The ATM DIDNT GIVE ME MY MONEY!!!

simpywimpy

why the arguing over the fact that I went into Tesco. The reasoning I was using was that although I know RBS own the machine, I do feel that Tesco should have offered me some assistance. They didn't even make a note of it, offer to phone RBS or get me the number. Very poor customer service overall I thought.

I have twice filled in the dispute forms with Lloyds but RBS keep refusing my claim without giving any reason. Lloyds now won't take it any further. I popped into the RBS branch for advice and they told me to go back to Lloyds.

My problem seems to be if the machine then gave my money to someone else. Lloyds tell me this is impossible. If it is, then my money should have still been in the machine!!!

Zippy123

Go and ask for an ATM dispute form. Nothing else will do.

Fill it in, send it to the bank, wait 10 days (21 to be safe).

If nothing happens write to the FSA.

The bank knows how much money was paid in, how much was taken out and how much was left. If the figures don't reconcile then they will refund you.

They will not do anything without the correct forms. They are not being difficult, just system and process driven. They can't do anything without the form.

Best of luck!

simpywimpy

As I keep saying Zippy, I have filled in the dispute form twice and they keep decling the claim.

OnceUponADream

simpywimpy wrote: »

As I keep saying Zippy, I have filled in the dispute form twice and they keep decling the claim.

There has recently been an ATM machine installed at our local Tesco garage and yes it does say it is 'supplied/owned' by RBS, however it is small in comparsion to the Tesco logo so IMO it can be easy to think you are dealing with Tesco.

Have you tried sending the ATM dispute to RBS or have you sent it to Lloyds only?

Zippy123

simpywimpy wrote: »

As I keep saying Zippy, I have filled in the dispute form twice and they keep decling the claim.

Do they tell you why it is declined? Ask them for a copy of the machine reconciliation for the fill before and after.

If no luck then your only option is to refer to the FSA.

simpywimpy

Lloyds sent it to RBS and phoned them for an update yesterday. They just said declined and wouldn't give a reason.

I will write to their customer service department - lloyds and RBS and if no joy, try FSA

mshappy

A similar thing happened to my mum not so long ago at a Morrisons.The machine was owned By HSBC she contacted them who told her to contact her bank.She thought she had lost the money but Abbey investigated it and about a month later she got her money back.

sweetnskint

if youve tried everything try FSA - hope to hear a result for you soon

simpywimpy

Been back into branch today and they gave me a lloyds customer service number to phone. What do they tell me to do??? Go back into branch and see someone higher up the pecking order!!

This is bordering on the ridiculous...

auddel_2

I think it is ridiculous that you have to wait so long to get your money if the ATM does not pay out.
I too have 'lost' money from a M&S ATM in their store. I put the card in, it went through the whole process of 'counting the money' and give me a receipt to say £250 had been taken- but no money came out. one second later another receipt came out saying that their was a transaction error and no money was deducted. Hopefully, I put my card in again to check my balance but the £250 had been taken out. M&S customer services were great and phoned the bank for me, the bank could see right away that their was a problem and no money was issued. Just at that another customer did not get her £500 she requested.
Had to go to my local Nationwide and fill in a ATM dispute form- this was on a Thursday. the dispute team did not receive it until the following Thursday- have they never heard of fax machines?????. They sent it of to HSBC who own M&S and I know they have received it. HSBC then have to contact the local branch of their bank to get a reconcillation sheet of the transactions from that machine. I have been told that they have 10 days to sort it out-but I need the money NOW. We are on benefits and I can't afford to not have this money, I have direct debits due to come out and now will be charged a fee for each one that will 'bounce'-. I asked Nationwide is there nothing they can do- they suggested I borrow the money from someone- what they heck!!!you would think that when you have the receipts to say there was a transaction error etc then things maybe sorted out quicker.