Theft of money but bank will do nothing

catokelly

innovate wrote: »

That may be so, but it is against the T&Cs

I guess it's a 'computer says no' scenario then is it?

As the original post said, if it wasnt for her son reporting the scam to the police in the first place, the ATM card skimming fraud would have continued for goodness knows how long. So yes, officially he broke a rule by asking his sister to withdraw money with his card, but he also alerted the bank to the ongoing fraud and saved them money in the long run. Hes also just 17 years old, so personally i think the bank should agree to refund it.

thriftymanc

YorkshireBoy wrote: »

The primary 'security breach' was the divulging of the PIN. Without this breach the secondary breach may not have occured.

So if the son had gone to the cash machine himself the pin reader would have magically evaporated into thin air? Regardless of which family member physically put the card in the machine, it doesn't change the fact that an unrelated third party had attached a device to the cash machine in order to steal innocent people's money. This would still have happened if he'd gone to the machine himself. Technically no he shouldn't have given his pin to anyone else, but saying it's his fault and this should teach him a lesson is just cruel. Two wrongs don't make a right.

Macca83_2

Lets remember that the only reason he reported it to the police was because he thought his sister had stolen it from him. Id throttle my brother if he did that to me. Hopefully he apologized!

innovate

catokelly wrote: »

I guess it's a 'computer says no' scenario then is it?

As the original post said, if it wasnt for her son reporting the scam to the police in the first place, the ATM card skimming fraud would have continued for goodness knows how long. So yes, officially he broke a rule by asking his sister to withdraw money with his card, but he also alerted the bank to the ongoing fraud and saved them money in the long run. Hes also just 17 years old, so personally i think the bank should agree to refund it.

Nothing whatsoever to do with "computer says no". The chap broke the T&Cs, full stop.

There is nil proof that the son's breaking of the T&Cs contributed in any way to the prevention of other illegal actions.

The fact that the guy was 17 is neither here nor there, IMO --- if anyone wants to give him some leeway, it should be his parents, by means of giving him the £200 it is claimed he lost. If the parents don't feel like standing up for their boy, why would anyone expect a bank to do it?

mgdavid

catokelly wrote: »

.........
Im sure many people give their pin to close family members such as parents, brothers, sisters without expecting something like this to happen.
...........

really? REALLY??
are there really that many stupid people around? I don't think so. I have never met anyone who would do that, it's simply asking for trouble.

kizkiz

Shame you didn't ask for compo from the courts if the guys who stole the money have been found guilty.

Macca83_2

There's a hundred different scenarios that could have occurred. If he hadn't given his sister his pin and card then he may have had to take out the cash out on a different day, or from a different location, he may have gone to a shop and got cash back, or visited the branch. Or as thriftymanc said, he could have gone to the same machine and still had his card skimmed. But at least he would have had a leg to stand on. His details wouldn't have been compromised and they would have refunded the money.

MoneySaverLog

Just out of curiosity could it be that there was a false front on the cash machine that was used where your card was retained by the bank where the money was hidden behind.

They would have had to have retrieved the skimming device before attempting bank 2, could they have managed to retain the card and get video of your sister typing in a pin to attempt at bank 2 and get there in 10 minutes, 3 miles away with possibly traffic to contend with.

Even so I'd expect the card to be retained by machine 2 not 1. Unless this is part of the scam in anyway where the card appears to have been retained.

These thieves are getting rather ruthless and cunning in the way they get these cards and cash these days. Also assuming the cash machine was at a bank branch.

I really don't like these outside machines, inside at a push but rather use the counter.

Oh and I agree with the other posters, you should not give your card and pin to anyone, that includes family.

baby_frogmella

mgdavid wrote: »

really? REALLY??
are there really that many stupid people around? I don't think so. I have never met anyone who would do that, it's simply asking for trouble.

Its called MUTUAL TRUST, which believe it or not, still exists between many family members.

pmduk

baby_frogmella wrote: »

Its called MUTUAL TRUST, which believe it or not, still exists between many family members.

Unfortunately it has no place in banking, which relies upon the agreement made when an account is opened (aka terms and conditions).