Big Mistake

LegacyUser

Make this topic short, Recently I got myself into debt with the wrong kind of people so they were pressuring me into paying them back through illegal jobs. To get rid of them I owed them €400(small i know) so I seen my brothers foreign credit card at home and used it to take out the money. Now I have the €400-€500 inc interest and want to put it back on my brothers credit card, I cant tell him I took this as I feel he will never talk to me again. Just cant seem how I can put this back on his card as I dont know his a/c number or sort code.(Still thinking I might be able to send it via paypal using my friends card and giving him the money)

I know what I did was wrong and just want to put the money back on his card, any suggestions?

Thanks for your help!

Burial

If you used your brothers credit card, it'll appear on his statement and he'll enquire why that money was spent and who it was given to, leading to hassle for you, your brother, his bank and those you borrowed from. And if they are the wrong kind of people this hassle won't be the right way to go. Also, your brother would still hate you anyway. Espcially for not telling him. You won't be off the hook with him when you put the money into his account.

Give your brother back the money and tell him what you spent the money on, so he knows what's going on in his own credit card statement. He may hate you for awhile, but if you paid him back with interest(including banking interest and a thank you interest), he won't be as mad. (He will be mad though.) Accept what you did was wrong and mark it as experience. Never deal with the wrong kind of people again. There is a reason they are the wrong kind of people.

Wagon

Let him get mad and then it'll blow over. If it get's those dodgy feckers off your back then the worst is avoided.

sunnyside

Having your brother annoyed with you is nowhere near as bad as having dangerous people wanting money from you.

Tell him you needed the money urgently, you know you shouldn't have done it and are sorry but you are giving him the money back so you''ll get away with it. Buy him a nice Christmas present as well to make it up to him.

TripleAce

Tell him the truth and pay him back. You made a mistake, be honest about it and handle it like a man. After you have paid him back, buy him a nice present (as interest) and tell him it won't happen again.

Sugar Drunk

look you have the money to pay him back so at least that softens the blow a bit.
Tell him the truth, be prepared for him to be very annoyed and give him a bit of space.

Its better to have your brother annpyed with you than to have dangerous people after you.

I assume this has put you off getting into debt with these sort of people again? in which case thats a good thing that has come out of it all.

peekyboo

Burial wrote: »

Also, your brother would still hate you anyway. Espcially for not telling him.

Hate? Wow, that is pretty harsh.

OP I think your brother will be very angry and maybe will find it hard to trust you around his things but hopefully you will learn from this mistake and NEVER do it again? Explain what happened to him, better to be upfront than tell more lies.

davej

Just cant seem how I can put this back on his card as I dont know his a/c number or sort code

But you knew his pin code to withdraw the money ?

davej

Queencake

Just tell him. He should understand. I know if it were my sister I'd forgive her so long as she repays of course!

I'd much rather have one safe and sound sister who stole my card then an at risk sister who has to deal with dodgy characters.

JUST NEVER EVER DO THIS AGAIN. You owe your brother an apology and a whole lot of brotherly love!

Bottle_of_Smoke

Tell him asap. He could be in a shop buying stuff and his card rejects because he thought there was €400 euro available that you took aout in cash.

Or he could depend on it to stay in hotel/get home some night.

Or, he might not make a big enough minimum repayment and his credit card will go into arrears. He won't forgive that one so easily.

Once you have the cash he won't mind. Tell him now.

Burial

Read the quotes below. The op clearly says he won't talk to him ever again if he found out, which to me, means hate.

OP wrote:

I cant tell him I took this as I feel he will never talk to me again.

Burial wrote:

your brother would still hate you anyway. Espcially for not telling him.

peekyboo wrote: »

Hate? Wow, that is pretty harsh.

OP, if your still looking for his a/c info or whatnot, about putting the money you owe him back into his account, this solution worked for me before. Goto his local bank and give his address and name and you can put the money back in that way. Keep in mind, the money out and the money in will come up on his transactions and he will investigate about it.

peekyboo

Burial wrote: »

Read the quotes below. The op clearly says he won't talk to him ever again if he found out, which to me, means hate.



OP, if your still looking for his a/c info or whatnot, about putting the money you owe him back into his account, this solution worked for me before. Goto his local bank and give his address and name and you can put the money back in that way. Keep in mind, the money out and the money in will come up on his transactions and he will investigate about it.

I think that is a little immature and scaring the OP. I sincerely think he'll be angry but he will get over it. Lots of siblings have rows, sometimes over serious things, but hate won't come into it.

I do agree however that the brother will investigate the money coming in and out so it's best to come clean. Good luck OP

LegacyUser

He wont investigate it as he doesnt use the account, also he wont find out as i have the credit card as he left it at home.

Also I cant log it as its a foriegn account not from ireland...

TheZohanS

Unregistered wrote: »

He wont investigate it as he doesnt use the account, also he wont find out as i have the credit card as he left it at home.

Also I cant log it as its a foriegn account not from ireland...

1. Ring your own 24 hour banking.
2. Tell them you want to make a one off credit card payment.
3. Give them the card details.
4. Money transferred within 5 days.
5. Dont make the same mistake again.

Kidchameleon

Hi,

I would say you should be totally honest with your bro about this, he wont be mad if your open and honest. These things go wrong for a reason, so that you will learn a lesson ie. NOT to deal with these dodgy people again! Your bro probably would have lended you the money if you had been honest from the outset...

Good Luck!!

BankMan

Ok - if it's a foreign credit card, you may not be able to do an online payment. If so...

*If you actually have the credit card, there will be contact details on the reverse from the issuing bank.

*Contact them, and ask them for contact details (address).

*Now go to your bank and ask for a bank draft payable to VISA/MASTERCARD ACCOUNT NO ****-****-****-**** (The account number is the same as the card number).

*Post the draft to the address. The bank draft wont have your name on it, and it would take a bit of digging to link you to it.