Theft of money but bank will do nothing

meg72

baby_frogmella wrote: »

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

Thank goodness it does, how sad it would be if we felt we could not trust our family, I understand that it is against the rules but is absolutely necessary sometimes, illness for example.

meg72

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.

I dont think its stupid at all, necessary at times, How awful that you cannot trust your own family, I have one family member that I would not just trust but am grateful that the rest are honest decent people.

heloid

A bank can't get involved in family matters, how do you prove that your have a trusting relationship with someone? How do you prove when that disappears? Way to open to fraud abuse. There'd be a spate of people doing this on purpose to get compensation.
Too big a mine field to be worth muddying currently clear line.

You are reponsible for your account/card/pin and you can't transfer that to other people unless thats down in writing in a way the banks like it (joint accounts).

Mojisola

It isn't anything to do with trusting family members. If you agree to the bank's T&C, you have to comply with them. If you decide not to, you can't blame the bank.

Macca83_2

And in this case unfortunately there was no trust. The sister was blamed for the theft. That is why the bank can't get involved with family matters and why you do not give out your pin

davem1974

Thanks for the all the replies this seems to have stirred up a hornets nest.

My son was living independently from us, as he had moved to another town to work.

He only accused his sister because the the bank was insistent that the the money could only have been took by her. I was not until his sister came home to us, in tears, that we explained to him that the card could have been scammed - he then apologised, he was just acting in the heat of the moment after discovering this money had been taken from his account.

In response to the person who suggested I give him the £200 and lets all forget about it, I don't know about you mate but I cannot afford just to give my kids £200 willy nilly, but I did help him out with some £ to help him get buy until his next pay.

I will emphasise the fact that his sister DID NOT take the money - some thieving scum did - who got arrested and charged with several accounts of fraud and theft etc.

As there were two people in the car and the CCTV could not make out who went to the cash machine then the police could not prove who took the money out of my sons account.

The police found my sons cash card in the car, along with several others and the scamming equipment, they just could not prove who physically took the money.

I know at least one of the two is in jail for other charges related to the equipment and cards found in the car - I do not think the CPS continued with any action for my sons exact case.

My son would have used the same cash machine, the next day - the only reason he gave his sister the cash card and pin number is that he was in bed ill and his sister wanted a small loan of £10 and he needed the other money to pay his rent.

Our family has several accounts with LLoyds and have held them for years - we are all going to close our accounts and move them elseware

opinions4u

baby_frogmella wrote: »

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

But blind trust is an extraordinarily foolish thing in any relationship.

Over my years in banking I dealt with numerous reports of ATM frauds.

It's amazing how many took place in the same town where the cardholder lived or worked. Or where the cardholder's teenage son or daughter lived or worked. Or in the town where there was a gig or sporting event being attended by another family member. Invariably within walking distance of those particular locations.

Many claimants suddenly backed away when told to report the theft to the police. More so when I recommended having a chat with other family members, regular visitors etc first.

And there was the one that took place at 7am when the cardholder was tucked up in bed after pulling in a nightclub in the early hours. He didn't realise that his partner for the night was making her second 'walk of shame' of the morning when she left at 9am, having returned the card to his wallet. It was an interesting expression on his face as the penny dropped.

Keep your cards safe. Memorise your PIN. if you want someone to get cash on your behalf faster payment it into their account. Never ask anybody to transact at an ATM on your behalf using your account.

Once you've shared your PIN with somebody the bank will assume that somebody has shared it with whoever has defrauded your account. Rightly so, in my opinion.

As for the OP, there might be some mileage in escalating the complaint to the FOS. I think it will fail, but it's not cut and dried.

JuicyJesus

davem1974 wrote: »

Our family has several accounts with LLoyds and have held them for years - we are all going to close our accounts and move them elseware

Any other bank will act in exactly the same manner.

olly300

davem1974 wrote: »

Thanks for the all the replies this seems to have stirred up a hornets nest.

OP I've sent you a PM as I can't be bothered to get into an argument on here.

Generally if your son is prepared to cause a fuss in writing i.e. using letters he is more likely to get the money back. The bank will probably claim it's a gesture of good will if they do.

Mojisola

olly300 wrote: »

OP I've sent you a PM as I can't be bothered to get into an argument on here.

Generally if your son is prepared to cause a fuss in writing i.e. using letters he is more likely to get the money back. The bank will probably claim it's a gesture of good will if they do.

This is always worth a try - the rest of you with accounts there could add their voice.