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UK diy (uk.d-i-y) For the discussion of all topics related to diy (do-it-yourself) in the UK. All levels of experience and proficency are welcome to join in to ask questions or offer solutions. |
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#1
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Credit card receipt
I'm asking here because people here know everything, and an online search hasn't produced a clear answer. My wife paid by credit card in a small local shop. She looked at the receipt when she got home and noticed that it said Merchant Copy and had the full credit card number, plus start and end date. I don't believe it had the security number from the back or, of course, her Pin number. She became alarmed (nothing new) and expected me to know whether the business could be trusted not to spend all her money using phone payments. She says the owner is a nice man. It looks as though this may be fairly normal to allow businesses to make refunds, provided the receipts are held securely under lock and key and destroyed securely after a certain, unspecified, time. Does anyone know whether the law in the UK is specific about holding the unencrypted, printed data locally, and whether there is any financial danger. -- Bill |
#2
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Credit card receipt
On 13/11/2017 23:31, Bill wrote:
I'm asking here because people here know everything, and an online search hasn't produced a clear answer. My wife paid by credit card in a small local shop. She looked at the receipt when she got home and noticed that it said Merchant Copy and had the full credit card number, plus start and end date. I don't believe it had the security number from the back or, of course, her Pin number. She became alarmed (nothing new) and expected me to know whether the business could be trusted not to spend all her money using phone payments. She says the owner is a nice man. It looks as though this may be fairly normal to allow businesses to make refunds, provided the receipts are held securely under lock and key and destroyed securely after a certain, unspecified, time. Does anyone know whether the law in the UK is specific about holding the unencrypted, printed data locally, and whether there is any financial danger. It isn't that long ago that credit card (and debit card) transactions were done by an 'imprint' machine and the shop kept a 'carbon copy' of your receipt which had all the embossed bits of your card on it. I've not seen one in some time but then nor have I signed a credit card bill in the UK for years, yet I was asked to in the US a year or so back (ie no PIN) so there could still be imprint machines out there. Also, you give the same details - plus the three digits from the back- when you do a phone transaction or online transaction. -- Suspect someone is claiming a benefit under false pretences? Incapacity Benefit or Personal Independence Payment when they don't need it? They are depriving those in real need! https://www.gov.uk/report-benefit-fraud |
#3
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Credit card receipt
On Tue, 14 Nov 2017 00:23:50 +0000
Brian Reay wrote: I've not seen one in some time but then nor have I signed a credit card bill in the UK for years, yet I was asked to in the US a year or so back (ie no PIN) so there could still be imprint machines out there. Now many years ago, but I once paid a speeding fine sitting in a police car like that. Back in the days of '55', the offence was 'Energy Speed', meaning that it was safe, but the State had to comply with the National Speed Limit if it wanted to receive Federal Funding. -- Davey. |
#4
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Credit card receipt
On 14/11/2017 00:38, Davey wrote:
On Tue, 14 Nov 2017 00:23:50 +0000 Brian Reay wrote: I've not seen one in some time but then nor have I signed a credit card bill in the UK for years, yet I was asked to in the US a year or so back (ie no PIN) so there could still be imprint machines out there. Now many years ago, but I once paid a speeding fine sitting in a police car like that. Back in the days of '55', the offence was 'Energy Speed', meaning that it was safe, but the State had to comply with the National Speed Limit if it wanted to receive Federal Funding. Mine was for petrol ('gas') on remote road between Yosemite and Death Valley. It was like a town from a 1950s film. People we very friendly etc (as always in the US) but just a huge contrast to places like LA, San Diego etc. Not long before a huge brown bear had run across the road in front of the car. -- Suspect someone is claiming a benefit under false pretences? Incapacity Benefit or Personal Independence Payment when they don't need it? They are depriving those in real need! https://www.gov.uk/report-benefit-fraud |
#5
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Credit card receipt
"Brian Reay" wrote in message news On 14/11/2017 00:38, Davey wrote: On Tue, 14 Nov 2017 00:23:50 +0000 Brian Reay wrote: I've not seen one in some time but then nor have I signed a credit card bill in the UK for years, yet I was asked to in the US a year or so back (ie no PIN) so there could still be imprint machines out there. Now many years ago, but I once paid a speeding fine sitting in a police car like that. Back in the days of '55', the offence was 'Energy Speed', meaning that it was safe, but the State had to comply with the National Speed Limit if it wanted to receive Federal Funding. Mine was for petrol ('gas') on remote road between Yosemite and Death Valley. It was like a town from a 1950s film. People we very friendly etc (as always in the US) but just a huge contrast to places like LA, San Diego etc. Not long before a huge brown bear had run across the road in front of the car. Suspect someone is claiming a benefit under false pretences? Incapacity Benefit or Personal Independence Payment when they don't need it? They are depriving those in real need! https://www.gov.uk/report-benefit-fraud shame you weren't its lunch ....good eating there on the belly .... |
#6
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Credit card receipt
On Tue, 14 Nov 2017 00:23:50 +0000, Brian Reay wrote:
On 13/11/2017 23:31, Bill wrote: I'm asking here because people here know everything, and an online search hasn't produced a clear answer. My wife paid by credit card in a small local shop. It isn't that long ago that credit card (and debit card) transactions were done by an 'imprint' machine and the shop kept a 'carbon copy' of your receipt which had all the embossed bits of your card on it. I've not seen one in some time but then nor have I signed a credit card bill in the UK for years, yet I was asked to in the US a year or so back (ie no PIN) so there could still be imprint machines out there. I think it was about 18 months to two years ago that I last used that method , first time for years . Was at a show of some kind and the merchant could no get a cellular signal for his electronic terminal so brought the old machine out. I didn't realise they could still do this and judging by in similar circumstances the number of traders who put up a "Sorry Cash" only notice a lot of traders either don't either or there are hoops and risks to go through to retain it which many don't want to be involved with. G.Harman |
#7
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Credit card receipt
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#8
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Credit card receipt
On Tuesday, 14 November 2017 00:56:43 UTC, wrote:
Was at a show of some kind and the merchant could no get a cellular signal for his electronic terminal so brought the old machine out. I didn't realise they could still do this and judging by in similar circumstances the number of traders who put up a "Sorry Cash" only notice a lot of traders either don't either or there are hoops and risks to go through to retain it which many don't want to be involved with. If a transaction is chip and pin verified the trader has almost no risk the trasaction will be reversed. For manual imprint transactions the trader carries a large risk and is also supposed to obtain telephone authorisation for anything over the 'floor limit'. Owain |
#9
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Credit card receipt
"Bill" wrote in message ... I'm asking here because people here know everything, and an online search hasn't produced a clear answer. My wife paid by credit card in a small local shop. She looked at the receipt when she got home and noticed that it said Merchant Copy and had the full credit card number, plus start and end date. I don't believe it had the security number from the back or, of course, her Pin number. She became alarmed (nothing new) and expected me to know whether the business could be trusted not to spend all her money using phone payments. She says the owner is a nice man. It looks as though this may be fairly normal to allow businesses to make refunds, provided the receipts are held securely under lock and key and destroyed securely after a certain, unspecified, time. Does anyone know whether the law in the UK is specific about holding the unencrypted, printed data locally, and whether there is any financial danger. If it was a paky corner shop look out for ten and twenty pound phone top ups appearing on your bill.......never trust a Muslim because you are the infidel and are there to be exploited...... |
#10
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Credit card receipt
On Tuesday, November 14, 2017 at 8:06:11 AM UTC, Jim GM4DHJ ... wrote:
"Bill" wrote in message ... I'm asking here because people here know everything, and an online search hasn't produced a clear answer. My wife paid by credit card in a small local shop. She looked at the receipt when she got home and noticed that it said Merchant Copy and had the full credit card number, plus start and end date. I don't believe it had the security number from the back or, of course, her Pin number. She became alarmed (nothing new) and expected me to know whether the business could be trusted not to spend all her money using phone payments. She says the owner is a nice man. It looks as though this may be fairly normal to allow businesses to make refunds, provided the receipts are held securely under lock and key and destroyed securely after a certain, unspecified, time. Does anyone know whether the law in the UK is specific about holding the unencrypted, printed data locally, and whether there is any financial danger. If it was a paky corner shop look out for ten and twenty pound phone top ups appearing on your bill.......never trust a Muslim because you are the infidel and are there to be exploited...... What an egregious post. You really should be reported to the race relations people |
#11
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Credit card receipt
wrote in message ... On Tuesday, November 14, 2017 at 8:06:11 AM UTC, Jim GM4DHJ ... wrote: "Bill" wrote in message ... I'm asking here because people here know everything, and an online search hasn't produced a clear answer. My wife paid by credit card in a small local shop. She looked at the receipt when she got home and noticed that it said Merchant Copy and had the full credit card number, plus start and end date. I don't believe it had the security number from the back or, of course, her Pin number. She became alarmed (nothing new) and expected me to know whether the business could be trusted not to spend all her money using phone payments. She says the owner is a nice man. It looks as though this may be fairly normal to allow businesses to make refunds, provided the receipts are held securely under lock and key and destroyed securely after a certain, unspecified, time. Does anyone know whether the law in the UK is specific about holding the unencrypted, printed data locally, and whether there is any financial danger. If it was a paky corner shop look out for ten and twenty pound phone top ups appearing on your bill.......never trust a Muslim because you are the infidel and are there to be exploited...... What an egregious post. You really should be reported to the race relations people only stating what happened to me and why when I once bought petrol on a card at a paki petrol station ....... |
#12
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Credit card receipt
In article ,
Jim GM4DHJ ... wrote: If it was a paky corner shop look out for ten and twenty pound phone top ups appearing on your bill.......never trust a Muslim because you are the infidel and are there to be exploited...... What an egregious post. You really should be reported to the race relations people only stating what happened to me and why when I once bought petrol on a card at a paki petrol station ....... How do you know who owns a petrol station? If you mean the cashier, how can you be sure to find one which isn't manned by such a person? -- *WHY IS IT CALLED TOURIST SEASON IF WE CAN'T SHOOT AT THEM? Dave Plowman London SW To e-mail, change noise into sound. |
#13
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Credit card receipt
"Dave Plowman (News)" wrote in message ... In article , Jim GM4DHJ ... wrote: If it was a paky corner shop look out for ten and twenty pound phone top ups appearing on your bill.......never trust a Muslim because you are the infidel and are there to be exploited...... What an egregious post. You really should be reported to the race relations people only stating what happened to me and why when I once bought petrol on a card at a paki petrol station ....... How do you know who owns a petrol station? If you mean the cashier, how can you be sure to find one which isn't manned by such a person? I know these things ...... |
#14
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Credit card receipt
In article ,
Jim GM4DHJ ... wrote: If it was a paky corner shop look out for ten and twenty pound phone top ups appearing on your bill.......never trust a Muslim because you are the infidel and are there to be exploited...... In the same way as nicking land from your neighbour? ;-) -- *If you think nobody cares about you, try missing a couple of payments * Dave Plowman London SW To e-mail, change noise into sound. |
#15
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Credit card receipt
"Dave Plowman (News)" wrote in message ... In article , Jim GM4DHJ ... wrote: If it was a paky corner shop look out for ten and twenty pound phone top ups appearing on your bill.......never trust a Muslim because you are the infidel and are there to be exploited...... In the same way as nicking land from your neighbour? ;-) you mean building me a fence? ... |
#17
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Credit card receipt
On 14/11/2017 10:16, Jethro_uk wrote:
On Mon, 13 Nov 2017 23:31:42 +0000, Bill wrote: In theory, you should never let your card out of your hand. But there are some smaller retailers where it's "arranged" that the cashier has to take your card to put in the machine. I've heard this advice many times but its not only "smaller retailers" it is "every" restaurant chain in the US that disappears with your card for 5 minutes when making up the final payments slip. -- Chris B (News) |
#18
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Credit card receipt
On Tuesday, November 14, 2017 at 10:29:58 AM UTC, Chris B wrote:
On 14/11/2017 10:16, Jethro_uk wrote: On Mon, 13 Nov 2017 23:31:42 +0000, Bill wrote: In theory, you should never let your card out of your hand. But there are some smaller retailers where it's "arranged" that the cashier has to take your card to put in the machine. I've heard this advice many times but its not only "smaller retailers" it is "every" restaurant chain in the US that disappears with your card for 5 minutes when making up the final payments slip. -- Chris B (News) But surely they still need your pin? When processing a transaction once the customer hs entered the pin tha card and pin are checked and if ok a clearance code given. |
#19
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Credit card receipt
On 14/11/2017 11:06, fred wrote:
On Tuesday, November 14, 2017 at 10:29:58 AM UTC, Chris B wrote: On 14/11/2017 10:16, Jethro_uk wrote: On Mon, 13 Nov 2017 23:31:42 +0000, Bill wrote: In theory, you should never let your card out of your hand. But there are some smaller retailers where it's "arranged" that the cashier has to take your card to put in the machine. I've heard this advice many times but its not only "smaller retailers" it is "every" restaurant chain in the US that disappears with your card for 5 minutes when making up the final payments slip. -- Chris B (News) But surely they still need your pin? In the states PINs don't come into it - they still use signatures on paper. (I think PINs might be slowly coming in but when I was last there in 2016 I never used the PIN once). They disappear with your card. Come back with a chit for basic cost of the meal. You add the tip and sign. (usually 2 copies one for them and one for you). They collect the chit with the final amount you have authorised. You walk out. When processing a transaction once the customer hs entered the pin tha card and pin are checked and if ok a clearance code given. -- Chris B (News) |
#20
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Credit card receipt
In article ,
Chris B wrote: On 14/11/2017 10:16, Jethro_uk wrote: On Mon, 13 Nov 2017 23:31:42 +0000, Bill wrote: In theory, you should never let your card out of your hand. But there are some smaller retailers where it's "arranged" that the cashier has to take your card to put in the machine. I've heard this advice many times but its not only "smaller retailers" it is "every" restaurant chain in the US that disappears with your card for 5 minutes when making up the final payments slip. A local pub/restaurant takes your card from you when you arrive. Seems that is getting common. -- *Jokes about German sausage are the wurst.* Dave Plowman London SW To e-mail, change noise into sound. |
#21
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Credit card receipt
On 14/11/2017 11:28, Dave Plowman (News) wrote:
A local pub/restaurant takes your card from you when you arrive. Seems that is getting common. Do you mean to "pre-authorize" - in the same way that most hotels do when you book in? If so, I can't recall when it was last done otherwise than in front of me - usually with a wireless card terminal. -- Robin reply-to address is (intended to be) valid |
#22
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Credit card receipt
In article ,
Robin wrote: On 14/11/2017 11:28, Dave Plowman (News) wrote: A local pub/restaurant takes your card from you when you arrive. Seems that is getting common. Do you mean to "pre-authorize" - in the same way that most hotels do when you book in? If so, I can't recall when it was last done otherwise than in front of me - usually with a wireless card terminal. They take your card and put it in a locker. And give you the (a) key. When you wish to pay the bill you present the key and they get your card for you. This was when having a meal outside in the garden. The pub is very close to Wandsworth prison, so perhaps they get some dodgy people in there. ;-) -- *I went to school to become a wit, only got halfway through. Dave Plowman London SW To e-mail, change noise into sound. |
#23
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Credit card receipt
In article ,
Dave Plowman (News) wrote: In article , Robin wrote: On 14/11/2017 11:28, Dave Plowman (News) wrote: A local pub/restaurant takes your card from you when you arrive. Seems that is getting common. Do you mean to "pre-authorize" - in the same way that most hotels do when you book in? If so, I can't recall when it was last done otherwise than in front of me - usually with a wireless card terminal. They take your card and put it in a locker. And give you the (a) key. When you wish to pay the bill you present the key and they get your card for you. This was when having a meal outside in the garden. The pub is very close to Wandsworth prison, so perhaps they get some dodgy people in there. ;-) we're some miles from that particular prison, but the same applies. At the end the usual question is "do you wish to use this card to pay your bill?" -- from KT24 in Surrey, England |
#24
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Credit card receipt
In article , Dave Plowman (News)
wrote: In article , Chris B wrote: On 14/11/2017 10:16, Jethro_uk wrote: On Mon, 13 Nov 2017 23:31:42 +0000, Bill wrote: In theory, you should never let your card out of your hand. But there are some smaller retailers where it's "arranged" that the cashier has to take your card to put in the machine. I've heard this advice many times but its not only "smaller retailers" it is "every" restaurant chain in the US that disappears with your card for 5 minutes when making up the final payments slip. A local pub/restaurant takes your card from you when you arrive. Seems that is getting common. Has been for many years if you want to run a tab. -- from KT24 in Surrey, England |
#25
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Credit card receipt
Dave Plowman (News) wrote:
In article , Chris B wrote: On 14/11/2017 10:16, Jethro_uk wrote: On Mon, 13 Nov 2017 23:31:42 +0000, Bill wrote: In theory, you should never let your card out of your hand. But there are some smaller retailers where it's "arranged" that the cashier has to take your card to put in the machine. I've heard this advice many times but its not only "smaller retailers" it is "every" restaurant chain in the US that disappears with your card for 5 minutes when making up the final payments slip. A local pub/restaurant takes your card from you when you arrive. Seems that is getting common. That happened to me for the first time a couple of months back. Before they would honour our reservation, the Eliot Arms in South Cerney took my card and put it in an envelope in the till. Bearing in mind this is a quite upmarket area, I was extremely surprised. Naturally, we will never go there again, not anywhere else that does that - I refuse to be assumed guilty until proved innocent! Had we not had hungry friends with us, I would have made my views known in no uncertain manner and walked straight out. As it was I paid first and then made my views known. -- Bob Tetbury, Gloucestershire, England Very funny Scotty - now beam down my clothes. |
#26
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Credit card receipt
In message , Bob Henson
writes That happened to me for the first time a couple of months back. Before they would honour our reservation, the Eliot Arms in South Cerney took my card and put it in an envelope in the till. Bearing in mind this is a quite upmarket area, I was extremely surprised. Naturally, we will never go there again, not anywhere else that does that - I refuse to be assumed guilty until proved innocent! Had we not had hungry friends with us, I would have made my views known in no uncertain manner and walked straight out. As it was I paid first and then made my views known. I was stopping in a pub earlier this year where they did that. They had been getting several runners a week (easily £100 a time). It doesn't take many of those to cause major cash flow problems. Sadly it doesn't matter how up market an area is, there are thieves at all levels. Adrian -- To Reply : replace "diy" with "news" and reverse the domain If you are reading this from a web interface eg DIY Banter, DIY Forum or Google Groups, please be aware this is NOT a forum, and you are merely using a web portal to a USENET group. Many people block posters coming from web portals due to perceieved SPAM or inaneness. For a better method of access, please see: http://wiki.diyfaq.org.uk/index.php?title=Usenet |
#27
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Credit card receipt
Adrian wrote:
In message , Bob Henson writes That happened to me for the first time a couple of months back. Before they would honour our reservation, the Eliot Arms in South Cerney took my card and put it in an envelope in the till. Bearing in mind this is a quite upmarket area, I was extremely surprised. Naturally, we will never go there again, not anywhere else that does that - I refuse to be assumed guilty until proved innocent! Had we not had hungry friends with us, I would have made my views known in no uncertain manner and walked straight out. As it was I paid first and then made my views known. I was stopping in a pub earlier this year where they did that. They had been getting several runners a week (easily £100 a time). It doesn't take many of those to cause major cash flow problems. Sadly it doesn't matter how up market an area is, there are thieves at all levels. Sadly, true. Fortunately, there are plenty of hostelries around here who won't embarrass me in front of friends, so I shall go to them. -- Bob Tetbury, Gloucestershire, England Licentiae, quam stulti libertatem vocabant - Tacitus |
#28
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Credit card receipt
"Adrian" wrote in message ... In message , Bob Henson writes That happened to me for the first time a couple of months back. Before they would honour our reservation, the Eliot Arms in South Cerney took my card and put it in an envelope in the till. Bearing in mind this is a quite upmarket area, I was extremely surprised. Naturally, we will never go there again, not anywhere else that does that - I refuse to be assumed guilty until proved innocent! Had we not had hungry friends with us, I would have made my views known in no uncertain manner and walked straight out. As it was I paid first and then made my views known. I was stopping in a pub earlier this year where they did that. Wonder what they do with those that pay with their phone now ? They had been getting several runners a week (easily £100 a time). It doesn't take many of those to cause major cash flow problems. Sadly it doesn't matter how up market an area is, there are thieves at all levels. No reason why they can't charge you when you order. |
#29
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Credit card receipt
On 14/11/2017 19:40, Adrian wrote:
In message , Bob Henson writes That happened to me for the first time a couple of months back. Before they would honour our reservation, the Eliot Arms in South Cerney took my card and put it in an envelope in the till. Bearing in mind this is a quite upmarket area, I was extremely surprised. Naturally, we will never go there again, not anywhere else that does that - I refuse to be assumed guilty until proved innocent! Had we not had hungry friends with us, I would have made my views known in no uncertain manner and walked straight out. As it was I paid first and then made my views known. I was stopping in a pub earlier this year where they did that.Â* They had been getting several runners a week (easily £100 a time).Â* It doesn't take many of those to cause major cash flow problems.Â* Sadly it doesn't matter how up market an area is, there are thieves at all levels. I fail to see how it protects them from runners who nicked the card earlier that day or bought it for a tenner from a fellow criminal who did so. -- Robin reply-to address is (intended to be) valid |
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