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Deliveroo users are getting defrauded

newstatesman.com

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Re: Deliveroo users are getting defrauded

#171

Post by stronglikedan »

e40 wrote: post #71
giancarlostoro wrote: post #22

Earlier quoted context omitted.

I've started using privacy.com after I saw a post here on HN about it. It's pretty nice. Basically you link up your bank account and they create debit cards for any online vendors you use, and you can set limits, destroy cards etc. I usually put monthly / transactional limits. Like with Uber Eats I know I only spend x amount, if anybody tried to use my Uber Eats card for 100 USD it would decline it. But also it locks…

I've been using this feature with my Citi CC for 10+ years. And with Citi, I don't need to give my CC to a 3rd party.

Same with BoA MC's ShopSafe feature.

Re: Deliveroo users are getting defrauded

#172

Post by mcv »

chopin wrote: post #94
iagooar wrote: post #87

Earlier quoted context omitted.

This doesn't work in Germany, for example. If you charge back, they'll just put you into a central register (called Schufa) that will basically make it impossible for you to get a credit or even to rent an apartment.

Charge back for a credit card? That's the first time I hear of this. Do you have citations for this?

It's the one saving grace for using something so insecure for payments. At least the credit card company and/or merchant share that risk.

Re: Deliveroo users are getting defrauded

#173

Post by detaro »

sschueller wrote: post #170

After Brexit (March 29, 2019) is the GDPR still valid?

I believe the current plan is to keep laws as they are until parliament gets around to replacing them, so I'd expect the equivalent of GDPR (without the EU-coordination bits) to apply for at least a while.

Re: Deliveroo users are getting defrauded

#174

Post by howard941 »

murph-almighty wrote: post #75
giancarlostoro wrote: post #22

Earlier quoted context omitted.

I've started using privacy.com after I saw a post here on HN about it. It's pretty nice. Basically you link up your bank account and they create debit cards for any online vendors you use, and you can set limits, destroy cards etc. I usually put monthly / transactional limits. Like with Uber Eats I know I only spend x amount, if anybody tried to use my Uber Eats card for 100 USD it would decline it. But also it locks…

Some credit card companies offer virtual credit cards as a service as well! Disclaimer: I work for one of those companies, but not on that product.

I loved this feature when I had Amex. The unique number-vendor pairing makes it easier to track down the vendor that spilled the beans to the charge defrauder. I was thrilled when capone started offering a similar service but its offering requires a browser addon with a backend anal about matching domain names to merchant names and sometimes rejecting valid purchases (I'm looking at you Dell factory refurb outlet).

Re: Deliveroo users are getting defrauded

#175

Post by entity345 »

matthewmacleod wrote: post #119
kennethp wrote: post #105

Earlier quoted context omitted.

I would be very careful on this one. Some providers are interestingly stubborn when it comes to charge backs and can hold on to the (fraudulent) vendors side even if you're clearly right. Monzo in the UK is a prime example for that. An internet vendor charged me more than he should and refused to void the transaction (basically text-book fraud) and I filled for a charge back with monzo. I was extremely confident that…

You didn’t file for a chargeback with Monzo, because they don’t offer credit cards. There’s less protection generally with debit cards. Generally guidance is that you are entitled to a refund from the bank only if you did not authorise a particular transaction.

Chargeback also apply to debit cards.

It's just that credit cards must offer chargebacks by law.

Re: Deliveroo users are getting defrauded

#176

Post by nkrisc »

iagooar wrote: post #98
anonknowsaguy wrote: post #69

Fun fact about Deliveroo. A lot of your drivers aren't the registered driver. It's really common practice for a citizen or someone with a work visa to register and then rent their phone to someone desperate with no work visa. So your driver is often making almost nothing while someone else sits on their ass and collects cash for doing nothing and then Deliveroo again sits on their ass providing poor service collectin…

> It's really common practice for a citizen or someone with a work visa to register and then rent their phone to someone desperate with no work visa Do humans really have such low morality and ethics? I just can't picture a person who does this to another human being...

There's people who will gladly do worse things to people, for free.

Re: Deliveroo users are getting defrauded

#177

Post by iagooar »

talltimtom wrote: post #147
iagooar wrote: post #98

Earlier quoted context omitted.

> It's really common practice for a citizen or someone with a work visa to register and then rent their phone to someone desperate with no work visa Do humans really have such low morality and ethics? I just can't picture a person who does this to another human being...

What’s immoral here? You know someone who can’t work so you let him rent your phone so he can work. I mean it’s not respecting the law, but it’s no more immoral than companies renting out cars, houses, or tools used by others to earn a living.

The author wrote that some people would make other people do the work, taking a cut. Given, that people who work themselves at Deliveroo already struggle to get a decent salary, then yes, it is immoral.

Re: Deliveroo users are getting defrauded

#178

Post by coroxout »

entity345 wrote: post #7
conradk wrote: post #4

Earlier quoted context omitted.

From my experience with Deliveroo, you can pretty much order at any address, wait for the delivery person at the doorstep and retrieve your order without actually living there.

I once asked for delivery to a pub's car park. No problem and the delivery guy did not ask for any ID or anything.

This is relevant to my interests: I live a few minutes' walk outside the delivery radius for my town, and the nearest identifiable location within the radius is a pub car park.

I've heard of people getting deliveries to the middle of the park in summer, or even to a boat waiting beside a road bridge...

Re: Deliveroo users are getting defrauded

#179

Post by eseehausen »

iagooar wrote: post #98
anonknowsaguy wrote: post #69

Fun fact about Deliveroo. A lot of your drivers aren't the registered driver. It's really common practice for a citizen or someone with a work visa to register and then rent their phone to someone desperate with no work visa. So your driver is often making almost nothing while someone else sits on their ass and collects cash for doing nothing and then Deliveroo again sits on their ass providing poor service collectin…

> It's really common practice for a citizen or someone with a work visa to register and then rent their phone to someone desperate with no work visa Do humans really have such low morality and ethics? I just can't picture a person who does this to another human being...

People using their accrued wealth to sit around while other people make money for them (who will suffer if they can't do that) is generally considered moral- or at least ethical- under the current order.

Re: Deliveroo users are getting defrauded

#180

Post by oarsinsync »

kennethp wrote: post #143
matthewmacleod wrote: post #119

Earlier quoted context omitted.

You didn’t file for a chargeback with Monzo, because they don’t offer credit cards. There’s less protection generally with debit cards. Generally guidance is that you are entitled to a refund from the bank only if you did not authorise a particular transaction.

Does it matter? The simple reason they are there is to protect my interests. If they can't do it for a few quid, how can they do it for larger sums of money? The Moral of the Story: Money institutes may not cover you like you think they will. I've learned my lesson. Again, be -very- careful.

> If they can't do it for a few quid, how can they do it for larger sums of money?

If I remember correctly, debit card protections don't exist below £100, so they literally can't do it for a few quid, but they can for larger sums of money.

This isn't an example of Monzo being terrible, this is an example of debit cards being terrible.

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