Short changed by cash machine

shown73

OH tried to withdraw £300 from cash machine today, as branch was closed by this time, and was only paid out £270. Is there anything that can be done, I wonder? Her statement shows £300 deducted. Normally bank at HSBC, but this was a Lloyds cash machine. Certainly put a damper on Saturday, and its something that has always worried me. How can you prove that you were short changed? Wouldn't normally draw out so much from machine, but it was a bit of an emergency. The cash was a mixture of 10's and 20's, and I just wonder if the b----y thing ran out of cash. If so, its lucky it didn't come up £290 short!!

lucylucky

I assume you have already let your bank know and complained?

stclair

You would need to contact your bank and raise an ATM dispute.

They will then contact the bank in question to see if there was any issues etc with the ATM on the day.

property.advert

I raised this years ago and initially came up against a brick wall, i.e. money in ATM reconciles with computer etc. However, after a lot of digging and probing, I managed to find out that they don't actually count the money going into the machine but rather accept any count done by another party.

MME_2

As stclair states, go into a HSBC branch and raise a dispute. HSBC ATM operations will then get in touch with LTSB who will contact the branch involved. Technically the ATM should be £30 over which will be discovered when balancing.

If you're extra lucky and depends how savvy the staff are at that branch, they might do some extra digging after balancing the ATM. Your transaction should appear on an irregular transaction report that is sent daily for each ATM to each branch (this is provided the ATM recognised a possible error at the time). In this case LTSB should send the money back via their ATM operations.

shown73

Thanks for the replies. I assumed that it was hopeless, but first thing Monday, we'll be down to the High St.!! I'll let everyone know how we got on, could be usefull info.

MME_2

I should make it clear that my 2nd paragraph is relating to staff at the LTSB branch where you used the cash machine...HSBC won't have this information. All HSBC can do is the dispute but don't go into LTSB because they won't be able to tell you anything.

lucylucky

shown73 wrote: »

Thanks for the replies. I assumed that it was hopeless, but first thing Monday, we'll be down to the High St.!! I'll let everyone know how we got on, could be usefull info.

Have you phoned your bank already to let them know?

You should do/have done this as soon as possible.

inneedofmoney

I used a ATM in Spain once with my Nationwide card and no money came out. I reported it to the bank in Spain and they checked their ATM report and agreed nothing came out. I then emailed Nationwide and told them the problem - It took about 10 days (only so long as foreign bank I think) they had to contact bank in Spain etc but they did give me my money back into my account hth

Dan_Gleebitz

This has happened to me before. The following should happen.

You requested £300 so the system asked your account if £300 was available to pay out and your account accepted the amount of £300 to be debited.

The machine issued you £270 then ran out of notes and closed down.

The machine/system knows that you have only been paid £270 so a credit of £30 will/should be automatically applied to your account.

Dan.

opinions4u

Dan_Gleebitz wrote: »

This has happened to me before. The following should happen.

You requested £300 so the system asked your account if £300 was available to pay out and your account accepted the amount of £300 to be debited.

The machine issued you £270 then ran out of notes and closed down.

The machine/system knows that you have only been paid £270 so a credit of £30 will/should be automatically applied to your account.

Dan.

While that is one scenario, it doesn't follow that it's the only scenario. The machine doesn't always "know" it's made a mistake.

The OP should, as now planned, visit the bank, report what happened and will almost certainly get the money back.