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  • FIRST POST
    • yinlokkwan
    • By yinlokkwan 16th Mar 17, 11:30 AM
    • 10Posts
    • 0Thanks
    yinlokkwan
    atm deduct extra money from my account
    • #1
    • 16th Mar 17, 11:30 AM
    atm deduct extra money from my account 16th Mar 17 at 11:30 AM
    I used the ATM last night and took 30 quid. I check my bank account this morning, they say i took 150 quid but i remember clearly i have not. what should i do?
Page 1
    • PeacefulWaters
    • By PeacefulWaters 16th Mar 17, 11:48 AM
    • 6,415 Posts
    • 7,862 Thanks
    PeacefulWaters
    • #2
    • 16th Mar 17, 11:48 AM
    • #2
    • 16th Mar 17, 11:48 AM
    Tell your bank.

    But it's not the most compelling tale.
    • agrinnall
    • By agrinnall 16th Mar 17, 11:58 AM
    • 17,685 Posts
    • 13,385 Thanks
    agrinnall
    • #3
    • 16th Mar 17, 11:58 AM
    • #3
    • 16th Mar 17, 11:58 AM
    Real story: OP was on the lash last night, took out £150 for more booze and lap dancing, now desperately trying to come up with an explanation for the OH.

    OP, did you get an ATM receipt, which will show what you took out? You should speak to your bank about it but you'll need to give them a more convincing story than you've given us so far.
    • alanq
    • By alanq 16th Mar 17, 12:05 PM
    • 3,598 Posts
    • 2,297 Thanks
    alanq
    • #4
    • 16th Mar 17, 12:05 PM
    • #4
    • 16th Mar 17, 12:05 PM
    What does your receipt say?

    Was the £150 taken in one transaction or was it your "£30" + some other(s)?

    Are you sure the £150 refers to your ATM withdrawal and not some other transaction from the past which has only just been processed?

    The ATM operator may take a fee but £120 seems a bit steep!
    Last edited by alanq; 16-03-2017 at 12:09 PM.
    I'm a Board Guide on the Budgeting and Bank Accounts, Savings & Investments, Food Shopping and Over 50s MoneySaving boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com. Board guides are not moderators. If you spot an inappropriate or illegal post then please report it to forumteam@moneysavingexpert.com
    • JuicyJesus
    • By JuicyJesus 16th Mar 17, 12:49 PM
    • 2,883 Posts
    • 2,968 Thanks
    JuicyJesus
    • #5
    • 16th Mar 17, 12:49 PM
    • #5
    • 16th Mar 17, 12:49 PM
    ATMs don't just debit people with random amounts of money. They debit you with what you choose to withdraw.
    urs sinserly,
    ~~joosy jeezus~~
    • yinlokkwan
    • By yinlokkwan 16th Mar 17, 5:30 PM
    • 10 Posts
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    yinlokkwan
    • #6
    • 16th Mar 17, 5:30 PM
    • #6
    • 16th Mar 17, 5:30 PM
    the whole thing is I try to take 30 quid from atm but nothing come out, when i check my bank account later, they say i took 150 pound
    • frugalmacdugal
    • By frugalmacdugal 16th Mar 17, 5:41 PM
    • 5,884 Posts
    • 5,085 Thanks
    frugalmacdugal
    • #7
    • 16th Mar 17, 5:41 PM
    • #7
    • 16th Mar 17, 5:41 PM
    Hi,

    I used the ATM last night and took 30 quid.
    Originally posted by yinlokkwan
    the whole thing is I try to take 30 quid from atm but nothing come out
    Originally posted by yinlokkwan
    so, which one is the true statement?
    Y'all take care now.
    • badger09
    • By badger09 16th Mar 17, 5:42 PM
    • 4,980 Posts
    • 4,178 Thanks
    badger09
    • #8
    • 16th Mar 17, 5:42 PM
    • #8
    • 16th Mar 17, 5:42 PM
    Hi,





    so, which one is the true statement?
    Originally posted by frugalmacdugal

    Neither?
    • yinlokkwan
    • By yinlokkwan 16th Mar 17, 6:09 PM
    • 10 Posts
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    yinlokkwan
    • #9
    • 16th Mar 17, 6:09 PM
    • #9
    • 16th Mar 17, 6:09 PM
    i did it twice ,one on 8ish another one on 11ish
    • yinlokkwan
    • By yinlokkwan 16th Mar 17, 6:11 PM
    • 10 Posts
    • 0 Thanks
    yinlokkwan
    the one at 8 oclock is the one nothing come out and 11 oclock i took 30quid, when i check the balance it show at 8 oclock i took 150quid and at 11 oclock i took 30quid so the former is wrong.....sorry i just trying to make it simple and miss a lot of detail
    Last edited by yinlokkwan; 16-03-2017 at 6:17 PM.
    • Shakin Steve
    • By Shakin Steve 16th Mar 17, 6:18 PM
    • 775 Posts
    • 563 Thanks
    Shakin Steve
    Oh, for goodness sake. If you're going to ring the bank tomorrow, try practicing your speech tonight.
    I came into this world with nothing and I've got most of it left.
    • yinlokkwan
    • By yinlokkwan 16th Mar 17, 6:23 PM
    • 10 Posts
    • 0 Thanks
    yinlokkwan
    I will thanks for all advice and the whole thing is too complicated, i am still panic right now since i never take that amount of money from atm
    Last edited by yinlokkwan; 16-03-2017 at 6:25 PM.
    • PeacefulWaters
    • By PeacefulWaters 16th Mar 17, 6:41 PM
    • 6,415 Posts
    • 7,862 Thanks
    PeacefulWaters
    It's not complicated.

    For each transaction:
    How much did you try to withdraw?
    How much did the machine dispense?
    How much did they deduct from your account?

    Tell the truth. Tell the bank.
    • yinlokkwan
    • By yinlokkwan 16th Mar 17, 6:53 PM
    • 10 Posts
    • 0 Thanks
    yinlokkwan
    thank you it really helpful!!
    • Shakin Steve
    • By Shakin Steve 16th Mar 17, 7:11 PM
    • 775 Posts
    • 563 Thanks
    Shakin Steve
    [QUOTE=Shakin Steve;72262281]Oh, for goodness sake. If you're going to ring the bank tomorrow, try practicing your speech tonight
    Deleted
    Last edited by Shakin Steve; 16-03-2017 at 9:39 PM.
    I came into this world with nothing and I've got most of it left.
    • Sleazy
    • By Sleazy 16th Mar 17, 7:13 PM
    • 5,712 Posts
    • 4,801 Thanks
    Sleazy
    Was the ATM at the Co-op?
    Signed Sleazy
    The Last Of The Lounge Lizards
    Right To Reply Retained
    • yinlokkwan
    • By yinlokkwan 16th Mar 17, 8:56 PM
    • 10 Posts
    • 0 Thanks
    yinlokkwan
    no it is the one provided by the restaurant, or i should not trust the ATM without coop again
    Last edited by yinlokkwan; 16-03-2017 at 9:00 PM.
    • yinlokkwan
    • By yinlokkwan 16th Mar 17, 9:08 PM
    • 10 Posts
    • 0 Thanks
    yinlokkwan
    I got a thanks for that. Oh, the irony.
    Originally posted by Shakin Steve
    I know this is unrealistic and you are right, how can i tell people if everything is not convincing
    • Westie983
    • By Westie983 16th Mar 17, 9:19 PM
    • 3,671 Posts
    • 13,666 Thanks
    Westie983
    Interesting as to withdraw £150 you would normally have to enter this amount into the keypad, as an other amount as it unlikely to be a standard amount as they are normally

    £10
    £20
    £50
    £100
    £200

    And occasionally dependant on ATM £5..

    If you are sure you did only take £30 then you will need to go to your bank with the details of the ATM and the location, they will put in a ATM discrepancy form, which means they will contact the ATM owner and ask them to balance the ATM, if it is over and your story adds up you will be refunded.

    If when they investigate the ATM balanced I would make the assumption it was a good night out and you just don't remember...

    Let us know what happens.

    Westie983
    Save 12k in 2017 #16 Total £12080/£12000 100.66%
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    I'm a Board Guide on Budgeting & Bank Accounts, Debt-Free Wannabe, Disability Money Matters, and Savings & Investments. I'm a volunteer helping the boards run smoothly, but I'm not a moderator, and do not read all posts. If you see an inappropriate/illegal post then email forumteam@moneysavingexpert.com
    • TrustyOven
    • By TrustyOven 16th Mar 17, 9:32 PM
    • 536 Posts
    • 611 Thanks
    TrustyOven
    Interesting as to withdraw £150 you would normally have to enter this amount into the keypad, as an other amount as it unlikely to be a standard amount as they are normally

    £10
    £20
    £50
    £100
    £200
    Originally posted by Westie983
    No.

    I once mistakenly took out £250 by pressing the once button that selected 250 as the fixed amount, and that one isnt on your list.

    (I was impatient and the ATM was slower than usual, so I pressed "cash&receipt" button once, nothing happened, pressed it again but in that moment it went to the next screen and I effectively selected £250, and it spewed it out )

    Also, perhaps cash points can be hacked, so why is everyone blaming the OP on this?
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