Cashpoint fraud- Lloyd`s refused to help

benji_boy

apesxx wrote: »

i think the lesson here is not to tell the bank that your partner was the one to use the card rather than yourself. I think they are being punished for being so honest and now the bank are trying to use that to get out of helping them, which is a bit disgusting in my view.

Exactly, they are being punished for being so honest !!

VitaK wrote: »

Are they not even investigating if there cash-mashine have been tampered with.

The bank refused to start investigation in this matter as I said before , the lady gave PIN to her husbandand broke the terms and conditions.
Lloyd`s fraud department advice them to ask Police to resolve the matter but Police can`t help as they have lack of informations.
At the end of the day , we trying now to take on writing from Lloyd`s why they refused to start investigation. Then we will complain to Financial Ombudsman.

Harry_Flashman

I've let my wife use my bank card on many occasions and I've used hers - trouble is, both of our memories are so bad, we can't remember each others pin numbers anyway

benji_boy

ljonski wrote: »

id certainly get the police involved. sounds like some criminals put a device that swallows up the cards and then regurgitates them with the pin code.
Find out where the original card is now . What time was it ? Was it dark ?

The original card is blocked and who knows where is it right now. All happened at 11am in very busy area.

missile

benji_boy wrote: »

Exactly, they are being punished for being so honest !!


The bank refused to start investigation in this matter as I said before , the lady gave PIN to her husbandand broke the terms and conditions.
Lloyd`s fraud department advice them to ask Police to resolve the matter but Police can`t help as they have lack of informations.
At the end of the day , we trying now to take on writing from Lloyd`s why they refused to start investigation. Then we will complain to Financial Ombudsman.

You are supposed to wait for a final reply to your complaint before complaining to the ombudsman. May we assume the account holder has complained in writing?

jjj1980

cherie1122 wrote: »

jjj1980 - did you give your ex your PIN? No wonder he's now your ex if he took money from your account like that - not nice. I hope you get it back eventually.

Nope, I never give my PIN to anyone. I can only guess that I didn't cover a keypad closely enough at some point. Was my redundancy money and was supposed to be paying for my daughters cot, pram etc. I was about 5 months pregnant at the time, married just over a month! He goes through stages of admitting then denying doing it, giving different reasons for why he took it etc. Not sure I'll ever see it again.

benji_boy

missile wrote: »

You are supposed to wait for a final reply to your complaint before complaining to the ombudsman. May we assume the account holder has complained in writing?

The account holder complaint just over the phone to fraud department.

benji_boy

Let`s conclude how this case has finished.
We`ve submitted the complaint to the Ombudsman in June 2012.
Ombudsman upheld the complaint and the couple received full refund from Lloyds + £100 for the inconvenience.
Thanks very much for all good advice, I`m glad we didn`t give up.

pmduk

Thanks for updating us.

unholyangel

Personally I wouldve thought they should only refuse to pay out where the theft is as a result of them breaching T&C's by providing pin and card to someone else.

I mean at the end of the day, if it was a "con" where it retains the card etc....it wouldve happened regardless.

And regardless whether he's the account holder or not, he informed them that one of their accounts security had been compromised. A quick phone call to the account holder would have given the hubby authorisation to cancel the card on her behalf/give her authorisation for it to go ahead.

But then I dont agree that its wrong to give your PIN out in any and all circumstances. I have the PINs for all of my parents accounts, mainly because my mum forgets and then has to call me to ask what the PIN is for xxxx card. But there are instances where (after operations) my parents were unable to go out and had to entrust either each other or us (their kids) with their details.

There are very few people I would ever trust with my PIN. And if they ripped me off, that would be my liability. But I dont agree that the account holder should be liable if the theft hasnt actually occurred via their breach.

Lip_Stick

^^ Agree with the above.

What happens if someone is too ill to leave the house and needs cash to pay a bill? My dad knows my pin because I was too ill to get cash/go shopping. I know he'd never rip me off.

Also, the elderly. Don't certain carers have access to funds and pin numbers?