Welcome, Guest: Register On Nairaland / LOGIN! / Trending / Recent / NewStats: 3,201,142 members, 7,977,284 topics. Date: Thursday, 17 October 2024 at 03:13 AM |
Nairaland Forum / Nairaland / General / Travel / Living In The Uk-life Of An Immigrant (part 2) (1299290 Views)
Living In The Uk-life Of An Immigrant (part 3) / Living In Canada/Life As A Canadian Immigrant Part 2 / Living In The Uk/life As A UK Immigrant (2) (3) (4)
(1) (2) (3) ... (363) (364) (365) (366) (367) (368) (369) ... (1007) (Go Down)
Re: Living In The Uk-life Of An Immigrant (part 2) by Adazeal: 12:32am On Apr 07, 2022 |
Ray7878: Exactly. I don't think it had anything to do with with her credit history. Same thing happened to me although with Amazon, no one checked my social media pages though. I never used a credit card in my case as I wanted to pay the full amount instantly. I have good credit history. I ordered for goods, approved it on my bank app, the money deducted and left on pending, after sometime the order was cancelled. Tried it several times same thing. I called and was told to create a business account with other security add-ons I think were not necessary. 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 2) by brine(m): 12:56am On Apr 07, 2022 |
davide470: Take note of the bolded! Accessing the LinkedIn profile without logging in would have been appropriate as that wouldn't have raised any flags. What kind of fraud prevention unit checks customer details with their personal linkedin account to start with I reckon the person might have been working from home and mistakenly clicked on the search result whilst logged in to their Linkedin profile. Many of us in related fields are not above this mistake OP has a case, to be honest. Although, I'd strongly advise the OP not to play the race card. I also doubt if any information on the OPs Linkedin profile factored in the decision. |
Re: Living In The Uk-life Of An Immigrant (part 2) by semmyk(m): 1:29am On Apr 07, 2022 |
Let me say upfront, the OP needs to pick between battle and war. Secondly, there's injustice and there're injustices. Nonetheless, when wrong is wrong, it is wrong. There's a reason why in most countries, dignity (alongside privacy) are part of #rights. The OP can take the matter further with JL and if (s)he desires, also with the Information Commissioner (DPA). However, going the solicitor route (and consequently solicitor utilising barrister), let OP weigh battle and war! PayPal in 3: the credit (amount, process, profile, legal...) is between the PayPal client and PayPal. Beyond the two parties, transaction is Blackbox in so far as details is concerned. I'll leave it at that without much further elaboration. https://www.paypal.com/uk/webapps/mpp/paypal-payin3/faq DPA The DPA as with any other data protection/privacy safeguard works on common principles. Typically, it's about - private, public sensitive and public information - the subject - what the info is about - what the info is used for (to be used for) - how the info will be used - how long the info will be used and/or kept - how the info will be safeguarded - who is/will be designated custodian PS: I've used info loosely as if one and same as data. Can a fraud unit utilise public, public sensitive and even private info (data), yes they can. Nonetheless, in their usage (processing), they are mandated to adhere to the other principles (as a combined lot and not isolated units). NB: DPA (in UK way b4 the GDPR even comes to be!) is similar to others South Africa POPI act, Jamaica's DPA, Australia's DPA, California Privacy Act or US HIPAA/HITECH, even 9ja NDPR, about to be Indian's DPA ...). I have some posting on my LinkedIn on data protection/privacy. JL: John Lewis JL is a third party to the two-parties (PayPal and Amarathripple0) [credit] relationship in so far as PayPal in 3 is concerned (well, I stand to be corrected with the little of law, risk, security, audit, consulting I've done over the years). Disclaimer: despite working in law and in Court, I'm not a Solicitor/lawyer nor Barrister/Advocate. There's a branch of law that allows me to 'practice' within its limited constraints!!! Refusing ordinal customer, provider transaction is not the norm. That JL will have explain and explain real good. The twist is the 'not present transaction'. There are other areas that comes into the picture. Some are AML (even though JL would not ordinarily be classified as an entity in this regard!), Ethics (ethical morale), responsible trading ... Inbtw, by the OP aversion, I credence is to be made to it, there is a non-profit transaction (debit card) that was refused/declined. Ordinarily, that would settled the matter. However, it was not so. The onus shifts to JL. Let me #pause. I will not pass an firm opinion nor verdict. All rise! 2 Likes |
Re: Living In The Uk-life Of An Immigrant (part 2) by Andrenalin: 1:38am On Apr 07, 2022 |
Goke7: Thanks a lot for this , Kindly weigh my experience… I have work as a mechanical tech for 10yrs plus now in the oil and gas industry working on Caterpillar Engines, Gas Turbines, Pumps and Compressors. Also work as Operators for two yes. Do you think I stand a chance securing a job there if I relocate? Thanks I am anticipating ur respond |
Re: Living In The Uk-life Of An Immigrant (part 2) by Viruses: 1:40am On Apr 07, 2022 |
Viruses: Apologies to 1beat if my comment was out of line. The struggle can be frustrating sometimes. I understand your plight honesty because even back home people drop out for financial reasons. I hope you are able to sort yourself out soon enough. |
Re: Living In The Uk-life Of An Immigrant (part 2) by Amarathripple0: 1:54am On Apr 07, 2022 |
LagosismyHome:Lol you for use your real name and details na if E sure you. |
Re: Living In The Uk-life Of An Immigrant (part 2) by semmyk(m): 2:01am On Apr 07, 2022 |
Kindly pay more, critical attention to Goke7 message (admonition as it seems). In cover letter, be specific on 'personal' details: technical, process, regulatory... For instance, in this 'scenario', which caterpillar engines or gas turbines you worked on (not all but just two or three), what did you do on them, what did you achieved with them from engineering and benefit output. You can even approach from what 'risk' you had and how exactly did you avert. Inbetween, your membership of COREN and or NSE must be intact in addition to UK CEng or IEng or EngTech. @the underlined, do you stand a chance, probably. However, you'll need an orientation shift from what to how: generic to specific and actionable Andrenalin: Goke7: |
Re: Living In The Uk-life Of An Immigrant (part 2) by umarwy(m): 2:12am On Apr 07, 2022 |
LagosismyHome: OSINT champion |
Re: Living In The Uk-life Of An Immigrant (part 2) by dupyshoo: 5:28am On Apr 07, 2022 |
Totally agree with this. Considering a lot of fraudsters use other people's cards to purchase high value goods from John Lewis a lot of times. I have been a victim of this when someone used my credit card to buy goods worth £1500 from John Lewis. It is good they are now checking for fraudulent transactions. They might get some wrong but they will prevent a lot of fraudulent transactions in the process. davide470: 4 Likes |
Re: Living In The Uk-life Of An Immigrant (part 2) by BouharryArtikou: 6:01am On Apr 07, 2022 |
Chima Asadu, a 21-year-old business management student at the University of Portsmouth, was caught using the badge that had been stolen from a car in London. https://www.portsmouth.co.uk/news/crime/portsmouth-student-told-to-cough-up-ps2500-in-court-after-buying-ps20-stolen-disabled-parking-badge-in-london-3642314 1 Like
|
Re: Living In The Uk-life Of An Immigrant (part 2) by LagosismyHome(f): 6:06am On Apr 07, 2022 |
Amarathripple0: On my personal computer or phone sure I use my real profile but work is different inint . Although my line of work, It is not a crime and offence in any capacity to view social media or LinkedIn, but it done for other reasons 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 2) by TheGuyFromHR: 6:44am On Apr 07, 2022 |
Ray7878: It was a series of transactions, and not only one debit transaction. The OP applied for credit, through PayPal. This was declined. Why, neither we nor she know, but it could have been flagged as fraud. The OP next attempted to pay for the item in full (debit). By this time someone is obviously looking at the transaction, and again declined it, for whatever reason, ostensibly because of suspected fraud. The two transactions are obviously connected and not standalone events. 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 2) by TheGuyFromHR: 6:44am On Apr 07, 2022 |
davide470: Thanks for this clarification. |
Re: Living In The Uk-life Of An Immigrant (part 2) by Ray7878: 6:45am On Apr 07, 2022 |
semmyk: Well said. |
Re: Living In The Uk-life Of An Immigrant (part 2) by Nobody: 6:53am On Apr 07, 2022 |
brine:Doesn't matter to be honest. If the OP has a Twitter account that links to the name. Same would have be done. And would she have noticed anyone checking her Twitter page? I mean she can approach any court but she'll lose. It's not like company doesn't have data to support their claims. It's fraud prevention on their part. 4 Likes |
Re: Living In The Uk-life Of An Immigrant (part 2) by BouharryArtikou: 7:06am On Apr 07, 2022 |
1beat: A mum-of-four says she was who was forced to escape Nigeria with her children over fears for her safety is now using her voice to empower other women and young girls. Omoze, 35, who is currently living in a hotel in Brent Cross while waiting to hear back from the Home Office on her asylum status, fled her home country after she was arrested for her sexuality. https://www.mylondon.news/news/west-london-news/mum-fled-london-nigeria-kids-23611094.amp 1 Like
|
Re: Living In The Uk-life Of An Immigrant (part 2) by TheGuyFromHR: 7:32am On Apr 07, 2022 |
BouharryArtikou: Lol. I read somewhere that someone's asylum claim in similar circumstances was denied because the court said that he'd claimed to be gay, but had not provided evidence of having a boyfriend or seeking one all the while he'd been in the UK waiting for his asylum claim to be decided (a long time, the way these things generally happen) and free to live freely as he chose. So for those interested in this asylum path, the time to start swiping your credit cards in gay bars and engaging in PDAs with your own gender in the street starts now. 3 Likes |
Re: Living In The Uk-life Of An Immigrant (part 2) by Ray7878: 7:46am On Apr 07, 2022 |
TheGuyFromHR: (1) The Paypal transaction was approved by PayPal it wasn’t declined as you put it. (2) He/she asked why John Lewis cancelled the transaction AFTER it was already approved by PayPal. (3) Told to pay through another means. (4) Paid via his/her debit card which was approved by his/her bank, which the OP personal approved via their banking app. So to summary everything, PayPal approved the credit. His/her bank approved the cash debited from the purchasers account, but you guys are telling him/her that this is the norm? If their fraud department thinks the PayPal credit was for security purposes then that’s understandable, the moment the debit card is used, approved by the purchaser via their banking app that puts the onus on JL to explain themselves (Especially the fact that they checked his Linkedin before cancelling that order too). The moment he used the app to approve the purchase JL put themselves in a tough position, if they think this was a fraudulent transaction via PayPal and they linked it to the debit card transaction then they could put the order on hold, ask the purchaser to verify a photo ID like passport or drivers license and the debit card. Did they do that? I could be wrong. But they didn’t and people are encouraging the OP to focus their energy on something else? Lol I wish this had happened to me thank God for Caribbean people in this country. 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 2) by Ray7878: 8:08am On Apr 07, 2022 |
BouharryArtikou: Goodluck to her, but I doubt they have seen this sort of sob stories a million times. This is 2022 not 1972, they would decline her application. Her story seems well orchestrated to her but these people wouldn’t believe a single word from her. And frankly I don’t too, too many holes in her story. Somehow she was about to get her and her 4 children via the visa process from Lagos to London… Hmm This was like the Jamaican man who claimed to be gay and would face death if deported but he has 6 kids. Am sure they would prove to her that their are a lot of gay/bisexual people in Nigeria. Having the kids with her might help with the sob story though. 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 2) by darknessbegone: 8:09am On Apr 07, 2022 |
Amarathripple0: Are you a first time customer with John Lewis when you try to place the order? If yes, that’s what they usually do. I use to work there as a backend staff. They usually flag a first time customer ordering something expensive. Normally, what we do is to call and ask some questions and if satisfied, the order get released from hold or the order get cancelled and we wait and see if the customer will call back/email and place the order again. You will be surprise about the number of orders placed on this posh stores website using stolen cards. It happens to all races there. The LinkedIn own, me I don’t know about that one. I will say a staff from the fraud department got curious when trying to verify your identity. 2 Likes |
Re: Living In The Uk-life Of An Immigrant (part 2) by Divine88: 8:14am On Apr 07, 2022 |
Amarathripple0:My dear I tire too oo! Not sure what’s the gain in doing that! |
Re: Living In The Uk-life Of An Immigrant (part 2) by Ray7878: 8:27am On Apr 07, 2022 |
darknessbegone: Great points here. Definitely sure that they would have extra security when it comes to online shopping. And they do have the rights to refuse credit even if PayPal approved it. And yes it happens to all race, the checking of LinkedIn and then proceeding to cancel the debit card order is where I think they make a massive error. Put the order on hold, ask for more proof of identity etc Was the debit card registered in a different address to the delivery address etc So yes do your checks because usually any transaction above £800 would usually flag up online with JL. |
Re: Living In The Uk-life Of An Immigrant (part 2) by BouharryArtikou: 8:34am On Apr 07, 2022 |
Damilola Grace Olakanmi, a 23-year-old Nigerian business law student has died in the UK after eating a suspected cannabis sweet. Damilola, from Ilford, east London, and the only child of her mum, bought the ‘gummies’ through a messaging app. Say No to Drugs!!!!! https://pmnewsnigeria.com/2022/04/05/nigerian-law-student-damilola-olakanmi-dies-in-uk-after-eating-cannabis-sweet/?amp=1 https://www.independent.co.uk/news/uk/crime/damilola-olakanmi-farewell-cannabis-gummie-death-b2051375.html?amp
|
Re: Living In The Uk-life Of An Immigrant (part 2) by Akorkor(f): 8:53am On Apr 07, 2022 |
TheGuyFromHR: . All I see here is desperation |
Re: Living In The Uk-life Of An Immigrant (part 2) by dupyshoo: 8:55am On Apr 07, 2022 |
What is wrong with checking LinkedIn profile if I may ask? Canada Immigration do it all the time to verify job experiences. It is publicly held information, so anyone can access it. Regarding cancelling debit card order, once a transaction is flagged as likely fraudulent, subsequent transactions will be denied. There will likely be a red flag that made them cancel the transaction. I am sure JL don't care whether you are red or white, their first aim is to sell their goods. The more the better. However, they have lost a lot of money to fraudulent transactions, hence why they are very careful with transactions that involve large amount. Ray7878: 3 Likes |
Re: Living In The Uk-life Of An Immigrant (part 2) by Amarathripple0: 9:07am On Apr 07, 2022 |
To the people who have constantly made my post a credit issue when I clearly stated multiple times that it wasn’t the case. I’ve ordered the same laptop from Curry’s (without opening an account with them) using the PayPal pay in 3 option and the order was approved, I’ve been debited and the order has been dispatched. Please let the credit talk rest, that was not my issue with JL. And I did not "apply for credit" with PayPal, it’s a service open to everyone without any application on select stores. 1 Like
|
Re: Living In The Uk-life Of An Immigrant (part 2) by tolajay: 9:17am On Apr 07, 2022 |
Thanks, mate. davide470: |
Re: Living In The Uk-life Of An Immigrant (part 2) by MichaelUde: 9:20am On Apr 07, 2022 |
Ah ah. We still dey on top this matter? It's time to close it, abeg una, but to clarify, madam (and for others) PayPal 3 in 1, and Klarna and all the rest of the Buy Now Pay Later schemes (BNPL) are a form of credit being given to you. The HRGuy was right when he said that when you use 3 in 1 at checkout, you are applying for credit. It's usually a soft search they carry out and its automated, without their having to ask you to fill form or provide info, so many people feel say its different from a standard credit application, but all na the same thing. The FCA is trying to clamp down on these lenders, because they are saying that the affordability checks are not as stringent as for other credit providers, and so on, but make una note say all na credit. You have your item,Curry's has its money and you owe PayPal. Oya, make una bring another topic o. Wey the person wey wan claim asylum, come forward, please. 4 Likes 1 Share |
Re: Living In The Uk-life Of An Immigrant (part 2) by giselle237: 9:25am On Apr 07, 2022 |
It is okay. 4 pages in. It is actually OK |
Re: Living In The Uk-life Of An Immigrant (part 2) by Amarathripple0: 9:28am On Apr 07, 2022 |
MichaelUde:Yes it’s a form of credit and PayPal offers that form of payment on JL because it’s approved on their store and like I have said, that was NOT my issue with JL, I stated my issues with them clearly in my first post. For those who do not understand it, I have 3 issues with them. 1. A staff using his personal account to run through my social media page after the same transaction failed twice. 2. Getting refused the service a third time after paying with my Debit card and approving the purchase on my bank app. 3. No apologies on their part and all I need is for them to acknowledge what they did, apologise and move on. Not sure where everyone got the idea from that I was going to sue them. People should try to read clearly and with understanding. A quick call to verify my identity would have been sufficient since I made the first call to them to complain. It’s that simple. 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 2) by Amarathripple0: 9:29am On Apr 07, 2022 |
giselle237: |
(1) (2) (3) ... (363) (364) (365) (366) (367) (368) (369) ... (1007)
General Australian Student Visa Enquiries Part 3 / Uk Student Visa/tier 4 Pbs - Your Questions Answered Part 7 / Canadian Express Entry/Federal Skilled Workers Program-Connect Here Part 3
(Go Up)
Sections: politics (1) business autos (1) jobs (1) career education (1) romance computers phones travel sports fashion health religion celebs tv-movies music-radio literature webmasters programming techmarket Links: (1) (2) (3) (4) (5) (6) (7) (8) (9) (10) Nairaland - Copyright © 2005 - 2024 Oluwaseun Osewa. All rights reserved. See How To Advertise. 111 |