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16 Feb 05 - 10:44 AM (#1411754) Subject: BS: credit card fraud (UK) From: pixieofdoom Does anyone happen to know what the law is on using a persons credit card for an online purchase with their consent/on their behalf. Is that fraudulent given that you are not the named card holder, or is fraud only without their consent? It's an issue that's come up at work and I was curious |
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16 Feb 05 - 11:23 AM (#1411822) Subject: RE: BS: credit card fraud (UK) From: mack/misophist "On their behalf" is not the same as "with their consent". If you have consent there won't be any complaint, so the issue is moot. I imagine it's legal, though. It's what happens every time a parent lets the kid use the credit card, isn't it? |
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16 Feb 05 - 11:31 AM (#1411845) Subject: RE: BS: credit card fraud (UK) From: GUEST,Mr Red (in barrack room lwyer mode) with consent - is meaningless if you don't have proof. Written or witnessed. Then again, "card holder not present" is strictly speaking the responsibility of the vendor, but once the police are involved - fraud is the crime, not theft. Fraud is defined (legally) as "obtaining money by deception". Maybe using a credit card is in that category. |
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16 Feb 05 - 11:33 AM (#1411848) Subject: RE: BS: credit card fraud (UK) From: John MacKenzie I'm sure that it's illegal. Giok |
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16 Feb 05 - 11:43 AM (#1411865) Subject: RE: BS: credit card fraud (UK) From: Mrs.Duck Just because something is illegal doesn't mean it doesn't happen. With the latest introduction of chip and pin such things are bound to become more common. I gather they have been around for a while in the US but until very recently here the cardholder neede to be present in a shop to sign the credit card receipt. You would have a very hard time proving that you hadn't been the one to enter credit card details online. Personally I wouldn't let any of my kids within a hundred yards of my cards. Presumably if someone was using a card with your permission you wouldn't query it although the contract would technically be void if the seller believes they are dealing with the card holder. However if they send you goods in good faith it would be the card holders responsibility as they should keep the card from others or report it missing. |
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16 Feb 05 - 11:45 AM (#1411867) Subject: RE: BS: credit card fraud (UK) From: Morticia Pixie, put down that credit card........and that nice gentleman to whom it belongs......now back slowly toward the door with your hands in plain view.......move along folks, nothing to see here. |
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16 Feb 05 - 12:00 PM (#1411894) Subject: RE: BS: credit card fraud (UK) From: pixieofdoom But Jane just said they can't prove a thing........... |
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16 Feb 05 - 12:37 PM (#1411940) Subject: RE: BS: credit card fraud (UK) From: Richard Bridge Why not ask a lawyer (insert lawyer joke...) |
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16 Feb 05 - 08:30 PM (#1412552) Subject: RE: BS: credit card fraud (UK) From: McGrath of Harlow I'm pretty sure - without being a lawyer - that, if you let someone have your credit card that would be seen as implying consent. I doubt if there's anything illegal in using it under those circumstances. I would think this would apply, even if the credit card comopany had rules against it - those rules wouldn't have the force of law, and any penalty (such as cancelling the card) would fall on the cardholder rather than the person to whom they lent it. |