£500 stolen from bank account .

ginger_nuts

My friend has had £500 taken from his Bank Account .
it was spent in Comet , River Island ,and Stage Coach .
His Bank (northern ) say they have 55 days to investigate .
My question is do the bank give him back the £500 or is he at a loss .

AndyR_3

If their investigation shows he wasn't the person making the transactions, then they will refund. It may speed things along if he reports this to the police and gets a crime number,

JoseChungsDoomsday

normally they would refund him - however we are talking about the northern so who knows

M_Thomson

JoseChungsDoomsday wrote:

normally they would refund him - however we are talking about the northern so who knows

I am sure they will. As long as he gets a police report and a crimer reference number.

Alfie_E

ginger_nuts wrote:

His Bank (northern ) say they have 55 days to investigate.

That’s rather disingenuous. The eight weeks (fifty six days) relates only to the minimum length of time you must wait, before you can involve the Financial Services Ombudsman in any complaint. It doesn’t mean it’s acceptable to make your friend wait until the fifty fifth day, before the money’s finally returned. Northern Bank subscribe to the Banking Code, which states as a “key commitment”, “We will deal quickly and sympathetically with things hat go wrong and consider all cases of financial difficulty sympathetically and positively.”

However, with the recent introduction of Chip and PIN, things are not quite so simple anymore. Where’s one of James’ posts, when you need them…?

ginger_nuts

My friend is in Northern Ireland ,yes we do have a Bank that got 26 million stolen from its head office but we dont have Comet or Stage Coach .

savingstill

sounds like the card was cloned - please tell me his/her card was cancelled & replaced?

ginger_nuts

card cancelled not replaced yet . Money taken on Thursday card cancelled on Friday .He has used his card on ebay & amazon recently .guessing it could be related to that but dont really no

James

Sorry to learn of your friend’s misfortune – unfortunately other forum contributors are having similar experiences:

Fraudulent us of card.

Answer to your question is yes. Your friend should get his money back.

FWI, and to speed things up, here’s what I advise your friend to do:

1. Inform the police ASAP.

2. Tell Northern he’s done this and insist they liaise with Police. Have Northern confirm they've done this.

3. Ask Northern how the transactions were verified – if it were by PIN* then Northern might attempt to wriggle. (see Alfie E’s post linking to my posting).

I can guarantee Northern asked your friend:

• Was the card in his possession at all times?
• Does anyone else know his PIN?

* I would have imagined that any crook with the PIN would have hit an ATM for cash, rather than retailers for goods.