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Does this sound right to you lot? | |||
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"Yes" It's legal? | |||
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"Yes" It doesn’t sound right but it’s aloud | |||
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"I wouldn’t be happy with that!" No, nor would I | |||
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"Hypothetical situation alert. Person A takes spouse's debit card into the post office and asks if it's ok to withdraw money using it. Post office person says it is as long as they know the pin.
Does this sound right to you lot?"Yeah of course. Why would someone give the pin to someone they don’t trust? | |||
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"Yes It doesn’t sound right but it’s aloud " Ok, thanks. I suspected as much | |||
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"Hypothetical situation alert. Person A takes spouse's debit card into the post office and asks if it's ok to withdraw money using it. Post office person says it is as long as they know the pin.
Does this sound right to you lot?
Yeah of course. Why would someone give the pin to someone they don’t trust? "Coercive or abusive relationship | |||
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"Hypothetical situation alert. Person A takes spouse's debit card into the post office and asks if it's ok to withdraw money using it. Post office person says it is as long as they know the pin.
Does this sound right to you lot?"Technically it shouldn't | |||
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"No,it's not allowed. The card holder is the only person who is supposed to know the pin, so the person behind the counter shouldn't have allowed the transaction. " From what I'm reading all that means is that if your card is fraudulently used you have no come back | |||
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"Yes It's legal?" I’m no law expert but I know people who do it cause there spouse is too ill to visit the post office / bank in person | |||
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"It is legal to use another card with consent of the owner. It is a breach of the account holders terms and conditions to allow someone else to use it I think." Yes, that seems to be the case from what I'm reading | |||
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"No,it's not allowed. The card holder is the only person who is supposed to know the pin, so the person behind the counter shouldn't have allowed the transaction. From what I'm reading all that means is that if your card is fraudulently used you have no come back" Yes in that you gave permission to use that card, but if that person then withdrew monies you hadn't agreed on. Tough titties  | |||
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"Hypothetical situation alert. Person A takes spouse's debit card into the post office and asks if it's ok to withdraw money using it. Post office person says it is as long as they know the pin.
Does this sound right to you lot?"Nope. | |||
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"I wouldn’t be happy with that! No, nor would I" It seems that by giving the pin you are giving consent, but then leaving yourself open to it being fraudulently used. It’s not illegal but it’s certainly a grey area if not between trusted parties! | |||
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"Yes It's legal? I’m no law expert but I know people who do it cause there spouse is too ill to visit the post office / bank in person " Yes. We used to live next door to a woman who asked me several times to go out and buy her cigs and alcohol on her card (we'll gloss over why she couldn't  ). I didn't because I didn't want to be caught up in all the fall out if she ever was scammed | |||
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"No,it's not allowed. The card holder is the only person who is supposed to know the pin, so the person behind the counter shouldn't have allowed the transaction. From what I'm reading all that means is that if your card is fraudulently used you have no come back Yes in that you gave permission to use that card, but if that person then withdrew monies you hadn't agreed on. Tough titties "It would seem so. It's a bit of a loophole I think | |||
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"Hypothetical situation alert. Person A takes spouse's debit card into the post office and asks if it's ok to withdraw money using it. Post office person says it is as long as they know the pin.
Does this sound right to you lot?"If it involves concent, if concent was given, but it is ultimately down to the person handing it if its a woman and the name on the card is Harry, it may raise a con cert. OH often uses my card - just a bit annoying when she books a trip to the Caribbean for two and I'm not invited | |||
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"Supposing they went to a cash point instead? "Yeah, I thought that. It's the same thing isn't it | |||
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"I wouldn’t be happy with that! No, nor would I It seems that by giving the pin you are giving consent, but then leaving yourself open to it being fraudulently used. It’s not illegal but it’s certainly a grey area if not between trusted parties! " There's a difference between being given the pin and "aquiring" the pin. If your card was used fraudulently and your bank found you had shared your pin you would have a hard job getting your money back. | |||
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"Hypothetical situation alert. Person A takes spouse's debit card into the post office and asks if it's ok to withdraw money using it. Post office person says it is as long as they know the pin.
Does this sound right to you lot?
If it involves concent, if concent was given, but it is ultimately down to the person handing it if its a woman and the name on the card is Harry, it may raise a con cert.
OH often uses my card - just a bit annoying when she books a trip to the Caribbean for two and I'm not invited " | |||
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"I think the OP wants someone to go the shop for them. Lazy buggers "It's raining! If my hair gets wet I'll have to do it all over again and I *need* chocolate. | |||
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"I think the OP wants someone to go the shop for them. Lazy buggers
It's raining! If my hair gets wet I'll have to do it all over again and I *need* chocolate." | |||
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"I think the OP wants someone to go the shop for them. Lazy buggers
It's raining! If my hair gets wet I'll have to do it all over again and I *need* chocolate.
" | |||
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"It is legal to use another card with consent of the owner. It is a breach of the account holders terms and conditions to allow someone else to use it I think." It's legal to withdraw cash from a cash machine using someone else's card (with their permission). But some account T&Cs may prohibit this so while not illegal you would be breaking the T&Cs. If you withdraw cash out over the counter then I don't think it should be allowed by someone other than the card holder - as there is no limit on how much you can draw out. If you use the debit card in a shop then it is deception as you would be claiming to be someone you are not to the shop assistant. | |||
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"Nowdays with contactless anyone could use anyone's card in theory I guess." True | |||
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"It is legal to use another card with consent of the owner. It is a breach of the account holders terms and conditions to allow someone else to use it I think. It's legal to withdraw cash from a cash machine using someone else's card (with their permission). But some account T&Cs may prohibit this so while not illegal you would be breaking the T&Cs. If you withdraw cash out over the counter then I don't think it should be allowed by someone other than the card holder - as there is no limit on how much you can draw out. If you use the debit card in a shop then it is deception as you would be claiming to be someone you are not to the shop assistant." That all sounds entirely reasonable | |||
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"I think the OP wants someone to go the shop for them. Lazy buggers
It's raining! If my hair gets wet I'll have to do it all over again and I *need* chocolate.
"with 45 tap and pay limit. How much chocolate does one girl need? | |||
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"I think the OP wants someone to go the shop for them. Lazy buggers
It's raining! If my hair gets wet I'll have to do it all over again and I *need* chocolate.
with 45 tap and pay limit. How much chocolate does one girl need? "£45 should just about do it... | |||
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"Nowdays with contactless anyone could use anyone's card in theory I guess." Theoretically if you went on a spending spree using contactless on someone else's card then the issuing bank should pick this up as unusual behaviour and automatically block the card. Also why there is a limit on how much can be paid for using contactless. | |||
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"I think the OP wants someone to go the shop for them. Lazy buggers
It's raining! If my hair gets wet I'll have to do it all over again and I *need* chocolate.
with 45 tap and pay limit. How much chocolate does one girl need?
£45 should just about do it..."haha...or get a box delivered by adsa | |||
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"Hypothetical situation alert. Person A takes spouse's debit card into the post office and asks if it's ok to withdraw money using it. Post office person says it is as long as they know the pin.
Does this sound right to you lot?
Yeah of course. Why would someone give the pin to someone they don’t trust?
Coercive or abusive relationship"We know each others pins but that's just the way our relationship works. We also know each others phone pins. I think rather than an abusive relationship this would indicate a more supportive relationship where maybe the spouce is housebound. If they were in a controlling/abusive relationship then pin numbers would not be an issue and I doubt the abuser would even be as considerate to ask if they could use it. | |||
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"Hypothetical situation alert. Person A takes spouse's debit card into the post office and asks if it's ok to withdraw money using it. Post office person says it is as long as they know the pin.
Does this sound right to you lot?"M had power of attorney for his father, who used a small local post office, where everyone knew the whole family. He often had to draw money from his father's account to pay small bills. He carried the EPA just in case, but it was never a problem. I suspect that's not quite the situation you're questioning though.... E | |||
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"I think the OP wants someone to go the shop for them. Lazy buggers
It's raining! If my hair gets wet I'll have to do it all over again and I *need* chocolate.
with 45 tap and pay limit. How much chocolate does one girl need?
£45 should just about do it... haha...or get a box delivered by adsa "Asda! Montezuma's dahling  | |||
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"No it most definitely isn't. The only way you can use someone else's card is via a lasting power of attorney for property and finance. Unfortunately banks and post offices do not understand how these work. It is also fraud if the person who owns the card has lost capacity even if it is a joint account. It is also fraud if the joint account holder withdraws from a joint account with someone who lacks capacity. " Spouse is the key part here. In the eyes of the law, you cannot steal from your spouse, as each others assets become joint property. The circumstances around this aren't clear, neither is why your asking, but if a problem has arisen, legal advice is best provided by a legal professional. | |||
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"No it most definitely isn't. The only way you can use someone else's card is via a lasting power of attorney for property and finance. Unfortunately banks and post offices do not understand how these work. It is also fraud if the person who owns the card has lost capacity even if it is a joint account. It is also fraud if the joint account holder withdraws from a joint account with someone who lacks capacity. Spouse is the key part here. In the eyes of the law, you cannot steal from your spouse, as each others assets become joint property. The circumstances around this aren't clear, neither is why your asking, but if a problem has arisen, legal advice is best provided by a legal professional. " No problem has arisen . In the highly unlikely event that it did legal advice would be my first port of call | |||
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"The bank would not approve and could cancel the card. This happened to a friend of mine and the police said it was a 'civil matter'. " Interesting ... | |||
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"Yes It's legal?" Yes no laws are broken if you have permission, but both the cardholder and merchant have breached Ts and Cs. If you don’t have permission they the purchaser has committed fraud and likely theft as well | |||
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"Tough one and I am not entirely comfortable with it. That said, I have done it myself asking one of my kids to get cash for me from the machine... same thing I guess? " It doesn't sit well with me either. If I took a cheque into the bank made out to cash and signed by another person would they cash it? | |||
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"No it most definitely isn't. The only way you can use someone else's card is via a lasting power of attorney for property and finance. Unfortunately banks and post offices do not understand how these work. It is also fraud if the person who owns the card has lost capacity even if it is a joint account. It is also fraud if the joint account holder withdraws from a joint account with someone who lacks capacity. Spouse is the key part here. In the eyes of the law, you cannot steal from your spouse, as each others assets become joint property. The circumstances around this aren't clear, neither is why your asking, but if a problem has arisen, legal advice is best provided by a legal professional. No problem has arisen . In the highly unlikely event that it did legal advice would be my first port of call"You wouldn't ask a group of total strangers on a swingers forum for legal advice? How hurtful.
E | |||
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"If you tried to use it in the issuing bank they would take it off you. I know that because when I used my son's card to deposit money in his bank for him the cashier said she's supposed to take it off me, as I wasn't supposed to know his pin, but she let me off and said use the paying in machine next time. I also saw a supermarket checkout operator take one from a woman once as she was using her husband's card. " Do supermarket workers have that authority? | |||
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"Tough one and I am not entirely comfortable with it. That said, I have done it myself asking one of my kids to get cash for me from the machine... same thing I guess? It doesn't sit well with me either. If I took a cheque into the bank made out to cash and signed by another person would they cash it?" You see I don't think they would - it has been a long time since I have used cheques though! | |||
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"Nowdays with contactless anyone could use anyone's card in theory I guess. Theoretically if you went on a spending spree using contactless on someone else's card then the issuing bank should pick this up as unusual behaviour and automatically block the card. Also why there is a limit on how much can be paid for using contactless." While on holiday this year (in the UK ) I did 3 contactless payments, but for the 4th purchase it refused it and asked for my pin no to be entered with the keypad. But when in my home area it's never asked for the pin no. so it must have triggered a warning the card was not in its usual area. | |||
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"No,it's not allowed. The card holder is the only person who is supposed to know the pin, so the person behind the counter shouldn't have allowed the transaction. From what I'm reading all that means is that if your card is fraudulently used you have no come back" If card holder hasn't given permission for that particular transaction then contact bank and do a re claim as a fraudulent transaction it will be reported as theft though  | |||
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"Tough one and I am not entirely comfortable with it. That said, I have done it myself asking one of my kids to get cash for me from the machine... same thing I guess? It doesn't sit well with me either. If I took a cheque into the bank made out to cash and signed by another person would they cash it?You see I don't think they would - it has been a long time since I have used cheques though!" I haven't used a cheque for ages either. I don't think they would either but what do I know? | |||
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"Do supermarket workers have that authority? " In theory, a merchant can, on instruction of the bank, retain a card. It's most likely in their terms and conditions with the bank. However, if the card belongs to the spouse, then I don't think there is a problem in the way the card is being used. | |||
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