Withdrawing In branch using others debit card

JuicyJesus

Bear in mind that it is more than likely that the cashier would be able to see your mother's customer details immediately after you put her card in. A decent, alert cashier would notice the (at least 20 year?) age difference and be somewhat hesitant to give money to such a person.

Can only go with what opinions4u says. By entering into this arrangement your mother is essentially saying "I agree to be held liable for any and all fraud on my account due to my gross negligence".

MoneySaverLog

JuicyJesus wrote: »

Bear in mind that it is more than likely that the cashier would be able to see your mother's customer details immediately after you put her card in. A decent, alert cashier would notice the (at least 20 year?) age difference and be somewhat hesitant to give money to such a person.

Can only go with what opinions4u says. By entering into this arrangement your mother is essentially saying "I agree to be held liable for any and all fraud on my account due to my gross negligence".

I quite agree, I put my card in and they greet me by my name straight away, I think they'd notice the difference between a mom and her son ;-) You'd be better off using a ATM. I'm not advocating that at all though.

meer53

MoneySaverLog wrote: »

I quite agree, I put my card in and they greet me by my name straight away, I think they'd notice the difference between a mom and her son ;-) You'd be better off using a ATM. I'm not advocating that at all though.

Isn't the OP called Jane ? Could be a bloke i suppose :rotfl:

MoneySaverLog

meer53 wrote: »

Isn't the OP called Jane ? Could be a bloke i suppose :rotfl:

Yeah but I bet someone's tried it before now :rotfl:

c-m

alanq wrote: »

Unless you are administering your mother's account under a power of attorney your mother is breaking the Ts&Cs of her account by revealing her PIN to you. Obtaining cash by using your mother's PIN is like forging her signature even though you are doing so with her permission and for no personal gain.

Lol so what.

ses6jwg

I have actually sat with a customer and watched their face drop in shock and horror as the attempt to claim back the £200 which was withdrawn fraudulently from their account by a dodgy online company was rejected.

The reason? When asked by the fraud team the last time he had used his card (on his SOLE account), the customer responded, "I think the wife used it in Morrisons last week, oh no wait she took £50 out on Saturday".

Fraud. Claim. Immediately. Rejected - Customer "had not taken preventative measures in line with their T&Cs to sufficiently safeguard their account from fraudulent use"

Take that as a warning.

JuicyJesus

c-m wrote: »

Lol so what.

ses6jwg wrote:

I have actually sat with a customer and watched their face drop in shock and horror as the attempt to claim back the £200 which was withdrawn fraudulently from their account by a dodgy online company was rejected.

The reason? When asked by the fraud team the last time he had used his card (on his SOLE account), the customer responded, "I think the wife used it in Morrisons last week, oh no wait she took £50 out on Saturday".

Fraud. Claim. Immediately. Rejected - Customer "had not taken preventative measures in line with their T&Cs to sufficiently safeguard their account from fraudulent use"

Take that as a warning.

I believe these posts go marvellously together, don't you agree?

tornado77

"Some ATM's have CCTV cameras over them and some banks do watch the footage particularly at this time of year."????????????

I belive this to be incorrect. I met a small person once who advised me that he used to work for the Nat West in one of their ATM's. He would peer through the glass and if person he saw differed from the secret photograph taken at the account opening, then he would hold the money tight to prevent the undesirable from taking the money. This is clearly the more realistic answer.

On a more serious note, like the previous poster states, your pin is YOUR pin, and if the bank finds you have given it to someone, they will not be liable for any resulting losses. You would need to set up a POA on the account, or become a joint party to it.

pmduk

fnishajj wrote: »

What its against the rules to deposit cash in someone else's account??

No, but as already has been explained, the subsequent atm withdrawal by a third party would be.

MoneySaverLog

fnishajj wrote: »

What its against the rules to deposit cash in someone else's account??

All the other person needs is the sort code and account number and money can be paid into that account.

It's safe to give these to the third party, as effectively they are printed on all paper cheques anyway.