- This topic has 59 replies, 37 voices, and was last updated 1 year, 4 months ago by
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UI (23M) gave my credit card to a close friend (24F) to use for a while, trusting her. She ended up spending around 97,000 in a single bill cycle, and then another 10,000 in the next. The problem is, she’s now left town without any notice and is not answering my calls or messages.
I’m currently unemployed, and this amount of money is way beyond what I can afford to pay off. I’m at a loss here and don’t know what to do.
Has anyone dealt with something like this before? How can I legally get my money back or take action to protect myself? Any advice or suggestions would be greatly helpful please help . -
DJust file an FIR and tell your CC company that she stole your CC with all the details while you were unaware of it
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UOther way ?
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If you are aware it’s on you.Because you voluntary shared card details and the card
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Your only defense is to tell you did not had the card or authorised those trsanctions-
DExactly your best bet is to state you were unaware of those transactions otherwise the bank won’t be taking any responsibility and you would have to pay it in the end
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UYou are in a mess but you can go to police if she is unreachable stating she committed fraud. Let her parents pay this off.
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Uhe has given her the OTP. no way that she is going to accept to pay it all back. most likely OP was ok with her spending all this money because OP thought she was his gf.
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UYou can try disputing the expense but its unlikely to succeed.
You gave the friend the pin to use the card I assume, so that means you have authorized the transactions.
For now, try converting the balance into an emi. It sucks but at least you’ll be able to manage the expense without getting sacked into the credit card debt trap
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BSimply call your bank and immediately tell them that these are all unauthorised transactions and that somebody misused your credit card without your consent. You might need to go as far as report it stolen if you want to have weight in your case, and also, to prevent further misuse.
And needless to say, if you turn around and say things like, “I don’t want my friend to get into trouble..” etc., and what not, then you’re better off accepting that you’ve lost that money.
The law can only get you back what was stolen from you. If it is found that you had your consent in any shape way or form, that’ll end up being on you.
Without going into technicalities, It’s not gonna be a fun ride to win a case on the merit of, “I did allow her to use it, but not this much”..
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UI’m not talking about otp
After the transaction he would have got an sms saying that amount etc has been spent on this day-
BSo? Receiving a notification of transaction is not considered consent given in a court of law. Plus OP had clearly mentioned that these transactions were done not so far apart from each other with the first one itself being more than 90 % of the contested amount. Are you hard of brain cells or something?
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UNot the right time bro , I just trusted her that she is going to pay it back while saying she’ll be getting a huge payment
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SCheck with her friends and family.
Do text her in all sorts of mediums.
If nothing she replied then
You have to pay a price for your foolishness and stupidity and learnt a lesson for life. Don’t repeat again.I don’t think the police file case in her, instead they can file case on you. If you kabe any known any police or lawyer friends ask them once before filing case.
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UThis is a funny post and the responses are funnier.
The OP shares his card with complete knowledge that the card is being used by someone who isn’t authorized to use it. So it wasn’t stolen.
On top he also shares OTP which the bank has created to secure payment transactions.
And now wants ways to get away from paying the bill.Ans everyone else is busy suggesting him ways how he can get away with his wrong doing.
Had a good laugh 🤣
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UYou have no legal standing here.
When you give away the credit card issued to you for your use only for someone else’s use, you breach the contract with the bank. The bank is not liable for any losses incurred by this action – meaning you can’t dispute any transactions and are fully liable to pay the outstanding balance.
Trying to file a fake case of stolen card will only back fire on you. If the transactions involved PIN or OTP use , then it was obviously not stolen. You can’t simply make a cybercrime complaint about phone being hacked and all that nonsense.
This is the cost of ignorance and careless handling of credit card. You just have to absorb the loses and move on.
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MYou have learnt a valuable lesson on friends, trust and money.
The bank is unlikely to accept that you were unaware of these transactions. The only way forward for you would be to pay the outstanding amount as soon as possible and put this behind you.
If your friend has bought anything, you can ask them to hand over those products to you. You maybe able to resell and recover some money. If she doesnt – well then you can file a complaint of theft of property bought with your money.
Call your bank and figure out how you can repay without the interest hitting you. You may also need to tap your father for an interest free loan to tide you over.
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