Debit card fraud... bad day for me.

fluffnutter

I know it's not possible for everyone, but I always try to use my credit rather than debit card, particularly for internet shopping. I'm happy to use my debit card in, say Waitrose, but never at a garage and never on the web.

That way, it's far less likely that your current account will be fleeced. Also if you do have to cancel a card it's only a credit card and generally not so much of a pain as your bank card. I also think that the Consumer Credit Act gives you a bit more protection (although I think this may apply to all Visa debit cards as well now?)

boliston

papple77 wrote: »

...ahh the joy of returned items charges from the bank to top it all off.
GUTTED

Pretty sure the banking code says they cannot apply charges if fraud caused you to go over limit and accrue return charges.

brokeinyorkshire

Any bank charges incurred as a result of fraud on a customers account are refunded as the bank is under a duty to put the customer back into the position they were in before the fraud took place..

blue-bells_2

papple77 wrote: »

Just been informed by my bank (LLoyds) that over 3K has been spent in William Hill bookmakers in the last 3 days on our debit card in the london area(plus someone was hungry as had KFC too on me!) Bank holiday here and overdrawn.....marvellous,no access to funds and D/D's still to be paid (plus a recently sent hoilday cheque no doubt to bounce)......ahh the joy of returned items charges from the bank to top it all off.
GUTTED

That's awful :eek: I hope Lloyds get it sorted soon- they shouldn't charge you for returned items surely as they're aware of the circumstances?

boliston

I'm not sure what happens in cases where a DD gets returned and the bank refunds the DD return fee but you then get charged for "failed DD" by the payee company such as phone, utility etc.

Presumably they would have to refund you if you could provide them of proof that it was caused by no fault of your own, such as a bank statement showing the returned fraudulent charges.

RobertoMoir

topbargainhunter wrote: »

this has happened to several people I know of, and I always find it strange that the banks always allow the fraudster to go over your overdraft limit (sometimes by thousands), rather than reject the transaction.

On the other hand there have been plenty of posts here ranting about how someone's bank were unreasonable when they didn't let them go over their limit a bit "because it was a thursday and I always get paid first thing friday and they should know that by now".

Don't have a lot of sympathy for banks but I'm gonna have to say I have a little sympathy in this case.

I_know_my_ABC_and_my_CMYK

brokeinyorkshire wrote: »

Any bank charges incurred as a result of fraud on a customers account are refunded as the bank is under a duty to put the customer back into the position they were in before the fraud took place..

The card holder is actually liable for the first £50 regardless. The banks actually have the right to do this.

Having said that most banks will refund 100% but if their is any doubt about your security you will be given £50 less back.

Toe-Jam

papple77 wrote: »

Just been informed by my bank (LLoyds) that over 3K has been spent in William Hill bookmakers in the last 3 days on our debit card in the london area(plus someone was hungry as had KFC too on me!) Bank holiday here and overdrawn.....marvellous,no access to funds and D/D's still to be paid (plus a recently sent hoilday cheque no doubt to bounce)......ahh the joy of returned items charges from the bank to top it all off.
GUTTED

3K at william hill, whatabout all these fraud systems they are suppose to have, surely that looks a bit unusual !

boliston

I_know_my_ABC_and_my_CMYK wrote: »

The card holder is actually liable for the first £50 regardless. The banks actually have the right to do this....

I wonder if this has ever been tested in court.

If I had a fraud that I played no part in, such as my card details being "skimmed" by a member of staff at an online retailer then I'd be damned if I'm going to pay the card company 50p let alone £50 and my attitude would be "see you in court".

anon_ymous

^ Same as above. With me, if Barclays were to say that to me, Id take them to small claims