HSBC refuse to refund debit card fraud

ihateyes

philD wrote: »

Also, the costs will be £500 to HSBC once is goes to the Ombudsman - so it's cost efficient for them to refund.

Firstly the ombudsman wont hold up your complaint, infact they will probably have a giggle at your complaint like i have had.

The grounds they will uphold on is YOU knew your card was missing, and YOU done nothing about it for a long period of time.

Its explicit in t&c's that once you relaise your card is missing, you should cancel the card. YOU never cancelled.

sminkers

philD wrote: »

Some of the posts here have been useful - other posts such as yours are not and I really don't see the point in such posts. Care to explain?

It's already been explained here many times. No violence was used to obtain your card, and they had your PIN, which you admitted was most likely because they saw you typing it in. Part of the T&Cs of your bank will be to protect your PIN. You may have tried to shield it, unfortunately it wasn't sufficient. In hindsight you should also have called your bank as soon as the card was missing.

You seem unwilling to accept that the people who owe you £470 are E+J, not HSBC. I'm not saying you're not deserving of getting your money back, you are, but it should be coming from those who nicked it, not HSBC.

If you want your money back, press charges. That really is your best option.

philD_2

ihateyes wrote: »

Firstly the ombudsman wont hold up your complaint, infact they will probably have a giggle at your complaint like i have had.

The grounds they will uphold on is YOU knew your card was missing, and YOU done nothing about it for a long period of time.

Its explicit in t&c's that once you relaise your card is missing, you should cancel the card. YOU never cancelled.

If you cared to read the thread you may come to a different conclusion - you can't be arsed and yet you choose to comment - enough said!

ihateyes

i ve read this thread from the start when you first posted.... you thought you were getting lucky til you realised you had to pay
the card was missing you said to put it back....... they left and a short time later chucked it thru your door, with your mobile phone.
You then tried to withdraw later that day to discover your money was gone.

This is your problem. the card went missing, and you never advised your bank.

Dont you get it..... not many people on here are backing you up, cos your wrong. bite the bullet accept its your fault, and move on.

lovinituk

I reckon Phil is on a wind up!! Seriously - nobody can really be this blind to the situation!! I used to work in IT and granted there were a few people that were a bit odd but I don't think I ever met anyone with this level of stupidity!!

callum9999

philD wrote: »

Also, the costs will be £500 to HSBC once is goes to the Ombudsman - so it's cost efficient for them to refund.

HSBC won't refund you just to avoid an Obmbudsman fee - no matter how much you try and blackmail them over it...

Once you give in to blackmail, it's then far easier for everyone else to blackmail you. Same reason we don't negotiate with terrorists...

lovinituk wrote: »

I reckon Phil is on a wind up!! Seriously - nobody can really be this blind to the situation!! I used to work in IT and granted there were a few people that were a bit odd but I don't think I ever met anyone with this level of stupidity!!

He's not stupid, just has a false sense of entitlement (like so many people in the UK nowadays).

He was reckless with his card and so had money stolen. It's his fault for being such a moron over the entire event and there is no reason whatsoever why HSBC should refund him. As he's been told time and time again, if he wants the money back then he needs to sue the people who stole it. Though his desire to protect the people who defrauded him is rather suspicious in itself - wouldn't surprise me if he "commissioned" someone to steal from him so he could just claim it back...

35483

Assuming that you are not just a troll, PhilD, you have clearly come on to this forum purely to "hear" what you want to 'hear' - that HSBC will give you back your money and you won't have to press charge against your so called friends.

Unfortunately, it's time to put the rose tinted glasses down and face the facts.

Firstly, you did not sufficiently shield your PIN and therefore someone was able to see your PIN as you enter it. Secondly, upon realising that your bank card had been stolen, you did not call your bank to cancel the card, neither did you call the police as you were a victim of theft. Thirdly, you willingly evicted someone from your premises even though you KNEW they had your card.

The facts speak for themselves. You allowed the theft to happen, and justice would be most likely to happen by pursuing your "friends" via the police and the courts.

Sorry to be condescending, but I have seen this thread bumped up several times. It is very annoying and laughable that you feel that HSBC should reimburse you for your own carelessness, and frankly, stupidity.

Again, I ask, are you just trolling?

lovinituk

callum9999 wrote: »

He's not stupid, just has a false sense of entitlement (like so many people in the UK nowadays).

He was reckless with his card and so had money stolen. It's his fault for being such a moron over the entire event and there is no reason whatsoever why HSBC should refund him. As he's been told time and time again, if he wants the money back then he needs to sue the people who stole it. Though his desire to protect the people who defrauded him is rather suspicious in itself - wouldn't surprise me if he "commissioned" someone to steal from him so he could just claim it back...

Fair comment

Igol

I remember this format:

'Someone knocked off my car wing mirror the other day and didnt stop.
Well I used my bank account to pay for the car so what are the bank going to do about it?'

So we called the gas board who said 'This really has nothing to do with us'.

Esther now shows a rudely shaped vegetable/ dog that can say 'sausages' or hands over to Cyril.

philD_2

lovinituk wrote: »

I reckon Phil is on a wind up!! Seriously - nobody can really be this blind to the situation!! I used to work in IT and granted there were a few people that were a bit odd but I don't think I ever met anyone with this level of stupidity!!

Thanks for that but I won't byte ...