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!

ah yes just saw that.

How could he? It says in the opening post of this thread that the OP's husband had her card in his pocket!

Yes, contact the bank if that’s the general advice. But conversely if a few unknown people on a chat forum think otherwise, fill your boots! Book a holiday! Buy an expensive handbag! Keep stealing!

Yep, OP has been getting sloshed on stolen Pinot Grig since she posted. You can see her addled brain slide further into entitled combative madness with each post!

That's what I thought too... It's probably a Coutt's debit card- they aren't that rare, but even my card {not Coutt's} looks very distinctive and I'd recognise it immediately as mine by the length of name on it.

Correct!

@ChinChinDarlings , you do realise that that the 'chin chin' expression is actually spelled 'cin cin' from the Italian for 'cheers'? Always makes me cringe when I see it spelled the wrong way.

So;

Call the Bank

I'm a thief

Jesus hates you

Everyone knows you lie

Whateves

The police are on your doorstep

Thief

Lies!

Stealy-thief

Brilliant. Thanks for all the measured advice.

It's just a cleaned up name for NatWest there days.

Do you know that the name was already taken and I was naming in a hurry for my quandary.

BUT

Never fear!

Tis always marvellous to take small wins when available.

Why did your husband ask straight away what you’d been using to pay for things with when he had your card?

Just wondering because my partner had my card for 3 days before he remembered to tell me that it’d fallen out of my purse at home. If I’d asked he’d have obviously told me but he assumed it wasn’t urgent and completely forgot about it till I suddenly realised.
I’d been using cash and Apple Pay on my watch and phone.

I understand some people just use a debit card still but it seems funny he didn’t just give you your card and instead assumed you had no other means of payment.

There have been some random posts on mumsnet tonight, I’m starting to think about making a thread “AIBU to think everyone is bonkers tonight?”

You should definitely phone right now just in case it gets reported to the police etc. Not that I think you'll be in trouble but just their time would be wasted.

OP you are coming across as entitled, patronising, self opinionated and just downright nasty. Of course you don't care.

You don't care about doing the right thing, mainly because he's as rich as you do he won't care either. Obviously you're not going to get in trouble with the police, but I really do hope you get a CIFAS marker and entries on the National Hunter and SIRA databases. They can be a far bigger inconvenience than a criminal record.

If the OP doesn't report it, how are they going to trace the use of the card back to her??

Gnat West: The Frank Bank.

Three hours of posting but you can’t just phone the bank tonight? Weird reaction not to just sort it.

So;

Call the Bank - Yes, but sooner not later just to suit you. This is a fairly significant mix up and needs addressing. Possibly academic given the time of night, but you could still try the emergency number.

I'm a thief - No, from what you've said it was an honest mistake.

Jesus hates you - No. But you mentioned being close to Easter so it seemed perhaps it was significant for you. Perhaps a misread

Everyone knows you lie - Doesn't sound like it from this thread

Whateves

The police are on your doorstep - No as above

Thief -No as above

Lies! - No as above

Stealy-thief - No as above

Brilliant. Thanks for all the measured advice. - Sorry if the responses have been confronting. But rather than reaching for the defensive, it would be good for you to consider if you'd feel this confident in your delay if you knew it was causing the card owner distress.

''There have been some random posts on mumsnet tonight, I’m starting to think about making a thread “AIBU to think everyone is bonkers tonight?”''

@Minimili You are spot on there...Is it full moon or something?

weird way of looking at it

noone will care nothing will happen? are you above the law

So ChinChin is on the GinGin?

Why would your card have been on the table? Didn't you open your bag to take your card out?

People are a bit dramatic on here.

The police aren’t going to be turning up on the OP’s doorstep tonight, and as the OP has the card it’s not in danger of being compromised - assuming the OP doesn’t spend on it again.

OP you need to give the bank a call tomorrow and advise that you have found the card. I wouldn’t randomly transfer the money into his account as the fraud team may want it to be a transferred to an account where they can transfer it to the owner’s account so their is an audit trail.

I find it somewhat baffling though that

A, if you have an account with the same bank, you weren’t aware that the details are on the back.

And B, that this man was merrily spending on that card on Saturday night, and it hasn’t occurred to him that he’s lost the card after four days.

I could see me e.g losing my credit card because I never use it. But cards which I have out and am using the actual card? Assuming it’s linked to a bank account I’d be wondering how he hadn’t noticed before that it was gone.

Lets assume the man who owns the card has reported it missing, the bank have been through the last usage with him, he has said he doesn't recognise the transactions.

That's it, it's marked as stolen.

OP rings up, "computer says no" fraud office are not interested in stories, she has a stolen card.

Next a pull from the boys in blue and out on police bail awaiting further enquiries after easter.

Not going to end well...

Absent mindedness is the number one excuse of your common garden petty thief 🙄 You're a pickpocket @ChinChinDarlings. You knocked that poor guy's card, and you're hoping he'll accept careless liability. Phone the bank, but know that faux remorse will not be looked upon favourably. Just tell the truth, admit you're a thief, and you might just get a tag rather than jail time.

🤔