Card left in ATM

nearlyrich

But once the cheque has been paid in it usually asks if you want another transaction, how did the second person get the money uness the OP's wife left the card logged in so the next person didn't have to use the pin etc. I don't think there is much chance of getting it back to be honest as it the responsibility of the cardholder to keep the card safe.

DilbertJones

This kind of happened to me once, i got to the cash machine & it was beeping like mad, someone had left there card in & walked away, on the screen it said do you wish to do another transaction, like a silly young man, i pressed yes, withdrew about £200 & walked away.

Then i started to think about what I had done, and within 45 mins I had drove to the bank in question & handed it all back.

HGLTsuperstar

And what was the outcome ie. did your good deed of handing in the card, cancel the impact of your stealing £200 (even though you later returned it?

kevin

Thanks for all the helpful responses.

You're right to point out that the person who took out the money may not be the same as the one who handed the card in.

We can't get a response to any questions from the Halifax, they just keep saying they are investigating it. You speak to a different person each time you call, none of whom have the information available. It is actually impossible to find out who is dealing with the case. We're well aware this was my wife's mistake (which she'll never make again) - we're just waiting to see how the bank respond, 'gross negligence' implies to me a purposeful event.

To 'headcovers' - I admit my wife may have made a costly mistake by leaving the cashpoint without her card, but she's unlikely to forget taking out £200!

rdcuk

It's a shame it was your own bank. If it was a LINK or Visa ATM then you dispute it with your bank and they re-charge the amount to the acquirer. In reality, the acquirer usually just pays the amount as it's too time consuming to investigate.. Also there are more rules imposed about the screen flow of the ATM, when it's the bank's own network they can (within reason) do what they like.

HGLTsuperstar

Robodan, no more to your story?

Russe11

I left my card in the machine a while back, but I never realised..

later that day I went into bank to pay some money in, when I got to the counter I was asked did I have a missed call on my phone.

Then the said card left in the machine was given back to me no questions asked, not till afterwards did I realise how the bank did not even question me or say that my pin would be changed.

The card had been out of my site, and then later handed in to the bank.

Though luckly my card had not been used, how I got the money out of the machine before taking my card is still a mystery to me.

ianian99

your wifge must have left it actually in the machine for someone to withdraw the £200
It was probably the person behind her, went to the machine saw "would you like another sevice" and thought YES i'll have the max £200 please and switftly done a runner, then the person after them saw the card sticking out the machine and handed it in. As for cctv etc , well they aint going to bother checking that, especially the police due to ity being only £200. If that is what ahs happened then she is probably liable for the lost money

Jay-Jay_4

ianian99 wrote:

As for cctv etc , well they aint going to bother checking that, especially the police due to ity being only £200. If that is what ahs happened then she is probably liable for the lost money

I disagree, the police are likely to view CCTV if it's available, they don't have a limit where they do not investigate below a certain amount. The problem is that CCTV isn't often around external ATMs and unless it was in a busy town area or a high crime area, it's unlikely that there will be council CCTV situated around the ATM.

ianian99

Jay-Jay wrote:

I disagree, the police are likely to view CCTV if it's available, they don't have a limit where they do not investigate below a certain amount. The problem is that CCTV isn't often around external ATMs and unless it was in a busy town area or a high crime area, it's unlikely that there will be council CCTV situated around the ATM.

bet they dont, do you think they have the time and resources to check the cctv footage every time someone loses something because really thats whats happened