ITMatt
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No, he didn't have the right to do that. A shopkeeper can only do that if the card has been reported lost or stolen, and to find that out, he would have to contact the number on the back to confirm it's status. Shop owners only do that if these suspect the person with the card, or if has been declined. |
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dunrobin46
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Check with the card issuer. I think they will say the card belongs to them and not to you.
This gives them the right to allow traders representing them to destroy any cards they suspect are being used fraudulently |
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Dory
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They have the right to keep it but can't destroy it without permission from the bank. This also happened to me, I went to straight to the bank and explained what had happened and they phoned the store saying they had no right to do this as they had not been told to do so by the bank. I then had to wait 5 days for a new card to be issued. |
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Mayday
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I believe in most cases yes. When card issuer ask manager to destroy while getting authorisation code then manager has right to do. It is worth destroying it because if end up in hand of thief than you will loose all money and you have no right to recover that money. If shop manager is suspicious than he has right to destroy but if you are nice and prove yourself with identity proving you are the correct person than most of the managers will return your card. There is another way to do is to sign infront of manager and give identification and proof of you signature than no problem. |
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KJ
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The card belongs to the providing bank, not you. As it is not signed the merchants agreement with retailers is that they should take the appropriate action. Just as if a card is declined a retailer may be asked to retain it.
In theory you should be glad though, supposing someone else had found your unsigned card and was trying to use it. |
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Wolfbag
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Good point.
I would suggest that the debit card belongs to the provider or issuing company and not to you, I would further suggest that it could be argued that he is doing this on the authority of the issuing company and is therefore entitled to retain/destroy or generally treat this item as if he had their permission.
I would however suggest that his actions, within your sight and possibly that of other persons, were intended to embarrass and humiliate and his behaviour from this angle would to me be unacceptable and these actions possibly be the reason for reporting the matter to his superiors and/or the issuing plastic provider |
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spring_rainbows
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Yes he does have the right to do that only because the card wasn't signed for. You must sign your card even if your using a chip and pin machine. You could have stolen it from someones mail and trying to pass it as your own. Its a right the store holder has if he suspects fraud or misuse of a card, he has to do it in front of you and other witnesses but he does have the right to do so. Wouldn't you much rather have to phone the bank for a new card then have someone steal your unsigned card and use it as there own, stealing any money you have in your bank and possibily getting you into serious debt?? Simple solution would be to take 1 minute out of your day to sign your cards. |
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PrettyKitty
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Er, as far as I'm aware he had absolutely no right whatsoever to do this. He could have alerted you to the fact that it was unsigned and hand it back, then refuse to serve you, but he shouldn't have taken it.
I would call your bank to clarify this, as I know that cards can be retained if, when swiped, a code comes up saying 'retain card'. But I've never come across this.
If you speak to the bank and he wasn't allowed, I'd be having strong words with him!! |
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daddio
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only ever seen that in the movies. maybe the manager thought he was in one too. for the card only not to be signed seems to be a bit far. i'v had my card refused and handed back to me cause the signature wore off but never cut up. |
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xcarlymeganx
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what an ****!!
NO he does not have the right to cut up ur card!!!!!!!!
he only has the right to refuse the card as payment as it isnt signed!
Once i went 2 pay summat n i had 4 got 2 sign my card, n they just gave me a pen n let me sign it there and then lol!! i cudve been anyone!
(but u use chip n pin now neway so it dont reali matter)
you should sue him or summat 4 cuttin up ur card!!!!!!!!!!!!!!! |
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jackie m
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No they dont - that is theft, they could sign it and use it, do not give it and if you have phone the police. |
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Buddley
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They only have the right to cut uo your if when called the credit card company said you were late than a few times more than once if requested by the card company . If your card was paid up to date and you still had more than enough avaible credit then no on has the right to cut it up.and tuthfully even if it was maxed out yet the payments were up to date then they have no excuse for diu\oing that.
Also you should always sign your cards or write in the space where your signature goes "see Photo ID" that way you are assuring stores etc that this is you thus saving the hassle of thing like that. |
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sambina2
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He did not have the right to do that! You should have done something about it. He can only do that if it is reported stolen or lost. That way he can stop theft. But if you are the owner he should have allowed you to get your ID. |
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Ed
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How would you like if someone took your unsigned card and went on a shopping spree? He did the right thing, and could have saved you a fortune. |
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tyson
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If your card was not signed he has the right not to accept it but has no right to take it from you and cut it up. |
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Scott L
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Their agreement with the card companies |
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BLEHHH
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wow your stupid, you let someone do that....
if anyone tried that with me i wudda slapped them upside the head |
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