W
Worried
Guest
I am asking this question on behalf of a friend who is in a very sticky situation.
A family member was an authorised user on his credit card, and slowly but surely fell behind with his payments. The total amount was debited each month from my friends card, so he listed a statement and requested payment. However, the balance was disputed as the person did not realise they owed so much and nothing has been paid back by the family member.
My friend called the credit card hotline and cancelled the card over Christmas so at least nothing else could be purchased. Anyway, this months statement arrived and the card has still been used throughout January despite it being cancelled. VISA could not give an explanation but could see clearly on their screen that the card had
been cancelled. The family member managed to spend another €500 on the account!
My friend has paid the full amount back to VISA and now the family member owes €5,000, which is my friends house deposit.
My friend is very upset over the money outstanding but also over the fallout with the family member, but it seems pretty obvious the debt is not going to be repaid. He tried to approach the person in a calm manner, but the person who is very pig headed would not listen and tore up all the statements.
Now it is a stalemate situation and my friend is out of pocket by €5,000 for over six months.
Has this happened to anyone else, and can anyone give me some advice.
PS Never let anyone be an authorised user on your card
A family member was an authorised user on his credit card, and slowly but surely fell behind with his payments. The total amount was debited each month from my friends card, so he listed a statement and requested payment. However, the balance was disputed as the person did not realise they owed so much and nothing has been paid back by the family member.
My friend called the credit card hotline and cancelled the card over Christmas so at least nothing else could be purchased. Anyway, this months statement arrived and the card has still been used throughout January despite it being cancelled. VISA could not give an explanation but could see clearly on their screen that the card had
been cancelled. The family member managed to spend another €500 on the account!
My friend has paid the full amount back to VISA and now the family member owes €5,000, which is my friends house deposit.
My friend is very upset over the money outstanding but also over the fallout with the family member, but it seems pretty obvious the debt is not going to be repaid. He tried to approach the person in a calm manner, but the person who is very pig headed would not listen and tore up all the statements.
Now it is a stalemate situation and my friend is out of pocket by €5,000 for over six months.
Has this happened to anyone else, and can anyone give me some advice.
PS Never let anyone be an authorised user on your card