Please don't let me starve!!!!!!!!!!!

Abby27

My fiance and I went to morrocco in May and withdrew money from ATM machines - we made 7 withdrawals in all and checked our account online when we got home that they all transactions had come out. All was well and good, no problems 3 months ago. Today I find that some bank in Morrocco has re-issued all these transactions (that we have already paid for) - my bank has authorised these requests and my account has been cleared out and I am now in an unplanned overdraft of £200. Initially the bank tried to tell us that some transactions made abroad can take up to 6 months - 6 years to be processed, then we pushed further and my very angry fiance had it confirmed with the "desputes dept" that yes these particular transactions are duplicates of the old ones from May and we will be entitled to get the money bank, once they send the forms out etc. I understand this, and that I will be charged for the unplanned overdraft but I will be able to claim it back. What amazes me is that my bank does not have any process/policy: a)to help me in this dire moment of need b) to prevent this happening at all! Apparently the transaction/authorisation references are specific for each ATM withdrawal - thats how they found out they were duplicates, when we asked the fraud dept to look into it.
I choose to have one bank account which I share with my partner, I have bad credit and cannot get an overdraft so we don't have one and we normally don't need one. But now when it has been proven and accepted that the money I entrust to the bank has been taken from me unlawfully, they have admitted they cannot help! They will not give us an overdraft to sub us until payday which is 10 days away (because of my bad credit), and they cannot credit my account with the amount that has been taken despite admitting they know where the money has gone. Also, despite us telling the bank employee that we have not been eligable for overdrafts (we've tried in the past) the kind lady on the end of the telephone tried twice anyway and we were refused twice - and now they tell us that this will go against our credit rating with the bank!
Now thankfully my mum has managed to sub me some ££ - but what if I had no family - had bad credit - and someone had cleared my account and i wasn't getting paid for another 3 weeks! Surely if it has been accepted and confirmed by the bank that your money has been stolen from you then they should be able help!? Surely they won't let you starve!!! And another thing where is this information (although irrelevant in this case) that transactions can take up to 6 months and in some cases 6 years to be processed from abroad!? I have scoured the banks website and our account information and cannot find any such notice anywhere! And the last thing, how did this happen! Didn't it flag up that these particular transactions/withdrawals, with those specific "codes" were made in May also -this was not a person who had stolen my identity or cards - this was another bank taking money I'd already paid, and LloydsTsb just gave it to them! What guarantee do I have this won't happen again!!!!!!!!!!????

MothballsWallet

I notice you'd posted 2 identical threads: if you go into the other one, and click "Edit" on your post, you should also see an option to delete the thread.

Could you also please re-edit your post in this thread as it's very difficult to read with the long sentences and paragraphs? Cheers.

Someone else'll be able to advise as I don't know how easy it is to sort out things that happened nearly 3 months ago as I can't remember what the time limit is.

Emma37

MothballsWallet wrote: »

Could you also please re-edit your post in this thread as it's very difficult to read with the long sentences and paragraphs? Cheers.]quote

Yes, I agree with this. I started to read it, but it's really difficult. You'll get more responses if you break up the solid block of typing. Leaving spaces between each paragraph will make it easy to read.

pinkshoes

Abby27 wrote: »

What guarantee do I have this won't happen again!!!!!!!!!!????

You could take cash with you and work out how much you're going to need for the week. Post offices often sell foreign currency commission free

Sssssss

if you can afford a holiday then I don't think you are likely to starve.

Ms-Pacman

Sssssss wrote: »

if you can afford a holiday then I don't think you are likely to starve.

Thats not really relevant or very helpful is it......:eek:

I thought holidays have to paid for in advance anyway and how do we know how much her bank account was in credit for? The point was it is now in the red and she has no money for something that wasn't her fault.........

Sssssss

nor is the title of this tread it's a bit OTT

Ms-Pacman

Sssssss wrote: »

nor is the title of this tread it's a bit OTT

yes. I agree on that but it just looks like panic to me.

god knows how I'd feel if got in situation with not being able to get money though at least she got help from family.
Sometimes it does help to vent out frustration on sites like this and get a clear perspective on issues like this. I know this site / memebers have helped me a lot allthough hopefully my thread titles aren't too dramatic!