Used exes card mistake fraud

[Lolo2000]

I have an Uber account with 6/7 cards on them.
I was with my ex partner for years, he used to use the same Uber account.
Anyway in Jan I received my Christmas bonus at work and I was using Uber quite a bit whatever card worked I ordered on, assuming it was coming from one of my accounts (I have 2 that I don’t have online access to)
I did think at one point “I wonder if one of these cards are my exes” but the card would usually ask for the OTP especially if it hadn’t been used in some time as the payments (food orders on Uber) went through no issues I didn’t think much of it.
On Friday he told me someone had used his card and he thinks it’s me, this obviously made me think and I managed to get online access to my accounts that I didn’t have access to before and it seems I did use his card. Not on purpose, honest mistake.
I’m going to be honest, he’s reported to Santander already and I called them yesterday and told them what had happened.
I’m willing to pay him back (although he owes me money, 600 in total from 3 years back) I don’t think he will go to the police, he’s not that type but if he did what would happen?
I’m worried, never done anything like this in my life

I think you need to tell him ASAP, be very apologetic, pay it all back immediately (with no fuss/delays/mention of what he owes you) and delete the card! At the end of the day Uber shows you which card you're using before you book each ride, so even if you weren't sure it was your card it's not much of an excuse.

@LittleRedRidingHoody I’ve already deleted the card, I honestly thought if it was his card he would have noticed the payments, he said nothing until Friday he didn’t notice and some time had passed, so I didn’t think.
Also I’m pretty sure he lost a bank card before Christmas and got a new one, this card had been on my account way before then so surely if a card had been lost and blocked then it shouldn’t have been able to be used online.
I’m going to pay him back what I can afford every month even if that means I get no child maintenance for the month.

Tell him, pay him back, unlink his card

I would apologise for the mistake but I wouldn't pay him back if he owes you £600. I'd tell him he now owes you £600 minus that amount.

@healthybychristmas this is what my friend said, he broke my omega watch during an argument which I had to borrow money off my dad to pay to have the bracelet fixed and the mechanism inside the watch replaced, cost me 600 in total.
I was going to meet him halfway (150) which still puts him in a good position but I know what he is like he will play the victim even though he was convicted of benefit fraud in September. Claiming when not entitled to.

Just pay the money you owe him , yes he should reimburse you for the watch but that’s a separate issue and using it to offset is likely to just cause more aggro than it’s worth. Ultimately you should have been checking which card you were using , all this about his card being replaced etc is just trying to excuse your responsibility

You should pay it all back. Him breaking your watch is different.

I think to avoid legal trouble you should just pay him back. Ultimately you've committed fraud, and saying you had to fix a watch so you won't pay him back makes it look even more like you knew what you were doing.

Up to you but if he goes down a legal route you are 100% in the wrong here, and none of the excuses you've come up with would hold up at all.

Lol of course you knew, I'm sure you thought at the time it serves him right. That choice is going to bite you now tho.

@CoastalCalm when I spoke to Santander and I told them regarding the card even they agreed that a blocked card should not be able to be used to make purchases, otherwise what’s the point of blocking it. So that’s where I got confused.
Like I said I’ll offer to pay the money back even if I go without child maintenance for the month if he won’t accept instalments

You need to pay him back. And keep a much stricter control on your cards.

It's your fault. Own it. Crikey you've blamed him several times in this post alone. Grow up. Pay him back and regain the moral high ground.

It’s theft OP. Everything else is completely irrelevant.

@Needtosoundoffandbreathe i have owned it, that’s why I called Santander.
I haven’t blamed him I’ve simply said my thought process at the time.
When I see him on Monday I will tell him face to face. I already text him saying I need to talk to him asap but he hasn’t called back yet

I think you ought to say let's work out who owes who what. Then make a list and present it to him.

The business with the watch makes it sound like you did it on purpose so I'd keep that out of it.

Give him the money back.
Apologise.
Try to get a tighter grip on what is happening with your finances.

Apologise and pay him back immediately. Don’t try to set it off against the cost of a broken watch, wtf

How did you have to go to all that trouble to identify the card. Surely you could just check the card number on the app/ride receipts. Sounds like you knew fine - just pay him back. The watch is a separate issue

He would have difficulty in proving you had an intent.
He uploaded the card onto the system and used the account and did not ask for its removal. So for the credit card company its not fraud. (Same idea as a child going on a shopping spree in an online game)
He could claim theft as you gained a benefit.

You know you used the cards and owe him the money. So you must pay it back.

And you should have the money from the bonus left as he got billed and paid. If not you are spending on credit cards and not keeping track of your total spend or looking at the paperbills when they come in.

He just called, I told him he said he knew I’m not that person and he knows that it was a mistake. He doesn’t want the money back he said.

Take this as a warning to have proper control
of your finances. You could fraud committed against you and not notice.

@liveforsummer i didn’t go to any effort at all.
His card was loaded onto my Uber account ages ago, I have 5/6 cards and I just flick through them to pay for Ubers, I use whatever card goes through as I have several accounts. It was a honest mistake.
My ex called and told me to calm down, he knows me and believes me it was a mistake.

I hope you're going through CMS for the child support payments.

@AnSolas Yes he did upload the card and we both forgot it was there along with the other 5/6 cards I have on there.
I have spoken to him and he believes me, he knows I wouldn’t do that to him I’m not that person.
No I don’t have the money from the bonus - please don’t assume that I do.
It was a debit card not a cc

Did you not wonder at any point when the money wasn't leaving your own account/s?