Left my ATM card in the machine and some one stole £200

uniteallaction

Left my ATM card in the machine and some one stole £200

The title really says it all and not really too sure if my card was stolen, after I used the ATM and someone memorised my number?

Or when I finished using the ATM, or after request thing a balance. I left the card in the machine and then simply walked away.

Then someone came along to see the screen before they used it, would say do you want another transaction they simply hit yes and then withdraw money.

I used the machine at 3.30 and the transaction took place three minutes after which meant that the card had been in the machine for three minutes before someone came along and took advantage of the situation, there seems to be no time out facility on ATMs which makes this type of theft very easy.

So very simple question is the bank responsible for the money that was stolen.

If they use this as an argument when I approached the bank.

And if they say that it was most likely me what is the best form of defence, Because the police have said that I have been a victim of theft and if so would the bank be responsible for paying back the money taken.:mad:

jamespir

if it was three minutes then there would be no way they could have accessed your funds with out knowing your pin number and they do have a time out on there

Typhoon2000

No the bank isn't reponsible for your negligence. Anyway those cameras they fit to ATMs would have filmed you taking the money anyway.

alfred64

For what purpose did YOU use the ATM ?

WEEGIE

As jamespir has said, there is a time out on all cash machines, there is also an audible bleep whivh should alert you to the fact that your card or money is still in the machine.
Your card comes out first, if you don't take your card the machine will retain your card, therefore no money will come out.
Me thinks you have lost the money in some way and trying to pull a fast one and see if it is possible to claim the bank.
If I am wrong I apologise in advance for any embarrassment caused.

LoopyPrune

You may find this useful in the future http://www.moneymatterstome.co.uk/interactive-workshops/atm.htm

Jaxb_2

LoopyPrune wrote: »

You may find this useful in the future http://www.moneymatterstome.co.uk/interactive-workshops/atm.htm

I like that cash machine, balance of £137.45 but still let me withdraw £200 :rotfl:

hippey

The card would have not sat in that machine for 3 minutes, they get 'sucked' back in after about 30 seconds and put in the card bin. Unlikely that someone guessed the PIN within 3 attempts.

opinions4u

uniteallaction wrote: »

Left my ATM card in the machine and some one stole £200

That was silly.

The title really says it all and not really too sure if my card was stolen, after I used the ATM and someone memorised my number?

If you haven't yet reported this to your bank, then you are creating the possibility of further losses on your card.

Or when I finished using the ATM, or after request thing a balance. I left the card in the machine and then simply walked away.

Too much to drink?

Then someone came along to see the screen before they used it, would say do you want another transaction they simply hit yes and then withdraw money.

You assume.

I used the machine at 3.30 and the transaction took place three minutes after which meant that the card had been in the machine for three minutes before someone came along and took advantage of the situation, there seems to be no time out facility on ATMs which makes this type of theft very easy.

ATMs do have a time out facility after which the card is swallowed. If somebody stepped in and checked a balance etc after you walked away though, they could have used other ATM facilities in those 3 minutes.

So very simple question is the bank responsible for the money that was stolen.

The bank should argue that you have been negligent and tell you to do one. You will need to argue back that the Consumer Credit Act gives you protection and they will, after a battle, have to back down and reimburse. Unless they can show that you actually took the cash. They will, no doubt, check the CCTV to confirm what happened.

And if they say that it was most likely me what is the best form of defence, Because the police have said that I have been a victim of theft and if so would the bank be responsible for paying back the money taken.

If I leave my front door open and my plasma TV gets pinched I am a victim of theft caused by my own stupidity.

TFD_2

uniteallaction wrote: »

I used the machine at 3.30 and the transaction took place three minutes after which meant that the card had been in the machine for three minutes before someone came along and took advantage of the situation, there seems to be no time out facility on ATMs which makes this type of theft very easy.

Seriously?

How do you it was 3.30 exactly that you visisted the machine and 3.33 exactly that the cash was withdrawn? You rememeber to note the exact time of visisting the machine, but didn't notice you had left your card in it.

Troll alert.

MsAnderson

Not sure if all machines are the same, but I think you have to take your card out before you get the cash? If the card isn't removed, it gets pulled back in and the cash isn't vended. Having said that, I stood behind a young chap at an HSBC atm once and he was on his phone, during an excitable conversation he walked off without taking is card or his cash - I am pleased to say I spotted this and shouted him back. He did look particularily sheepish. Bless.