Cash Credit card fraud and being held as negligent

skintandscared_2

Our Post Office has a cashpoint inside, and chip & pin machines at each counter where you can withdraw cash.

There are other threads on here about liability and onus moving to the customer with the arrival of chip & pin. Unfortunately I, too, think that the appeal will fail as the PIN was in his wallet with the card. I must admit I now NEVER keep PIN numbers at all. I immediately change my PIN to something I'll remember and destroy the slip. Even people who have "disguised" their PIN on paper with other numbers have had their cards used fraudulently. You just can't risk it.

dzug1

skintandscared wrote: »

Our Post Office has a cashpoint inside, and chip & pin machines at each counter where you can withdraw cash.

The cashpoint has nothing to do with the Post Office - it's a private venture by the owner of the business. I'm sure it won't cough up £900 anyway

and the chip and PIN machines at the counter cannot be used to get cash with a credit card - only with debit cards from specified banks. They have a limit of between £200 and £600 a day, depending on which bank, so £900 is not achievable anyway.

The only thing I can think of is that it was used to buy stamps or foreign currency - but that's purchases, not cash.

But anyway it's happened, and if the bank know all the facts they will certainly not stump up. Given that it was used several times they will probably presume disclosure of PIN anyway.

exel1966

It's a TROLL posting. There are various first time posts here all from NAT78/82/89 with stories.

Jemma-T

It does look dodgy (and I wanted to be impolite) but we're all nice here so we'll give them the benefit of the doubt.

skintandscared_2

dzug1 wrote: »

The cashpoint has nothing to do with the Post Office - it's a private venture by the owner of the business. I'm sure it won't cough up £900 anyway

and the chip and PIN machines at the counter cannot be used to get cash with a credit card - only with debit cards from specified banks. They have a limit of between £200 and £600 a day, depending on which bank, so £900 is not achievable anyway.

The only thing I can think of is that it was used to buy stamps or foreign currency - but that's purchases, not cash.

But anyway it's happened, and if the bank know all the facts they will certainly not stump up. Given that it was used several times they will probably presume disclosure of PIN anyway.

Um, ok. But I've just checked and on my bank statements where I've withdrawn money from the cashpoint at the Post Office by my work, it says "Post Office withdrawal"...

bigstevex

I'm pretty sure its in your T&Cs that you can't keep your pin with your card or something like that

ICan'tStandIt

exel1966 wrote: »

It's a TROLL posting. There are various first time posts here all from NAT78/82/89 with stories.

Sorry if this is a really silly question with an obvious answer, but what do people gain from posting such a story if it's not true ?

exel1966

Why ? There were 5/6 ? 'unbelievable' posts that day from NAT--, all first time posts, all with stories occurring simultaneously. MSE used to be relatively free of them, as it was with SPAM, but the more popular the site has become, the more spurious posts are seen. There was one in particular recently which attracted 200-300 replies, the OP just dissappeared, but others had begin to suss out that the topic had been lifted from other forums and had slight modifications made to it, though the OP did get lots of sympathy.

This is what Wikepedia says " A Troll is is someone who posts controversial, inflammatory, irrelevant or off-topic messages in an online community, such as an online discussion forum or chat room, with the intention of provoking other users into an emotional response"

Amy83

Troll or not, I'll admit to being one of those idiots who kept pin numbers for credit cards in my wallet once upon a time (new pin numbers arrived the morning I went on a boozy weekend to Dublin, so I just shoved them in my wallet intending to change them as soon as I got there)

Anyway, my bag was stolen that evening, and all my credit cards were used, they got about £7k in total, all from using the pin numbers I'd nicely left for them. My fault entirely, and I fully assumed that I be liable for paying it all back. Turned out not to be the case, I was charged £20-£50 from each credit card company for a 'pin number violation' or something like that, and the rest was wiped off.

The credit card companies can also see how quick the pin was entered, and on what occassion it was successful, so if you're considering lying then don't bother. Work with them, they might be nicer than you think!

amandaj52

Hi I know how you feel

Last year my son stole my debit card and over a two month period stole £1700 from my bank account

I went to the bank not knowing that it was my son however the bank wasn't interested. They said it was by my card and with my pin number. I never gave my son my pin number and I don't know how he found it out. The bank said that i didn't keep my card safe enough and so were not prepared to pay me back the money. My card was in my purse in my house in my bedroom in a cupboard. What am I supposed to do - carry the card in my hand at all times?? My son helped himself whilst his friend kept me occupied (so I later was told). In the beginning i said to the bank that I would go to the police and they said the police would not be interested. Now they say i will have to go to the police.

I am now going to FSA to appeal against their decision not to pay me back the £1700 and the charges that have occured as a result.

Any one experienced the same.

Martin what do you think. Is there anyway that I can win this case.

Nat82 wrote: »

Hello all.

I'm worried sick about this so wondered what people though please.

My husband had his wallet stolen while on a training course. He was at a hotel, went to lunch where hotel staff said the conference room would be locked. A man was loitering in the hotel lobby, he went in and stole my husbands wallet.

My husband stupidly had the pin for his Barclaycard in the wallet so the thief got 2 cash transactions of £250, then went into a post office and got a further £900. This was in a matter of hours.

Barclaycard are now saying he is liable for the full cost. On top of this they have put on all the charges and interest. They said we can appeal.

They raised his cash limit days before the theft, so my husband didn't get the letter until weeks later advising of the cash limit raise.

My husband has never taken cash out on his credit card. How can someone even take out £1400 cash in one day, I thought there was a limit?

Any advice greatly appreciated.