Nightmare card theft abroad - please help or learn my lesson!

andyf3050

Since when did someone with a blatantly British user name call a mobile phone a 'cell phone'...? I smells me a troll...!

chattychappy

dalesrider wrote: »

Well unless the OP was somewhere, where there are no phones. Or police to report the theft to.

Then gross neglience is easily provable.

What bearing does that have?

dalesrider wrote: »

You have to wonder why after having something stolen. People don't go to the police.... Is theft something that they don't deal with now....

It probably is a good idea to call the police, but people are understandably apathetic. In the case of fraudulent card use, it is the CC that is the victim of the fraud, not the cardholder.

meer53 wrote: »

The OP hasn't said whether a credit or debit card was used.

Yep, I should have qualified what I said by that. But it is a CC forum, so I assumed it was a CC.

exel1966

Are you American London?

DCFC79

He could be an american who lives in the UK.

dalesrider

chattychappy wrote: »

In the case of fraudulent card use, it is the CC that is the victim of the fraud, not the cardholder.



Yep, I should have qualified what I said by that. But it is a CC forum, so I assumed it was a CC.

You see this is where some get it wrong....

The OP had HIS card stolen and it was then used to obtain cash.

Someone steals your wallet, do you expect the bank to give you your cash back. Just because you got it for their atm?

Clearly the OP will get refunded. But deserves a strong reminder about his responsibilites.

Remember folks that the rest of us are paying for people like this :mad:

chattychappy

dalesrider wrote: »

You see this is where some get it wrong....

The OP had HIS card stolen and it was then used to obtain cash.

Someone steals your wallet, do you expect the bank to give you your cash back. Just because you got it for their atm?

I see a difference. The lender issues a CC as a means of identifying the borrower. When issuing cash or authorising purchases against that card, they are taking the risk that that user is not the cardholder. This system is of their creation. The card itself is not the same as cash and as a technicality it is not HIS card, but remains the property of the lender.

dalesrider wrote: »

But deserves a strong reminder about his responsibilites.

Remember folks that the rest of us are paying for people like this :mad:

Well, I agree with the gist of this but perhaps it's a bit harsh. Personally I'd focus my anger on a criminal justice system that permits people to steal in this way with little or no fear of serious ramifications.

dalesrider

chattychappy wrote: »

Well, I agree with the gist of this but perhaps it's a bit harsh. Personally I'd focus my anger on a criminal justice system that permits people to steal in this way with little or no fear of serious ramifications.

Can't act on what they don't know..


Card+PIN = cash....

With good timing that theft could have netted them approx 1K cash and plenty of puchases.

Do you think its fair YOU have to pay your share. Due to their lack of action.
When a simple call to card provider would have stopped it before it started? Or a walk to a police station.....

chattychappy

dalesrider wrote: »

Do you think its fair YOU have to pay your share. Due to their lack of action.

Unless the CC is a co-op, mutual-type organisation, then I'm not paying.