Help, just lost 250£ at an ATM

Voyager2002

olly300 wrote:

and you can probably get an account with an extra card so your dad has permission to withdraw money out on it.

sadly, this is not possible. They will only provide an extra card if the other person is also an account holder. And you have to be a UK resident to have an account with them (or even to be named on a joint account).

mroller

Just came back from the bank.

I was honest with them and told them it's my dad who is using the card. The lady didn't blink, she asked me to fill in a form with all the details. They will send the form to the Head Branch which is gonna raise a dispute with the
local bank. It might take up to 6 weeks.

I was surprised that she didnt mind when I told her it's my dad. I told her again in the end in case she didn't get it the first time, but again, no reaction.

She confirmed that she can't add him as a joint acount holder as he needs to be a UK resident.

I will keep you updated.

nutterbutter

Same thing happened to me. Don't worry. The bank sends out a form and ask you to complete the amount you tried to withdraw, where from and then you sign and date a pre-written statement on the bottom saying that you are telling the truth....

mroller

nutterbutter wrote:

Same thing happened to me. Don't worry. The bank sends out a form and ask you to complete the amount you tried to withdraw, where from and then you sign and date a pre-written statement on the bottom saying that you are telling the truth....

was it abroad? how long did it take you to get the money back?

Sillychuckie

Even if you have violated the t's+c's of account use by lending your dad the card, it doesn't matter.
This wasn't the reason the cash machine broke and failed to supply the £250, so it is besides the point.
If you have violiated the terms, then let the bank send you a warning..
Let them close your account..
Let them even take you to court for misusing their account..

But do not let them charge you £250... which is effectively what you are talking about. I don't think the 'knowingly misused, pin divulged' stuff would cover this situation either, because you would have incurred the loss yourself regardless.
Best not to mention it, but if it comes up... dont for a second let them tell you you can't get your money back because it wasnt you doing the withdrawal.

tripled

Exactly the same thing happened to me once, I used to work in France in the summer and one day I tried to get 200 euros out, it came up transaction declined (even though I had funds) but the money came out my account. I phoned Nationwide, they faxed me a form to complete and fax back and the money was back in my account within a week.

AndyR_3

You always have to contact your own bank, not the one who operate the machine, in these cases. It's part of the Visa/Link rules that the card issuer raise any disputes on behalf of their customer.

To be honest lending your card to someone is against the T&Cs but most bank staff don't care - I have done it myself. It's quite common but the only thing to be careful of is, if a transaction that you don't recognise appears, and the bank know you have lent your card out, they will hold you liable by saying you haven't taken proper care of your card. But it's unlikely and I've only ever seen that happen once.

mroller

To those who still remember this post, I got my money back.

I complained to Nationwide on the 22nd and got my money back on the 3rd of this month, so In 5 working days. Well done Nationwide.

halloweenqueen_2

Well done! Bet thats a relief.