Debit card eaten by cash machine

dmg24

MME wrote: »

Your husbands card was retained by a LTSB machine so yes it gets destroyed. Another bank don't know why the card is retained or even if your husband is who he says he is so why would they give it back?

I was able to get my 'swallowed' Barclays card back from a Lloyds branch. I just needed to take in some photo ID and a bank statement. This was only last year, and I am not aware that things have changed since then.

opinions4u

dmg24 wrote: »

I was able to get my 'swallowed' Barclays card back from a Lloyds branch. I just needed to take in some photo ID and a bank statement. This was only last year, and I am not aware that things have changed since then.

They broke the rule for you!

MME_2

opinions4u wrote: »

They broke the rule for you!

Indeed, it's a LINK agreement that the cards be destroyed.

[Deleted User]

MME wrote: »

Indeed, it's a LINK agreement that the cards be destroyed.

yep LINK
new card should come soon

Venusflytrap

MME wrote: »

Your husbands card was retained by a LTSB machine so yes it gets destroyed. Another bank don't know why the card is retained or even if your husband is who he says he is so why would they give it back?

My point is that the card is not immediately destroyed on retention by the ATM. They would've been able to verify his identity by requesting ID and taking him through rigorous screening.

dtaylor84

No, they wouldn't. They have no information on the legitimate owner of another bank's card.

MME_2

As above. If a card is retained by a bank who has not issued it, then it is destroyed (or should be). It's not banks being awkward, they are required to do so.

If it was your own bank then yes, then can give it you back provided there are no problems.

Dr_Cuckoo3

ses6jwg wrote: »

They wouldn't have given him the card back if it was his own banks atm anyway.

There is obviously a marker on his account such a fraud or "account abused" block.

Has he made any large transactions or suspicuous looking ones lately?

Is his account well managed?

was the card in date?

It wouldnt have swallowed the card for no reason at all.

cards can get jammed in the slot when the ATM attemts to return the card , a card carried in someone's back pocket may become slightly bent for example

If the card catches the top (or bottom) of the card slot it will be retained by the ATM after a few attempts to eject

The ATM could malfunction or go out of service with the card still inside

Someone could take too long to remove their card

none of the above scenarios are account conduct related card retentions

One of the advantages of holding accounts with numerous banks is that staff at the bank owning the ATM in which the card has been retained will return it to the customer even though the card was not issued by their bank

The_Last_Chance

In all honesty - it's just sod's law in regards to the card being retained.

If his card is out of date, bent, scratched or even if he may have put it in the wrong way these are all reason's it could have been retained. However, having worked with these machines it can be a faulty card reader on the machine, dust in the machine etc; Even brand new cards can be retained for no reason.

When a card is retained it is pulled into a reject bin - every bank has its own rules in regards to returning cards - most only for positively id'd account holders with that bank. The others are later destroyed by the bank staff.

Banks love other bank cards being used in their ATM machine - the reason being the other bank pays a small fee every time a transaction is made to the other bank. So when a Barclays card is used to withdraw cash at a Lloyds TSB ATM - Barclays have to pay Lloyds for the privelidge.


In all honesty, it will be most likely that your husband's card was just retained on this occasion through randomness. It could have happened to anyone. The branch staff have probably given you the runaround as they want an appointment with your husband because he works and they've identified a sales opportunity whilst they fix the magic marker on the account (which the telephone call centre knew nothing about) they would suddenly realise your husband didn't have the (insert flavour of the month product) and had not been told about it - but whilst he was in branch at the time they will update him on it and set it up for him.

:beer:

Venusflytrap

@Dr Cuckoo3: Card wasn't bent or damaged. He said he simply entered his PIN once and the ATM displayed a msg saying "Card retained. Contact your issuer." I'm beginning to wonder if the card may have been near expiry... hubby wouldn't know as the bank normally sends a replacement a month in advance of expiry.

@The last chance: My hubby wasn't too pleased when I told him that the bank was giving him the run around. He seemed to think that they were doing all they could. But my question as to why one branch sees a caution marker on the card and the other branch doesn't remains unanswered.

In the meantime i'm making some good interest loaning him cash until his card arrives. Kidding!