Debit Card Fraud

2803jb

Hello

My husband recently withdrew £40 from an ATM in a shop (one of those independant ones that charge you £1.50 per transaction.)

The following day on our statement, we noticed that the machine had taken £40, refunded £40, taken out £40 twice more and then charged us the £1.50 for each transaction.

After referring this to our bank (as in the end more than £80 had came off our account but not actually withdrawn) our bank is now refusing to cover us, as they say that we must have either withdrawn the sum, or have given our card and pin out for someone else to withdraw.

Can anyone advise what further action we can take, as this is blatant theft, and our bank has simply rejected our claim.

Any advise would be great!

Thanks,

Cumbrian_Male

Phone the police and tell them where the machine is and that your card was skimmed, get a crime number and ask your bank to again refund pending the outcome of the investigation.

2803jb

Thanks - that seems so obvious now...

James

Include the following in your letter (from the Banking Code)

12.12

Unless we can show that you acted fraudulently or without reasonable care, your liability for the misuse of your card will be limited as follows.

• If someone uses your card before it’s reported lost or stolen, or that someone else knows your PIN, the most you will have to pay is £50.
• If someone uses your card details without your permission and your card has not been lost or stolen, you will not have to pay anything.
• If someone else uses your card details without your permission for a transaction where the cardholder does not need to be present, you will not have to pay anything.
• If your card is used before you receive it, you will not have to pay anything


Try and involve the media soonest.

ITN New: Chip and PIN scams highlighted

http://www.itn.co.uk/news/index_f22cdc956e83585c7e1c4b38ca904ee6.html

Good luck

Click on to Chip & PIN at the bottom of the following page for a video:

King_Of_Fools

2803jb wrote:

My husband recently withdrew £40 from an ATM in a shop (one of those independant ones that charge you £1.50 per transaction.)

The following day on our statement, we noticed that the machine had taken £40, refunded £40, taken out £40 twice more and then charged us the £1.50 for each transaction.

Do you mean the transactions were as follows:
Link ATM Debit £41.50
Link ATM Credit £40
Link ATM Debit £41.50
Link ATM Debit £41.50

If so, it would seem that it would be more likely that there was a problem with the ATM network than fraud.

Ask your bank how it is possible for a independent ATM to credit money.