What say you?

[youhavenoidea]

If someone, a giant asshat someone, was being as big a jerk as could possibly be imagined, and was screwing you over for multiple thousands of dollars, and you happened to have a credit card they once gave you in your possession . . . And you happened to know it was still active, and that aside from that person TRYING to take you to small claims court later, there would be nothing legally amiss with doing it . . .

Would you go shopping? Like in a big dirty, orgasmic spending kind of way?

 

[Labyrinth]

Probably not. If your name is on the card you'd be liable for the debt as well, and if you're not on the card he could probably take legal action for unauthorized use of the card.

 

[Buddy'sParents]

Nope.

 

[Romy]

That would be oh so tempting.....I'd probably go with buying a bunch of visa gift cards though...so as not to have any traceable purchases (like paco collars )

ETA: I'm a chicken though, and it isn't really right even though he isn't doing right by you...

 

[youhavenoidea]

"Hypotetically" (since this is a "hypothetical" situation ), multiple fraud detectives have been contacted, and have confirmed that in such a situation, possession of the crad, and knowledge of all pertinent details relating to it, imply and prove authorization of use, and absolutely nothing criminal can be done about it. For that matter, one would "hypothetically" be within their rights to use it, and would risk only a very weak civil lawsuit with little to no chance of success - worst case scenario.

 

[96 GTS]

I'd say do it. I know how much he's screwed you. I know that you likely wouldn't even be breakng even. Go for it.

Hypotheticaly, of course.

 

[Angel Chicken]

I don't know how much he's screwed you over, but I have to agree with 96.

 

[youhavenoidea]

I'd say do it. I know how much he's screwed you. I know that you likely wouldn't even be breakng even. Go for it.

Hypotheticaly, of course.

Hypothetically, yes, you are correct. One would not be out for blood or sport, but merely be being creative with reclaiming what is owed.

Possibly in the form of a big ass TV.

In this land of make-believe.

 

[Renee750il]

Understand that law enforcement officers don't generally have any real knowledge of law. They know the rules they get told to enforce, but they don't make the calls on who to arrest for what. The DAs do that. Getting your legal advice from a cop is only marginally better than getting it from your cell mate. They may not mean to mislead you, but that's what it is.

It's also practicing law without a license.

IF I were hypothetically in that sort of situation, I would be asking an attorney and, pending his advice as to what my liabilities were, if there were reasonably no feasible liabilities, I think I'd use the card to pay off as much of the debt I'd been stuck with as possible rather than purchasing anything.

 

[Gustav]

Understand that law enforcement officers don't generally have any real knowledge of law. They know the rules they get told to enforce, but they don't make the calls on who to arrest for what. The DAs do that. Getting your legal advice from a cop is only marginally better than getting it from your cell mate. They may not mean to mislead you, but that's what it is.

It's also practicing law without a license.

IF I were hypothetically in that sort of situation, I would be asking an attorney and, pending his advice as to what my liabilities were, if there were reasonably no feasible liabilities, I think I'd use the card to pay off as much of the debt I'd been stuck with as possible rather than purchasing anything.

Spoilsport!

Surely one or three pairs of Chanel, Prada, or Manolo's wouldn't hurt.. Huh??!!

 

[youhavenoidea]

Spoilsport!

Surely one or three pairs of Chanel, Prada, or Manolo's wouldn't hurt.. Huh??!!

Bwahahahahaha!

 

[Gustav]

Hey I was being reasonable, I could have gone for 6 pairs.. I like my money where I can see it.. In my wardrobe!!

 

[youhavenoidea]

Hey I was being reasonable, I could have gone for 6 pairs.. I like my money where I can see it.. In my wardrobe!!

Can't say I disagree. Wardrobe, living room, garage . . . All good places for money.

 

[Gustav]

Hmm, I must admit to have spending an awful lot more on shoes over the years than I have on my transportation.. Whoops.. I suppose it is transportation of sorts.. My shoes get me around outside the house! LOL!

 

[Snip]

The other thought that I've had, is it may not be HIM that tries to recover the money, but the cc company. And they have pretty good lawyers, and really deep pockets to pay them with.....so I would really be certain of what one does before fooling with them.....

 

[youhavenoidea]

The other thought that I've had, is it may not be HIM that tries to recover the money, but the cc company. And they have pretty good lawyers, and really deep pockets to pay them with.....so I would really be certain of what one does before fooling with them.....

That would definitely be something to consider.

Cardholder still has responsibility with being liberal with their information and use of their card though no? I would think the only time the situation you describe would crop up would be in a case of theft wouldn't it? The scenario, "for the purposes of the thread" is certainly not a case of theft, and couldn't be proven as such.

Not being argumentative - just liking the different insight.

 

[Renee750il]

Spoilsport!

Surely one or three pairs of Chanel, Prada, or Manolo's wouldn't hurt.. Huh??!!

Yah, but they don't go well with prison garb

 

[Gustav]

Yah, but they don't go well with prison garb

You can take away my freedom, but you will be prising my shoes out of my rigor-mortis stiffened fingers...

 

[Snip]

If the card has been inactive for a while, or is used differently from it's normal routine, the card company may also shut it down, or not allow any purchases to be processed. I had a card I hadn't used in some time, decided I was going to use it for a major purchase followed by two smaller ones (related accessories.) With the major purchase, it wouldn't go through without a phone call to the company, which was accompanied by several questions and the like.

Next stop, later the same day, the card wouldn't work. Made another call to the company, with LOTs of questions from them about myself and what was going on. Took about 5 minutes, and they finally cleared my card good to go...the concern at their end was the card had been stolen and was being used by someone else.

If this 'hypothetical' person owes money, as long as it's under 10K here in Ontario, small claims court is a valid and economical process. I actually have a case going through that system right now, for a customer that decided not to pay for services we performed.

 

[vanillasugar]

I wish I could say yes, a shopping spree would be awesome... but no matter how big of a hypothetical scumbag we're dealing with, I don't think I could or would do it.