Ray7878:


The fact that he/she paid with her debit card and they cancel the order, he/she isn't asking for credit, your credit history doesn't come into this when you are paying with your debit card, he/she stated they even had to approve the transaction via their banking app.

So I don't know why the debit thing comes into it. I don't think people really understands what's going on in here, honestly. This is a good case for her/him to work on.

davide470:
My sister works in the Fraud Prevention Unit (FPU) of a FinTech in Europe. She said and I quote - once you see any transaction that could be flagged as fraudulent, there is no limit of what publicly available information (LinkedIn, FB, Twitter, Instagram etc.) to check so as to mitigate the risk as long as the info is used solely for that purpose and nothing else. Once a transaction failed security check, they go all out. The ideal thing is to pause that payment channel till it is certified ok by the FPU and before it is certified, DD must me carried out.

The OP can file a case which is well within his/her rights, but a FPU officer will squash it within 5 mins. There is no discrimination in Fraud Prevention (her words).

Goke7:


The thing about the UK is that you need to study about the industry and tailor your naija experience to their job specs highlighting the projects you have done and how it relates to the UK industry. They also want to know what you did and not what your company or team did. Also check out the necessary credentials and qualifications that are required for the role you apply for. All Engineering Jobs in the UK are in the shortage skill list and once you can prove you know the job, you can even get a company to sponsor your visa but the question remains do you know the job?

Viruses:


My advice:
1) cancel the thought of abandoning your studies. This will enable you to
2) look for those without experience before they started working and ask them how they went about it.

Instead of channelling your energy on why you cannot work and school in harsh weather conditions, channel it to how you can cope with working and schooling in harsh weather conditions.

I feel your story is sugar-coated because all the reasons you gave for your inability to work are not tenable. Inexperience, guarantor, weather condition, mental health issues, all these will still be at play even with asylum so how will you overcome them then?

LagosismyHome:


Thanks for the Goodluck

Btw the LinkedIn is not my real name or real details

Andrenalin:

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

Goke7:

The thing about the UK is that you need to study about the industry and tailor your naija experience to their job specs highlighting the projects you have done and how it relates to the UK industry. They also want to know what you did and not what your company or team did. Also check out the necessary credentials and qualifications that are required for the role you apply for. All Engineering Jobs in the UK are in the shortage skill list and once you can prove you know the job, you can even get a company to sponsor your visa but the question remains do you know the job?

LagosismyHome:


Thanks for the Goodluck

Btw the LinkedIn is not my real name or real details

davide470:
My sister works in the Fraud Prevention Unit (FPU) of a FinTech in Europe. She said and I quote - once you see any transaction that could be flagged as fraudulent, there is no limit of what publicly available information (LinkedIn, FB, Twitter, Instagram etc.) to check so as to mitigate the risk as long as the info is used solely for that purpose and nothing else. Once a transaction failed security check, they go all out. The ideal thing is to pause that payment channel till it is certified ok by the FPU and before it is certified, DD must me carried out.

The OP can file a case which is well within his/her rights, but a FPU officer will squash it within 5 mins. There is no discrimination in Fraud Prevention (her words).

Amarathripple0:

Lol you for use your real name and details na if E sure you.

Ray7878:


The fact that he/she paid with her debit card and they cancel the order, he/she isn't asking for credit, your credit history doesn't come into this when you are paying with your debit card, he/she stated they even had to approve the transaction via their banking app.

So I don't know why the debit thing comes into it. I don't think people really understands what's going on in here, honestly. This is a good case for her/him to work on.

davide470:
My sister works in the Fraud Prevention Unit (FPU) of a FinTech in Europe. She said and I quote - once you see any transaction that could be flagged as fraudulent, there is no limit of what publicly available information (LinkedIn, FB, Twitter, Instagram etc.) to check so as to mitigate the risk as long as the info is used solely for that purpose and nothing else. Once a transaction failed security check, they go all out. The ideal thing is to pause that payment channel till it is certified ok by the FPU and before it is certified, DD must me carried out.

The OP can file a case which is well within his/her rights, but a FPU officer will squash it within 5 mins. There is no discrimination in Fraud Prevention (her words).

semmyk:
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!

brine:


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.

1beat:
I'm presently studying in Uk i can't find job and i have spent all my money on accommodation of resent a friend suggested that I should seek for Asylum in Dublin, Ireland.

Some job requirements is issue ( experience & guarantor in Uk)
Combine studies and work together is another problem ( 4days in a week lectures )
weather condition in Scotland and mental health issue.

Please i need your advice , courage and what to do

BouharryArtikou:

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

TheGuyFromHR:


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.

BouharryArtikou:




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

Amarathripple0:
Good morning elders,

Please I would like to find out if this is discrimination or if I’m just overreacting. The gist is, I tried to order a laptop worth £800+ from John Lewis using the PayPal pay in 3 option. Mind you I’ve used this feature multiple times on other stores without issues. Anyway, John Lewis sent me an email saying the order has been cancelled because I failed security check. I called John Lewis to confirm why this happened and the customer service rep told me that it’s probably because I used paypal but I should either try again or pay at once. I decided to try again, same PayPal and the same thing happened. Now here’s where it got interesting, I randomly decided to go through my LinkedIn and noticed that a staff of John Lewis in their frauds department had gone through my LinkedIn Profile. I didn’t think anything of it and since I needed a new laptop urgently, I decided to just pay at once and order it with my debit card, which I did and approved the payment on my Barclays app. However the same thing happened again; I was rejected a third time. So the fact that a staff from their frauds department went through my page and I still got rejected a third time is giving me signals that they concluded that I must be a fraudster or something perhaps because I’m black African because how do I get rejected a third time for trying to pay for a service with instant debit from my account that has more than enough funds for the laptop. I’ve spoken to John Lewis about this and about a staff from their fraud unit going through my LinkedIn page and they keep feigning clueless and they said they’ll contact me but they haven’t. My friend thinks I should speak to a lawyer about it but I think that’s a bit intense. Should I just ignore and move on from this or should I report this as consumer discrimination. I’m confused.

Amarathripple0:

Like I’m just weak, someone here went to like my post on a different thread from Sept 2021 where I spoke about waiting for my CAS and then came back to this thread to speak loosely on my credit history as if that has anything to do with the question I asked.

darknessbegone:


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.

TheGuyFromHR:


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.

Ray7878:


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.

davide470:
It is still valid. NGN - USDT - GBP. Use a Crypto friendly bank (challenger banks mostly)

MichaelUde:
Ah ah.
We still dey on top this matter?
It's time to close it, 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. 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.

giselle237:
It is okay. 4 pages in. It is actually OK