bank refusing to reimburse credit card fraud

lucre

hi,
man, am I fuming. My mum (67yrs, grey, totally trusts the whole world, leaves her front door open etc) got her bag pinched in a shoe shop.

She was in the police station giving her report while her credit cards were being used all over the city. The banks (smile and saga) are refusing to give her 500 pounds back saying she should 'shield' her pin from view and the responsibility is hers.

I am double mad as I sent her to smile in the first place..

HELP?

rsykes2000

Did she have her PIN written down in her purse with her cards ?

tosco12

Unforunatley it looks as though when the scrote nicked the bag her pin number was also inside the bag thereby giving the thief a free reign, unfortunatley the bank will not pay up, its the same as leaving your keys in the ignition of th your car and then leave it and your car gets nicked, the inurance wont pay up.

MarkyMarkD

How do you know, tosco?

If the circumstances were as you describe, then the OP's Mum is totally responsible and I can't disagree with the banks refusing to refund the amounts. If she allowed her PIN to be seen when she used the cards, she's also guilty of contributory negligence although the level of incaution is a matter of opinion not fact.

James

I've sent you a PM please check, I maybe able to point you in the right direction for immediate help.

James

MarkyMarkD wrote: »

How do you know, tosco?

If the circumstances were as you describe, then the OP's Mum is totally responsible and I can't disagree with the banks refusing to refund the amounts. If she allowed her PIN to be seen when she used the cards, she's also guilty of contributory negligence although the level of incaution is a matter of opinion not fact.

I disagree, I personally think ALL PIN fraud victims have a case.

As the card industry can't keep PINs secret how can they hold someone liable for being allegedly negligent with their PIN.

There's been an explosion in PIN based fraud mostly at garages all over the UK or at ATMs.

Have a read of the Card Fraud, Have you been done recently thread.

ilovemycats

They force chip and pin cards on MS sufferers........ I know one. Firstly she can't remember numbers, and secondly she can't keep her hands straight enough to enter the numbers.

A signature card was requested last year but nope..

James

ilovemycats wrote: »

They force chip and pin cards on MS sufferers........ I know one. Firstly she can't remember numbers, and secondly she can't keep her hands straight enough to enter the numbers.

A signature card was requested last year but nope..

Disgusting and I'm not surprised.

Can I suggests she or someone helps her contact the National Consumer Council, the MS Society and the Press / Watchdog.

Can I also suggest she names and shames her card issuer.

This isn't supposed to happen and her card holder IMHO is in breach of the DDA.

mrslawrence2003

MarkyMarkD wrote: »

How do you know, tosco?

If the circumstances were as you describe, then the OP's Mum is totally responsible and I can't disagree with the banks refusing to refund the amounts. If she allowed her PIN to be seen when she used the cards, she's also guilty of contributory negligence although the level of incaution is a matter of opinion not fact.

if she's guilty of contributory negligence then she would still be able to claim damages, altho these would be reduced accordingly.

DawnW

chip and pin was largely forced upon us, and as posters above describe, there are some users for whom it is simply not suitable. This would include many elderly people whose memories are not what they used to be, and grew up in gentler times when there were both fewer rip off merchants and less to rip off! Another thing, we ALL have so many numbers and passwords to remember these days, for multiple cards, work security stuff, sites like this one even, there is no way we can remember them all without keeping a list of at least some of them, or (as I do, also not a good move security wise, by changing them so that they are all the same or use a small selection). The human memory simply cannot hold all this information.
I really sympathise with the elderly, as they have had to cope with so much change during their lives, and change is getting faster and faster as they get older and no surprise if they find it difficult to keep up.

moonrakerz

I must confess to being a little bit confused by the OP.

"bank refusing to reimburse credit card fraud"
"The banks (smile and saga) are refusing to give her 500 pounds back"

Why have they got her £500 ? if it's a credit card and you didn't make the transaction - you don't pay it - simple, it's the bank's loss !
You then argue with the bank about it, you certainly don't pay it !