Massive chip and pin theft

schoolrunmum

Thanks Socrates...yes my husband and I still each have our debit cards. We have NEVER writted PIN down, card was used only once (by me) at a bank atm. I called bank before we left the UK and gave them the dates of departure and arrival back home. All frauds took place after we had left for UK.... surely the bank should not have allowed the transactions to go ahead if it was after the dates we had given them?Will keep u posted....SRM x

rb10

schoolrunmum wrote: »

I called bank before we left the UK and gave them the dates of departure and arrival back home. All frauds took place after we had left for UK.... surely the bank should not have allowed the transactions to go ahead if it was after the dates we had given them?Will keep u posted....SRM x

The bank wasn't to know that you'd left for the UK by the time the transactions took place ... all sorts of things could have happened that meant your return was delayed, meaning you needed to use your card in Spain after your expected date of departure.

schoolrunmum

True enough, for a limited time-but 5 days after our return date??? They are quick enough to put my husbands card on stop when he's abroad on business...

socrates

More importantly - what are the bank going to do about it now?

schoolrunmum

Well they have canx my card,and ordered new ones, and their fraud dept should contact me either ..
a/within a month (!!!!!!!!!)
b/next few days
depending on who you talk to at the bank!!
Local police not interested,at least I tried....

AngelaSinclair

schoolrunmum wrote: »

Well they have canx my card,and ordered new ones, and their fraud dept should contact me either ..
a/within a month (!!!!!!!!!)
b/next few days
depending on who you talk to at the bank!!
Local police not interested,at least I tried....

Hi there, sorry I've not been on the forums - I've been working some crazy hours over the last few days.

Ok, fraud team contacting you either within a month or a few days depending on whom you talk to is not good enough. You've had money stolen and they need to sort you out straight away. Like Socrates says this should be a much more straight forward situation and I'm not overly worried for you.

But, you never know and preventing things from getting difficult has got to be the best way to go.

Please, please, please call your bank and don't let them off the phone until they put you through to the fraud unit. You need to have some proof that they have a record of your claim and you need to know for sure that they are sorting it out. When you get through make sure you take the full name (they might try to fob you off with just a first name) of the person you're speaking to, note the time, date etc, tell them you're taking notes and ask them to clarify what they've told you. For example, if they say that they're looking at your case and that they'll be in touch with you in a couple of days, tell them you're holding them to that and remind them that you have their name.

You are a customer of this bank and you deserve to get your money back ASAP. There's no reason that you should wait days, or months just to talk to the fraud team.

Like Socrates and I feel, it's much more straight forward than my case but do not let the bank sit on this and keep you waiting, the longer it goes on the harder it could be to sort out.

Do let me know how it's going and I'm more than happy to help with any questions (no matter how small they seem - it can be a mine field dealing with this stuff) if you have further difficulties.

Good luck!

Angela

schoolrunmum

Thanks Angela-it's very worrying to me,not knowing if/when I'll get the cash back!Not to mention the fact I have no debit card in the meantime!Don't worry they said, go into your local branch and cash a cheque...well I would if I could but you closed my local branch down!!!

schoolrunmum

Right Ange-took your advice and got pro-active. By coincidence a mate of mine had a problem with A and L recently,so he gave me the direct line nbr for A and L fraud dept. Just spoke to lovely lady who tells me cash will be refunded in next few days-is it really that easy? Just taking my word that this is what happened? No paperwork?I'll believe it when I see it.....

AngelaSinclair

Hi,

that's great that you got in touch with them! Good going. It really could, in your case, be as simple as that. When my bank eventually decided to reimburse me the funds went back into my account within 24 hrs. So with you it could all be resolved in a couple of days.

I know it feels silly but I'd call for an update everyday until you get your money back, just to reinforce your point and keep them working on your account. I'd hate for you to be sat for another week without getting your money. Remember that you put your money in that bank, therefore you fund their business and you deserve to have access to information on what's happening with your claim. No two ways about it.

I hope it's all sorted as quickly as possible and you can breathe a sigh of relief! Fab that your friend could give you the fraud number.

Let me know, I've got my fingers crossed for you

Angela x

schoolrunmum

Fate, I think! When the lady answered the phone, I gave her a brief explanation of why I was calling. She asked my name and a/c number, and when I gave it she went.."Now that IS spooky..I've just called up the next job for me to look into , and its yours- I already have all your details here...."

strange...........