Furious with bank

going2die_rich

Unless it was a joint account, do you really want to tell the bank you've breached it's terms and conditions that you've not only given your pin number to someone else but you also authorised them to go and withdraw money for you in your place?

You might do it to people you trust, but telling the bank won't stop them blaiming you, especially if in the future someone used it fraudently then you came running to them to say help. As they'd say how the heck are they meant to know who you have and haven't given your pin etc details too.

Had it been a fraudentlent act of using your card, obviously you'd have been refunded the amount since they were not you signing for it.

Don't think you want to complain to anyone unless you want to get into trouble yourself!

dunstonh

I don't know - but I very much doubt that the bank would initiate fraud proceedings or even ask you to close your account if you complain to them; they just handed over £300 of your money to someone who isn't you! You have them over a barrell.

Fraud unlikely, close the account possible or withdraw cashpoint facilities. Back in my banking days we closed a few accounts for that reason.

We have all said the bank is wrong but so was the OP and his Girlfriend. They would deal with the complaint accordingly but they would look at all things that went wrong and deal with them all. You may get a jobsworth that applies all the rules to the letter. Staff member gets a slapped wrist and probably costs them a bit of a payrise next year and customer gets card services removed and/or account closed.

A branch which has recently had a spate of unauthorised card withdrawals may be more draconian with their response than one that hasnt. If in an audit the inspectors point out the card suspense account has too many card claims going through on it, expect that branch to take a stronger line.

In reality, we dont know what they bank would do but we do know what they can do. Its a case of whether you choose to run that risk by notifying them of their error.

Sausage_Roll

IMHO you have every right to be furious with the bank. The Teller obviously dealt with your partner poorly - taking the card, not giving your partner the opportunity to speak, most probably by not making eye contact and/or acting like tate - 'Bothered'.

Then he/she accepted a completely different signature as to the one on the card, as well as not noticing the sex difference.

And then, He/she hands out £300 cash from your account.

I'd be raving.

Sure you were in breach of the contract conditions by authorising someone else to use your card and giving them your pin, but to be honest anyone (including bank managers) who has had a serious relation with trust in it can most likely relate.

I doubt the bank could press fraud charges against your partner, as I'm sure you being the 'victim' would have to want press charges.

Mark7799

Sausage_Roll wrote:

Sure you were in breach of the contract conditions by authorising someone else to use your card and giving them your pin, but to be honest anyone (including bank managers) who has had a serious relation with trust in it can most likely relate.

I doubt the bank could press fraud charges against your partner, as I'm sure you being the 'victim' would have to want press charges.

Maybe everyone does but what about marital splits and vengeful partners? The 'serious relation with trust' can't be relied upon - the account holder is responsible, end of! The only way the Bank would press fraud charges against the OP's partner is if the OP launched a prior claim against the Bank. I think the OP should put this down to experience - yes the Bank messed up big time but the OP was partly responsible by their actions.

Fait_accompli

RichyRich wrote:

Oh come on let's be honest! Have you honestly never given your card to someone else to draw money out of the cash machine?

Absolutely not!

If ever I lose my card or it gets stolen, when the bank asks me if anyone else knows my PIN when I report it, at least I can be honest and say no.

I can't believe people are so stupid to give out their PIN - as other posts state, it's against the terms and conditions of your account!

And with regards to the OPs girlfriend; she obviously intended to commit fraud by walking into the branch to request 300 pounds as opposed to 250 pounds - otherwise what was the benefit of bothering to go inside?!

Robert_Sterling

RichyRich wrote:

To be truthful the OP's girlfriend was supremely stupid by pretty

Well that OK then.

pboae

Sausage_Roll wrote:

I doubt the bank could press fraud charges against your partner, as I'm sure you being the 'victim' would have to want press charges.

A few years back my debit card were stolen and used. The police wouldn't even let me report it as a crime, and insisted the bank had to report as they were considered to be the victim, not me.

Sausage_Roll

Mark7799 wrote:

Maybe everyone does but what about marital splits and vengeful partners? The 'serious relation with trust' can't be relied upon - the account holder is responsible, end of! The only way the Bank would press fraud charges against the OP's partner is if the OP launched a prior claim against the Bank. I think the OP should put this down to experience - yes the Bank messed up big time but the OP was partly responsible by their actions.

Sorry, never meant it to appear as if I was trying to say the account holder shouldn't be responsible - I accept that if you do give your pin to someone else, as the OP did, then of course you will be held responsible if a situation like you described arose.
Was just trying to highlight that a lot of people do do it - anyone reading the first page of this thread would think it was an atrocity never to be spoken of!

flossy_splodge

The answer is really quite simple. If you have that level of trust and openness then set up 3rd party authority on whatever account you want to so your other half caan access it legally. I have this for 3 people; my 2 daughters and my elderly father. In each case we went together to the bank, said how we wanted things and it was then all legal and above board. Different banks/building societies have different names for this eg Yorkshire bank call it an "authority to operate" but they all seem to do it slightly differently. Some just require a sample signature from the 3rd party and then a letter of authority to be shown at the time (Bradford and Bingley do it this way). Easier than putting yourself at risk.:eek:

geordie_joe

The OP and girlfriend might have a joint account?

Then again, what if the card had been stolen and it was thief who was withdrawing the £300?