HSBC refuse to refund debit card fraud

philD_2

HSBC are not aware (as far as I know) whether this has formally been reported to the police or not. I will formally report it if necessary. This isn't a disagreement - person J noted my pin number at Asda (I assume) and person E then stole my debit card. I don't know if person J, person E or both went to the cash machine. Again, I think we're missing the point...

philD_2

With regard to what these two friends say - they are no longer friends - they will never enter my house again nor do I wish to communicate with them.

pmduk

You really should report this to the police and proceed formally with the complaint. You owe them no loyalty if they've treated you like this.

Debt_Free_Chick

philD wrote: »

HSBC are not aware (as far as I know) whether this has formally been reported to the police or not. I will formally report it if necessary. This isn't a disagreement - person J noted my pin number at Asda (I assume) and person E then stole my debit card. I don't know if person J, person E or both went to the cash machine. Again, I think we're missing the point...

But to HSBC it will look like a disagreement unless you take action to show that you're claiming it's theft.

ihateyes

as far as i see it.... you knew the card was missing. you failed to report the loss to HSBC when you discovered the loss. therefore HSBC are holding you accountable.

Thats what i see from what you typed.

pqrdef

HSBC don't seem to be disputing your version of events at all, in fact they're relying on it. Given that, I don't see that a prosecution will make any difference to their position on a refund.

They have to trust you to keep your card and PIN secure. If they think that your negligence has made possible a fraud against the bank, they'll hold you liable for their loss.

philD_2

With regards to keeping my pin and card secure: I have assumed that person J looked over my shoulder when entering the PIN at the Asda self service checkout. Person E then stole my card from my house. My PIN was not written down etc.

Persons J and E conspired to defraud me - I haven't simply wondered down the street offering passers by a free try with my debit card.

With regards to not reporting the loss of the card - I had a max of 10 minutes between the loss of the card and the return of the card (it was posted through my letter box) - my mobile was also stolen and it was approx 06:40 in the morning.

I didn't report the card a stolen after it had been returned as I assumed that the two people concerned had thought better and returned the card. It was in the evening - approx 20:00 that I realised something was wrong when the ATM wouldn't give me any money.

Come on guys/girls - I may have made a mistake befriending a couple of losers but I didn't ask for all this.

SnowTiger

philD wrote: »

Come on guys/girls - I may have made a mistake befriending a couple of losers but I didn't ask for all this.

Who do you think should pay for your mistake?

Unfortunately you seem reluctant to blame 'friends' J and E.

Yuki60

Although your loss is horrible for you I have to agree with others in that HSBC are right in not refunding. You should have called the police and reported the theft as soon as they refused to give back the card. Not only did you wait, you are also to still yet give a statement as 'you are thinking about it.' That isn't the normal actions of someone who's just had that amount of money stolen. Also as someone else has said they couldn't have managed to take over £400 out at 6am as that is over the limit. I'm afraid your own actions have ensured you won't get the money back. You keep saying you will formally report it if necessary. What do you feel is necessary to prompt you into action? Even the police are now unlikely to take you seriously.

philD_2

My daily limit is £500 - therefore they WERE able to take the £470 at 06:44. If you're going to comment then please read the thread first!