Friend using my credit card.

[BePunnyDuck]

So I owe my friend a significant sum of money- £1300 or there abouts.

I have had a really really tight month. I’m a single parent, DD has been sick the past 2 weeks and as I am self employed I have had zero income as I have been off looking after her.

Friend messaged me yesterday to ask if it was possible if I could send her £100. I only had £80 left in my account, so I told her I would send her the money the next day as my ex was due to send me money for DD, which he didn't until this evening. I had every intention of sending the money when I got his money.

I went shopping today- only for my card to decline. I checked my online banking and my friend has used my card details and paid her phone bill with my money, meaning I couldn’t get shopping. Luckily- my Dad bailed us out.

I asked her about it and her reply was “you said you were sending me money, I had your bank details (from when we booked a holiday together a few months ago) so I used them to pay my phone bill”

AIBU to think this is wrong? I wasn’t avoiding paying her the money, it’s the fact she’s used my card without my permission…

If this was me, I'd try to get a loan from dad to pay friend back, then set up a DD for dad of a smaller amount each month, like £50, as £100 seems to be tough going for OP at the moment.

I'd also cancel my card with the bank and get a new one that friend doesn't have the details for. That's bang out of order, whether OP owed her or not.

The point l was making was that OP wouldn’t be able to claim compensation because the bank would say she was negligent by divulging her card details. That the friend accessed her bank account without her permission is a different matter. It’s a criminal offence, regardless of how she came by the details.

Tell the credit card company your card was used by someone else without your knowledge. Get the payment cancelled. OK you owe her, but she's gone beyond the line.

OP borrowed the money to set up her own business. She says the holiday was booked months ago.

It's pretty shitty that you're on here making a thread about her when you're the one not paying her back her money that she kindly lent you in the first place. I'd be sick if I lent a friend over a grand and she started paying late etc. I presume your ex hasn't just started this pattern of paying late? So you knew that there was a chance that you would not be able to keep to your word re repayments to your friend?

If she had missed that phone bill payment then that's a missed payment marker on her credit file which a record of remains for 6 years and could impact any applications for mortgages etc in the future. Perhaps she knew the ramifications of that and so did the only thing she could to mitigate that blemish on her credit file.

You have to approve payments via an app now.

I thought the response I responded to was that OP was being wronged by her friend who had abused her credit card. The person who is owed the money would be wasting her time and money going to SCC- if a person can't pay, SCC can't force them to.

The fact that your first couple of paragraphs are you giving pathetic reasons why you are weaselling out of paying her back is disgraceful.

She should not have used your card but perhaps she was in desperate need of getting some of HER money back.

Your priority is relaying her the money she only lent you.

Never borrow money again.

@SunnyD4ys its in the thread title written by OP

Yes thanks I have just read her second post. My bad for not reading all posts. I also missed it was a credit card and that OP has stuck to repayment arrangement.

I think however if OP needed to borrow from a friend to start up a business which has no leeway for if she is sick a holiday should not have been booked.

OP it sounds like you both have an insensible approach to money - booking a holiday with someone you have an active loan agreement with, for example. So it’s not very surprising you’ve both got yourselves in this messy situation.

I assume you can’t borrow money conventionally? If you can (without resorting to payday loans, etc) I’d repay her the full outstanding amount. Then you need to decide if you continue the friendship without ever borrowing or lending money again.

Wouldn't that be fraud to, and probably worse as you are lying to your bank.

Are you sure about the legal point that compensation can’t be claimed? People
share payment details all the time (e.g. with retailers); it is not against any rules as far as I’m aware.

They probably booked the holiday together on the friends device.

Yes, regardless of whether you owe her money and under what terms, she has committed fraud here.

Loans often end friendships alas.

“I have never let her down.”

Yes. You have. Every time you paid late.

Is your business genuinely a good idea given you are so tight for money?

Lots of posters advising OP to report it as fraud. Before doing this she will need to decide if she wants to drop her friend in the shit, thereby ending the friendship, because even if she doesn’t name her friend, the bank will discover the origin of the payment. And OP still won’t get the money back.

She gave her friend the details of the card and allowed her to use it without informing the bank first. And once her friend had made the transaction for which she had OP’s permission, OP then failed to secure the card details from further use. So she’s almost certainly broken the bank’s terms and conditions for the use of the card.

And her friend made the payment online, so if OP reports the transaction as fraudulent the bank will investigate and the IP address from which the payment was made will lead them straight to her friend and OP will still be implicated for having divulged the card details in the first instance.

It was a passive aggressive response, why is she lending that amount to yo, if she can't afford to pay her phone bill.
You're both in the wrong.
You must pay her back.

OP said bank details not card details so she can’t cancel her card.

OP the circumstances of you paying her back are COMPLETELY IRRELEVANT. What she did is absolutely disgusting and a massive overstep to put it mildly.

id try and make other arrangements to pay this person back and consider her presence in your future.

I don't.

Agree that SCC won't get the friend back her money quicker, but a judgement for failure to repay will have long term repercussions for Op as well.

How did she mange the retain your card details Including the 3 digits and surely there was some kind of security check at the time of the transaction. I can't make a single payment without a text or a notification in the app asking me to authorise it.

It sounds as though your business isn't making any money, so essentially it's a hobby. Get a full time job so you get regular money, and do your business in your spare time.

If you read the OP it was the card details her friend had - to pay for a holiday they booked together. I’m with you. I’ be completely rethinking a friendship with someone who would think themselves entitled to do this, regardless of whether OP was behind with her payments - which it seems, she actually wasn’t. There is absolutely no excuse for what her friend did

The bank can't and dont check the ip address, that's the kind of checks police do. Even if they can see an ip address they dont have the address for that to check who it is.