Author Topic: PSA: Don't swipe recklessly for others  (Read 445658 times)

Offline LoLo

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Re: PSA: Don't swipe recklessly for others
« Reply #4140 on: December 29, 2020, 05:34:27 PM »
Are you counting the holiday weekend as part of your 5 days?

Online m65

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Re: PSA: Don't swipe recklessly for others
« Reply #4141 on: December 29, 2020, 05:58:23 PM »
Are you counting the holiday weekend as part of your 5 days?
i stand corrected.
posts removed

Offline El Capitan

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Re: PSA: Don't swipe recklessly for others
« Reply #4142 on: January 05, 2021, 03:27:43 PM »
PSA: if you're like me and like to print checks to pdf make sure you backup a copy! I got a check from emb about 2 weeks ago and printed it to a pdf on a usb to print at work and I put the usb in and the file was corrupted. I did cut and paste instead of copy...
So now they're trying to get me another copy but I can't print it so they're trying to figure out the problem but for all you out there here's a way to avoid potential heartache.
Sorry for not updating. BH The matter has been resolved.
South Florida kitchen koshering service for passover AVAILABLE NOW. (646)-428-5459 (WhatsApp)

Offline YossieW

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Re: PSA: Don't swipe recklessly for others
« Reply #4143 on: January 08, 2021, 12:52:16 PM »
i was loaning a friend money multiple times via cc over the last couple of years in amounts i knew i had covered if there was ever an issue, he always paid me me back but most recently skipped town and is defaulting obviusly and i have now heard multiple people are owed money
so i have the money to cover it, i was just wondering if anyone has looked into the legal aspect of disputing the CC charges from the most recent loan which is spread on a couple of cards

Offline lubaby

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Re: PSA: Don't swipe recklessly for others
« Reply #4144 on: January 08, 2021, 12:55:58 PM »
i was loaning a friend money multiple times via cc over the last couple of years in amounts i knew i had covered if there was ever an issue, he always paid me me back but most recently skipped town and is defaulting obviusly and i have now heard multiple people are owed money
so i have the money to cover it, i was just wondering if anyone has looked into the legal aspect of disputing the CC charges from the most recent loan which is spread on a couple of cards
Start reading here:
So I’m getting confused about one point and hoping someone can clarify:
I did give my card to someone in January and gave him permission to use it for a few months. All those bills were paid in full, on time. I texted him in April to stop and close the accounts, and he said he would. Only problem was, he kept using them instead! The bills were still paid on time,except for the final charge which was never paid and citi closed the cards only three weeks after that charge. That June charge was most definitely unauthorized by me, and I have no idea actually what happened, as I can’t reach the person who originally borrowed my cards.
Can I claim the charge was unauthorized, or since I at one point lent him my card I can’t ?

Offline Yo ssi

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Re: PSA: Don't swipe recklessly for others
« Reply #4145 on: January 08, 2021, 12:59:13 PM »
Start reading here:
As well as the links in wiki.
Can't believe it's still happening..

Online Kobe Bryant

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Re: PSA: Don't swipe recklessly for others
« Reply #4146 on: January 08, 2021, 03:32:20 PM »
“Lending” money to “friends” with credit cards is financial Russian roulette.

Offline YossieW

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Re: PSA: Don't swipe recklessly for others
« Reply #4147 on: January 09, 2021, 09:07:38 PM »
i was loaning a friend money multiple times via cc over the last couple of years in amounts i knew i had covered if there was ever an issue, he always paid me me back but most recently skipped town and is defaulting obviusly and i have now heard multiple people are owed money
so i have the money to cover it, i was just wondering if anyone has looked into the legal aspect of disputing the CC charges from the most recent loan which is spread on a couple of cards

i wanted to add a few more details to this, a person who i thought was one of my closest friends asked me if he could borrow some money, it was not a points farm or cc sighnup or anything this was someone who was a friend for years and years
he said he had some jobs lined up in his field of work and needed the money to tie him over until he could finish those and pay me back
as mentioned over the last several years i had helped him out a couple of times and was always paid back pretty close to on time
what i did not realize was this time he went to several other people a couple of months back and asked for the same thing and many other like myself considered him a friend and lent him as well
we then found out this week about 10 days before the loan was due to be paid back that he left town, without letting his family or anyone know until he was gone, which is when i found out that several other people had lent him money, many of which were many times the amount i had lent
as per advice form here and several other people i never lent more then i was prepared to lose which i will if i have to, i was just wondering if anyone had any experience since the transactions were done on a credit card is there any way to legally due a chargeback or should i just eat the loss

Online zale

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Re: PSA: Don't swipe recklessly for others
« Reply #4148 on: January 09, 2021, 09:24:47 PM »
i wanted to add a few more details to this, a person who i thought was one of my closest friends asked me if he could borrow some money, it was not a points farm or cc sighnup or anything this was someone who was a friend for years and years
he said he had some jobs lined up in his field of work and needed the money to tie him over until he could finish those and pay me back
as mentioned over the last several years i had helped him out a couple of times and was always paid back pretty close to on time
what i did not realize was this time he went to several other people a couple of months back and asked for the same thing and many other like myself considered him a friend and lent him as well
we then found out this week about 10 days before the loan was due to be paid back that he left town, without letting his family or anyone know until he was gone, which is when i found out that several other people had lent him money, many of which were many times the amount i had lent
as per advice form here and several other people i never lent more then i was prepared to lose which i will if i have to, i was just wondering if anyone had any experience since the transactions were done on a credit card is there any way to legally due a chargeback or should i just eat the loss

This isn't really the same as the other stories on this thread. In this case you gave your friend a straight up loan to help him get by (A Mitzvah), and he was unable to pay back. You understood the risk when you gave it to him, and decided to give it to him anyway. You could have asked for a collateral or a guarantor, but you decided not to as a friend. It's a very unfortunate situation, but you have to move on. Maybe just maybe he will come into money one day and pay you back, but don't count on it. For now, consider the money tzedaka, which apparently it was.

You can try to charge it back, but you will have to tell the credit card company on what basis you are charging it back. Based on what I've seen upthread, it can backfire.


Online Kobe Bryant

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Re: PSA: Don't swipe recklessly for others
« Reply #4149 on: January 09, 2021, 09:28:40 PM »
i wanted to add a few more details to this, a person who i thought was one of my closest friends asked me if he could borrow some money, it was not a points farm or cc sighnup or anything this was someone who was a friend for years and years
he said he had some jobs lined up in his field of work and needed the money to tie him over until he could finish those and pay me back
as mentioned over the last several years i had helped him out a couple of times and was always paid back pretty close to on time
what i did not realize was this time he went to several other people a couple of months back and asked for the same thing and many other like myself considered him a friend and lent him as well
we then found out this week about 10 days before the loan was due to be paid back that he left town, without letting his family or anyone know until he was gone, which is when i found out that several other people had lent him money, many of which were many times the amount i had lent
as per advice form here and several other people i never lent more then i was prepared to lose which i will if i have to, i was just wondering if anyone had any experience since the transactions were done on a credit card is there any way to legally due a chargeback or should i just eat the loss
You borrowed the money from the bank.

Offline biobook

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Re: PSA: Don't swipe recklessly for others
« Reply #4150 on: January 09, 2021, 10:32:09 PM »
i wanted to add a few more details to this, a person who i thought was one of my closest friends asked me if he a

we then found out this week about 10 days before the loan was due to be paid back that he left town, without letting his family or anyone know until he was gone, which is when i found out that several other people had lent him money, many of which were many times the amount i had lent
Forget the money.  This doesn't sound like a scam, but like someone unable to deal with the sudden realization that they're over their head in debt so they skip town because they don't know how to handle it.  I would worry about his mental health.  Does the family know where he is?

Offline neveryou

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Re: PSA: Don't swipe recklessly for others
« Reply #4151 on: January 09, 2021, 10:40:04 PM »
This isn't really the same as the other stories on this thread. In this case you gave your friend a straight up loan to help him get by (A Mitzvah), and he was unable to pay back. You understood the risk when you gave it to him, and decided to give it to him anyway. You could have asked for a collateral or a guarantor, but you decided not to as a friend. It's a very unfortunate situation, but you have to move on. Maybe just maybe he will come into money one day and pay you back, but don't count on it. For now, consider the money tzedaka, which apparently it was.

You can try to charge it back, but you will have to tell the credit card company on what basis you are charging it back. Based on what I've seen upthread, it can backfire.
I know plenty of people that did chargebacks, never heard of it backfiring, worst case scenario you get the charge put back

The sooner you do the chargeback the better, from what I've seen the people that did the chargeback sooner were more successful than the people that waited to do a chargeback

Online drosenberg88429

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Re: PSA: Don't swipe recklessly for others
« Reply #4152 on: January 09, 2021, 10:46:25 PM »
I know plenty of people that did chargebacks, never heard of it backfiring, worst case scenario you get the charge put back

The sooner you do the chargeback the better, from what I've seen the people that did the chargeback sooner were more successful than the people that waited to do a chargeback

Who is the charge by?

Charging back when you authorized charge is pretty close to straight up geneiva, so I would ask competent LOR first.

Hamakom yemale chisroncha.

Offline Yehudaa

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Re: PSA: Don't swipe recklessly for others
« Reply #4153 on: January 09, 2021, 10:56:31 PM »
i was loaning a friend money multiple times via cc over the last couple of years in amounts i knew i had covered if there was ever an issue, he always paid me me back but most recently skipped town and is defaulting obviusly and i have now heard multiple people are owed money
so i have the money to cover it, i was just wondering if anyone has looked into the legal aspect of disputing the CC charges from the most recent loan which is spread on a couple of cards

I don't know anything disputes, but in case you haven't yet done so, cancel your card or report it lost/stolen asap to prevent your friend from 'borrowing' any more at this point. Especially if he skipped town and has nothing to lose, he may try to 'borrow' some more from people.

Offline gozalim

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Re: PSA: Don't swipe recklessly for others
« Reply #4154 on: January 09, 2021, 11:06:15 PM »
Law ethics and halacha aside, the fact of the smaller scale (individual vs farm) makes it more likely for a chargeback (if valid reason claimed) to br successful.
Will shift the loss to whatever mosad/business/gmach he was swiping by.
(unless he was swiping at his own terminal....)