Furious with bank

wilt44

I wonder if anybody could offer me some advice. Last month my partner went to my bank to draw some money out with my card for our holidays.when she got to the ATM she realised that she could only draw £250 out and we needed £300 for currency. She proceeded into the bank and to the till points as nobody was available to enquire at the desk. when she got to the till the lady took the card and my partned explained that she would like to draw £300 out. Before she had chance to explain that the card wasny hers and what could she do the lady swiped the card and started processing the transaction. the slip was passed to my partner to sign for the withdrawl and she signed it in her name and the cash was handed over.

My first point is that she is obviously a different sex and the Mr on the card might have give it away that it wasnt her card. She also signed it in her name with a different surname and nothing was said. How should I approach this to the bank and also is there anybody but the bank that i can complain to ????

iceicebaby

Not only should the bank not have given your OH money, but your OH should not have been taking money out of the ATM on your behalf either!

Xbigman

Complain in writing to customer services. If you don't get a satisfactory answer then ask in branch what their complaints procedure is.Most likely the cashier will get spoken to or might get a written warning.

However, as your partner took the money she might technically be guilty of fraud, although its highly unlikely anything will happen as she had your permission.
In your case the bank could withdraw your card on the grounds you have misused it. IE you let it out of your possession and revealed the pin to someone else. You would also have a hard time getting your money back if you were ever a victim of real fraud in the future.

Personally I'd just chalk it up to experience.
Regards


X

shellsuit

Your partner told the clerk that she wanted to withdraw £300 out - why if it wasn't her account?

needaspirin

What are you complaining about? You got the £300 that you required. You are guilty of giving your card to another person to use. Your partner is guilty of fraudulent use of the card. Be thankful that you both got away with it.

dunstonh

If you complain to the bank, they could decide to report it to the police as your partner commited fraud. So, whilst the bank shouldnt have paid out, it could cause more problems if you do complain.

Astaroth

You have a double edged sword here....

1) the bank did wrong in giving the money out

2) your partner was using someone elses card

3) you have given your card and pin out to someone

Guess it depends if you want to take the risk of the consequences for making the complaint

stacey21_2

Hi,

I think the only reason someone else can use your card is with power of attorney.
I dont get how your gf 'didnt have time' to tell the clerk - theres plenty of time to speak up - while the clerk is typing in the details - while shes counting out the money (2 or 3 times) - while shes printing the slip - while shes handing it over - while your gf has the pen in her hand to sign YOUR account slip - plenty of chances.

I wouldnt complain for the same reasons as above.

sali_mali

Surely the OP should let the bank know what happened though? OK, in this case it was his girlfriend, who had his permission, but what if it was someone who'd stolen his card?

I'm no expert, but I'd have thought it's the cardholder's responsibility as to who he entrusts his PIN number to. As I understand (correct me if I'm wrong), the girlfriend wasn't asked for a PIN, just asked to sign, which she did in her own name

I think he should let the bank know, maybe not as a complaint, but so that they can tighten security to prevent it happening to someone who's had their card stolen

stacey21_2

I can see the bank having a case of sour grapes about it and retaliating by starting proceedings for fraud to be honest.

sali_mali

stacey21 wrote:

I can see the bank having a case of sour grapes about it and retaliating by starting proceedings for fraud to be honest.

Doesn't the person who has been frauded against (I'm sure that's the technical term :rotfl: ) need to press charges, in this case the OP? Genuine question, I have no idea