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? |
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By (user no longer on site)
over a year ago
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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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No not really because someone could have been mugged for the card and forced to hand over the pin. A child could take a card and have found the pin letter or whatever. Million scenarios as to why its not 'OK'. However, many people do let other use them. I know when travelling on business my director would just give me his card and pin so I could pay for anything. So, bit of a grey area I guess.
I just realised I didn't answer this very well. haha |
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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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By *HaRiFMan
over a year ago
Beyond the shadows. |
"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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"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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"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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By (user no longer on site)
over a year ago
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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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"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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By (user no longer on site)
over a year ago
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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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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. |
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I know a couple of people that have had money withdrawn from their accounts. One a partner that was a compulsive gambler. And the other was a son who is a drug addict. And though I was hard done by living with an alcoholic. |
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By * Plus ECouple
over a year ago
The South |
"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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By *rHotNottsMan
over a year ago
Dubai & Nottingham |
"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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It is not illegal to give someone else your card and your pin. I had my partners card when he was terminally ill as he couldn't get out.
The problem is if you do this and they steal from you then you have no legal backup to get your money back as you handed them the card and the pin.
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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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By *ad NannaWoman
over a year ago
East London |
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.
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By * Plus ECouple
over a year ago
The South |
"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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By *phroditeWoman
over a year ago
(She/ her) in Sensualityland |
"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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By (user no longer on site)
over a year ago
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Iv been in similar situation at the bank.
At the beginning of the pandemic Ash was told she shied and we needed to pay a cheque into his account and was told as long as I knew his pin I could pay it in.
Also my sister used to withdraw cash from the bank for my dad and even though she was meant show proof of permission (she had power of attorney) she was never asked.
I'm assuming that it is assumed the person has permission as they been given the pin but there is probably a cap on the amount. |
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By (user no longer on site)
over a year ago
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Funny isn't it how chip and pin was suppsed to make card transactions safer and more secure than the old method of using ones signature and yet this scenario just goes to prove that it's all bollocks.
Before chip and pin, it would not be possible for a spouse or other person to use someone elses card to pay for something, because, clearly, their signatures would not match.
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By (user no longer on site)
over a year ago
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I’d say no.
I went to pay money into my daughter’s account and she gave me her card to do so.
I went up to the counter and simply handed over the card and said I’d like to put this money in that account.
They took the card off me!
That was Nat west for the record.
They said I was not allowed to be in possession of her card. |
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