Cash machine stole my money - £160!!!

beaney50

Put a knife or something wider up the pig and you can slide the money out withiut breaking it.

my_gorgeous_ellie-belle

I pay bills in cash as i only have an electron account now- from getting out of debt in the past. I have come accross countless times when you attempt to pay a bill by card and they tell you it has come up declined, you then check your account and the money is then held, it then takes 3 days approx for your money to come back into available and then just to go through the whole process again. Hence the paying in cash - less hassle. It's one of the 'perks' of an electron card, lol!

No joint account - thats what got us in debt in the first place, OH is not great with keeping track of his money and often overspends, which means accidently spending mine. This way i keep my card at all times, but if i desperately need cash and cannot get out (started when i was ill) he'd go and fetch it if you like.

Somehow we will be ok - we don't really have any family and it's only until friday. I am just worried now that as i let him fetch the cash they'll say no. I am sure the the balances will not be right as it did say after saying please take your cash, we are unable to process your request. I just am a bit spooked by the way they were quite blunt with me as if i had commited fraud I really can't afford to lose £160, i wouldnt be so worried had it been just £20-£30.

mandragora_2

Is there someone in the family who might give you an early birthday present, and do an online shop for you to tide you over? I would, if you were mine... Or you could come round ours for tea - I'd even rattle around in the caravan cupboards and see what we've got in there as store cupbaord spares you could take away...

All the best with this one.

mandragora_2

Ok, no family. Our caravan cupboards are open for you, then

my_gorgeous_ellie-belle

beaney50 wrote: »

Put a knife or something wider up the pig.

:rotfl: thats sounds soooo very wrong. I know what you mean, i'll give it a go and see if i can fish anything out - i remember doing this when i was a kid.

I hope the nursery take my daughter tomorrow even though no payment - they are one of the ones the electron declined thing happened with in the past, 3 times if i remember correct.

Lol, thank you Mandagora...i wish we had relies like you!

3plus1

If you were a friend of mine, I'd think you were a bit daft for giving your OH your pin number, but I'd do a Tesco shop online and get it delivered to you. If you do have a friend where you are, don't be ashamed to ask for a bit of help!

To be honest, if you think your OH has a problem with money, giving him your bank details is maybe not a smart idea, even if it's convenient. As I said earlier, you are breaking your agreement with your bank - but you're also putting temptation in your OH's hands. Not having a joint account to prevent your OH from spending your money doesn't really mean much if your OH has access to your money anyway.

Would it be possible for your OH and you to set up a basic joint account for essential bills only? You say you were/are in debt, so I don't know if that's a realistic suggestion or not. Direct debits for bills? If you're really living hand to mouth, again, that might not be an option, but I do think you need to find some sort of way to manage your finances without sharing pin numbers on individual accounts.

You say an ATM swallowed your money - and I don't doubt your or your OH. But the fact remains that you've done something you shouldn't have, you're feeling worried your bank won't give you your money back as a result, and you shouldn't have to feel concerned. It's not as if you took the money and lied about it. Which is why I suggest you need to change something here. If nothing else, so that if anything else horrible happens with your bank in the future, you can feel confident they'll back you and sort things out.

my_gorgeous_ellie-belle

3plus1 wrote: »

If you were a friend of mine, I'd think you were a bit daft for giving your OH your pin number.

Why? It's the guy i have know and has been my best mate/boyf since i was about 13. Not someone i have only been with 6 months or so. This is the guy that knows my life history, my every flaw, my blood type, my family health history. He is clumsy with money because he is not good at maths, at all. He can go to a shop spend here and there on stuff and find it difficult to realise how it all came to so much - now i know many people have that shock from time to time when they look at their bank statement and go OMG! He is certainly not bad with money as in he would steal off of me. Am i the only one that thinks its ok for your life partner, if you like, knows your pin? Lol, makes me think it's weird that someone could know everything about you, but no not your pin. To us its not that big a deal - its not like i would be stupid to give it to anyone else - or write it in my purse/diary/phone like i know many do!

With a basic account you can only have one so mr bank manager in Halifax tell's us...neither of us can open another as we have had ccj's some years ago. So we each have an account, he has a direct transfer into mine for his share of bills and it all comes from mine. It's just the way that works for us. That way he cannot overspend as once he hits zero that is it. It works and he is learning to budget - i don't see what is wrong with that? It's not a trust issue - as he has never intentionally taken/spent my money...he is a very clever guy but has a massive downfall on figures, thats all.

my_gorgeous_ellie-belle

Ok, sorry to have that last rant - i suppose it's down to how well you know your partner and what you trust them with. It's funny but i kinda wouldn't want to have a husband who i COULDN'T trust with my pin. I shouldn't be worried that THAT person could ever run off with my money, lol!

I am sure in that context most of you could understand what i mean - i was probably wrong to let him to take the cash out, maybe i should have been there and physically done it myself but it's just something i wouldn't have thought twice about and certainly would have kept my daughter out screaming as she was in the cold/wet weather when it was as simple as him fetching the cash - we used to have joint accounts so it's kind of become norm that if i really can't get there he'll go for me. It just seems to be an unfortunate event, thats all. We will be ok - and fingers crossed i'll get my cash back.

so2006

If you are really having that much problems and you think you can not cope. Get in contact with the job center and literally tell them to lend you some cash, explain what happened etc and they should understand.

I use to do it all the time But that was quite a while ago, and use to be a cheque thingy you cash in the Post office.

The bank will get this sorted, but ring them up and ask them that you would like to have the £160 credited to your account, so you can at least get the bills paid etc, and if they dont decide it in your favor, Tell them you will repay it, Always tell them you have been with them X many years and you have never had problems. In most cases banks will try and help. But there might not be any hope.

I hope you get it sorted!!!!

And you can trust you OH.

shellnapier

i dont judge u, i think its pure crap on the banks part nothing more!!! i know my ohs pin, and he knows mine, i also have a card for his account, but sometimes i forgot it and use his.... i once got called up in a show for doin ti, and they mind me sign the receipet to say my name and addres....more chance of me rigting down a fake name, than noing his pin! never mind. i feel the bank should be giving you back the money straight awa, did he tak out a reciept as well???