ATM Error - £300 not paid out

SnowTiger

pinkdalek wrote: »

just go to the bank and tell them what's happened, it will be out by £300 they know you are not lying.

Lol. Lol. Lol.

Goldiegirl

matttye wrote: »

Technically it's not. It is making a false representation but there is no dishonest intent. This isn't for financial gain, merely to obtain money that is rightfully theirs.

Whether it's fraud or false representation, it's not the truth.

It you get someone to lies about who they are, it's not a good starting point for this problem.

If they are not telling the truth about their identity, them why should anyone believe that they have not been paid out the £300

opinions4u

The bank will only deal with the account holder here.

It could be interesting!

grumbler

opinions4u wrote: »

The bank will only deal with the account holder here.

Unfortunately, this is yet another example of how :wall:stupid :wall:the bank's rules are - if such rules do exist, not just were invented by the improvising branch staff.

This is the case of just reporting the ATM incident to the bank. The person that reports it doesn't require any access to the account/data/money and just provides the bank with the information for putting things right.

opinions4u

grumbler wrote: »

Unfortunately, this is yet another example of how :wall:stupid :wall:the bank's rules are - if such rules do exist, not just were invented by the improvising branch staff.

This is the case of just reporting the ATM incident to the bank. The person that reports it doesn't require any access to the account/data/money and just provides the bank with the information for putting things right.

Even acknowledging the account exists puts the bank in a position of conflict with the DPA.

While I probably agree with the feelings in your post, they are between a rock and a hard place.

cyberbird

Thanks for all the comments.

Well to be honest, I don't want power of attorney. I'm the son-in-law and seems to be overkill just for this matter and probably expensive.

I really don't see why they need her to deal with the matter. Surely if there is a problem with their machine (which they admit), they should investigate a claim whether it's made by the person who owns the card or not.

They were blabbering on about the data protection act. I don't want any data from them, just that they get their machine checked and anybody who hasn't had their money repaid.

My main concern is how they identify whose money they have? How often do they check whether they have peoples money? Can they identify the exact person or do they just know that they have £XXX too much. What happens if somebody takes £300 out of their account on the same day and then claims they didn't get it?

It's all very worrying. I'm now off to check to see whether it's been refunded before deciding what to do.

grumbler

opinions4u wrote: »

Even acknowledging the account exists puts the bank in a position of conflict with the DPA.

They don't have to acknowledge anything in this case.

jonesMUFCforever

Sorry but I really do not follow the reasoning of your argument at all.
It is her account end of - they will not allow a 3rd party to discuss at all. She has broken the terms of her account by giving you the card and PIN end of.
If the money has not been refunded then she will need to sign a letter to her bank saying what happened. They should refund immediately pending an investigation with the ATM.

To answer part b - monies that are over in an ATM go into a suspense account. There will be an electronic log of the card number used to make the withdrawal. The bank has to rely on customers claiming back transactions in these cases as Bank A does not have access to Bank B's customers that Data protection act again! LOL

grumbler

jonesMUFCforever wrote: »

It is her account end of - they will not allow a 3rd party to discuss at all.

Normally discussion implies exchange of the information. In this case it's 1-way process as there is no anything to discuss.

It's a matter of accepting the report with the card number, ATM location, time and amount, checking the ATM and crediting the missing money back to the account. If for some reason they decide not to credit the money, they send a letter to the account holder. As simple as that.

She has broken the terms of her account by giving you the card and PIN end of.

This is irrelevant and doesn't have to be mentioned when reporting the incident. The account holder could have had reasons for asking the OP to report it.

cyberbird

jonesMUFCforever wrote: »

To answer part b - monies that are over in an ATM go into a suspense account. There will be an electronic log of the card number used to make the withdrawal. The bank has to rely on customers claiming back transactions in these cases as Bank A does not have access to Bank B's customers that Data protection act again! LOL

The Card, ATM and account are all with Santander. I've just got back and the funds haven't been credited.

My argument is that they don't need her to deal with the matter as they know the machine is faulty and can rectify the matter without breaching the data protection act.