Massive chip and pin theft

dacouch

There are plenty of ways of obtaining a pin number some do not even require the person to watch you or for it to be filmed etc.

Is it possible the person who served you in the bar could be involved?

Is the debit for the drinks you bought from the bar are on your statement?

Money_Grabber13579

The thing is, how did your card get nicked? If you had a few too many, the bank might rightly find that you have been negligent.

AngelaSinclair

dacouch wrote: »

There are plenty of ways of obtaining a pin number some do not even require the person to watch you or for it to be filmed etc.

Is it possible the person who served you in the bar could be involved?

Is the debit for the drinks you bought from the bar are on your statement?

There's one debit coming up on my statement for £14.00, BUT it's coming up as cash and I made TWO payments in that bar, only one is showing up. Does that mean anything to anyone?

I still have the two receipts for the drinks I bought - NOTE - in my purse so I wasn't being negligent, I was so careful to keep my receipts. Someone must have really been watching me. The place was packed and all I can think is that they've gone into my handbag and taken the card out.

socrates

Money_Grabber13579 wrote: »

The thing is, how did your card get nicked? If you had a few too many, the bank might rightly find that you have been negligent.

Rightly???

Excuse me.

The poor girl was targeted - this particular outfit have been more negligent than this girl could be if she lived for a million years!

Jeeeez!

AngelaSinclair

Today, so much worry and gratefulness for all of the advice. Tomorrow, Argos.

socrates

AngelaSinclair wrote: »

Today, so much worry and gratefulness for all of the advice. Tomorrow, Argos.

You go girl!!!!

dacouch

Check the receipts from the bar to make sure they look correct eg have the same merchant number and the receipt numbers look right.

You don't by any chance have a card in your purse that shouldn't be there by any chance do you eg a card in someone elses name by any chance

James

There's another story in today's TIMES (second item down on this page - click here). titled - Dealing With Stolen Debit Card.

It's about a seriously ill, almost blind 89 year-old in hosptial who got turned over for £7,960 over 15 days.


Diana Wright from The Times got involved and managed to recover half the amount.

If I were Diana I would have been asking the card issuer some hard questions.

1. Can you show that the old gentleman had been 'careless with his PIN?'

2. Did you (Card Issuer) make the cardhodler aware that a Chip & Signature card may have been more suited to him?

3. Why are you offering 1/2 the amount of the loss if you can 'prove' the victim had indeed been careless.

AngelaSinclair

The Argos manager is looking into the transactions. Hopefully she will come up with something I can take back to the bank. The story about the 89 year old man is terrible. They say "as a goodwill gesture" they're refunding half the amount. That's such an insult and so awful to leave such an already vulnerable person in that situation.

I'm now wondering what my next course of action is with the bank. So far charges are amounting to £133.00, all to come out of my account on the 12th May. Of course there is no money in my account, it's been stolen and I don't get paid until the 15th. In which case, covering the overdraft that wasn't run up by me, paying the charges I didn't cause, catching up on my rent payment - two will now be coming out of one month's wages totalling £1260, I'm left with nothing.

Should I put my wages in my father's bank account and have him send me money via the Post Office or something so I can at least live while all of this is sorted out?

I can't believe how quickly you can be staring at financial ruin in the face.

Again, many thanks. I hope that I can do something with all of this to help others who find themselves in the same situation.

opinions4u

Should I put my wages in my father's bank account and have him send me money via the Post Office or something so I can at least live while all of this is sorted out?

Or get another account opened fairly swiftly to get them paid in to, or pay them in to a savings account if you have one with a cash card.

You also need to manage the situation very carefully with companies you pay direct debits to and ensure that

1) They get their money
and
2) Don't penalise you in any way

Good luck.