling down and insisting that you’re right to act like this and that returning it would just be extra hassle for you. You’re pretty heartless tbh.

BodyKeepingScore · 27/03/2024 22:55

SleepingisanArt · 27/03/2024 21:45

Can't have been tapping 'all day' as every 5th tap requires PIN authentication (can be fewer taps if you've spent close to the £100 limit for a couple of taps).

This is untrue. I haven't had to enter my pin for months

StarlightLime · 27/03/2024 22:55

ChinChinDarlings · 27/03/2024 22:54

Yes.

I'm not sure why people get so concerned.

I always like to drill down. What's the worst that could happen?

Angry people. That's the worst that could happen.

I've never done an illegal.

What you gonna do?

Fuck the angry people. They just enjoy the angrying for angryings sake.

Show quote history

The pair of you sound completely nuts.

LunaNorth · 27/03/2024 22:57

Was your ‘long lunch’ of the liquid variety?

VanGoghsDog · 27/03/2024 22:57

ChinChinDarlings · 27/03/2024 22:43

Because.

It's optional that I could just fuck it off.

I could just do bugger all about it & I pretty much guarantee that there would be no come-back on me.

There wouldn't.

So;

I can give myself a bit of a headache to explain why I was accidentally spending someone else's money.

Or;

He could, in a few days, realise that he has lost his card, there have been transactions that he doesn't recognise, to not that much 300-ish.

The bank will probably refund. I'm not going to get police at my door. That's not going to happen.

So. Really. My question is;

Can I be arsed to go through the rigmarole that this will entail or should I pretend it never happened?

Show quote history

Jesus!

Yeah, he doesn't know it's you, but you know it's HIM!

You have his bank card, so you have his bank details. Just transfer what you owe him now, on your online banking, and drop the card into a branch tomorrow.

Stop being an arse.

And premium accounts aren't rare, only Wetherbys and Coutts have "rare" accounts, and even then there are tens of thousands of people with them.

Original poster
ChinChinDarlings · 27/03/2024 22:58

RangeTesKopeks · 27/03/2024 22:47

You cannot be for real. Surely no one is this selfish in real life. You are entirely focused on getting away with stealing a stranger’s bank card. I feel sorry for you that your entire existence seems to be built on committing crimes and seeing what you can get away with - or, at the very least, making up stories about that on an anonymous website.

Show quote history

You are very amusing.

I've never committed a crime in my life.

I'm kind of feeling non-inclined to fess-up now.

My entire existence is non-crimnal based fwiw.

OP posts:
Kittycat333 · 27/03/2024 23:00

The feds? This is tragic!

Original poster
ChinChinDarlings · 27/03/2024 23:01

VanGoghsDog · 27/03/2024 22:57

Jesus!

Yeah, he doesn't know it's you, but you know it's HIM!

You have his bank card, so you have his bank details. Just transfer what you owe him now, on your online banking, and drop the card into a branch tomorrow.

Stop being an arse.

And premium accounts aren't rare, only Wetherbys and Coutts have "rare" accounts, and even then there are tens of thousands of people with them.

Show quote history

I cannot transfer money to a person who is only known to me by their name.

Their account details are not on the card.

Jesus!

(You know Easter is round the corner. Calm down now).

OP posts:
VanGoghsDog · 27/03/2024 23:02

ChinChinDarlings · 27/03/2024 23:01

I cannot transfer money to a person who is only known to me by their name.

Their account details are not on the card.

Jesus!

(You know Easter is round the corner. Calm down now).

Show quote history

How does a bank card not have bank details on it? That doesn't make any sense.

Is it SO very exclusive that you have to guess the bank account number?

SheepAndSword · 27/03/2024 23:03

I found this thread a bit depressing

NoWordForFluffy · 27/03/2024 23:04

ChinChinDarlings · 27/03/2024 22:43

Because.

It's optional that I could just fuck it off.

I could just do bugger all about it & I pretty much guarantee that there would be no come-back on me.

There wouldn't.

So;

I can give myself a bit of a headache to explain why I was accidentally spending someone else's money.

Or;

He could, in a few days, realise that he has lost his card, there have been transactions that he doesn't recognise, to not that much 300-ish.

The bank will probably refund. I'm not going to get police at my door. That's not going to happen.

So. Really. My question is;

Can I be arsed to go through the rigmarole that this will entail or should I pretend it never happened?

Show quote history

And this is where it becomes theft.

Dishonesty crimes, even small ones, can fuck lives up right royally!

singingthypraises · 27/03/2024 23:05

Wow what a random thread. It's ok OP the lurking reporters on MN will have this all plastered in their columns by morning so everyone'll know about the premium account and your low regard for anyone else. Presumably that's your aim here since it's not about wanting guidance on how you handle any of this scenario. Bizarre post and bizarre attitude throughout.

NoWordForFluffy · 27/03/2024 23:06

ChinChinDarlings · 27/03/2024 22:58

You are very amusing.

I've never committed a crime in my life.

I'm kind of feeling non-inclined to fess-up now.

My entire existence is non-crimnal based fwiw.

Show quote history

Not any more it's not!

Original poster
ChinChinDarlings · 27/03/2024 23:08

singingthypraises · 27/03/2024 23:05

Wow what a random thread. It's ok OP the lurking reporters on MN will have this all plastered in their columns by morning so everyone'll know about the premium account and your low regard for anyone else. Presumably that's your aim here since it's not about wanting guidance on how you handle any of this scenario. Bizarre post and bizarre attitude throughout.

Really?

Well that would be boring for them.

OP posts:
Original poster
ChinChinDarlings · 27/03/2024 23:10

NoWordForFluffy · 27/03/2024 23:06

Not any more it's not!

Show quote history

How is it criminal now?

OP posts: