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ATM Error - £300 not paid out
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No, the OP didn't ask them to confirm or deny anything and they didn't need to do this.They would have to confirm/deny whether a £300 withdrawal was made.
Accepting the claim/report by itself means neither confirmation nor denial.
If I report some alleged crime to police and they accept my report this doesn't mean that they confirm that was I reported really was a crime.0 -
opinions4u wrote: »They are exactly the reason why banks have a requirement for the account holder to make the claim.
If you thought it through you wouldn't be speculating on the motives of the bank.
The reasoning you use applies to when money gets taken out of an account without the account holder knowing. They ask if you've given the pin number to anybody else.
If somebody is trusted with a card and the machine doesn't work it is completely different, irrespective of whether the T&C's have been breached.
Santander have issued me with a card for each of my businesses. What argument are they going to give? That they trust me to use my own card but not my mother in laws?
You need to re-examine your theories.0 -
Except it's not a theory.If you thought it through you wouldn't be speculating on the motives of the bank.
The reasoning you use applies to when money gets taken out of an account without the account holder knowing. They ask if you've given the pin number to anybody else.
If somebody is trusted with a card and the machine doesn't work it is completely different, irrespective of whether the T&C's have been breached.
Santander have issued me with a card for each of my businesses. What argument are they going to give? That they trust me to use my own card but not my mother in laws?
You need to re-examine your theories.0 -
No, the OP didn't ask them to confirm or deny anything and they didn't need to do this.
Accepting the claim/report by itself means neither confirmation nor denial.
If I report some alleged crime to police and they accept my report this doesn't mean that they confirm that was I reported really was a crime.
Think about it though, where does it end? At which point do they have to say that they cannot deal with a non-account holder? It's better to operate a blanket ban where the rules are very clear.
Banks can only deal with the account holder or someone authorised (by law) to take care of their affairs for security reasons. Would you want any tom, !!!!!! or harry being able to go in and operate your account?What will your verse be?
R.I.P Robin Williams.0 -
It's very clear to me. It ends when I want to get money, information or make changes to the account. None was the case this time.Think about it though, where does it end? At which point do they have to say that they cannot deal with a non-account holder?
According to you they should stop me from making a deposit to another person's account that I know the details of.
It is easier, but not better. The easiest way of operation is doing nothing.It's better to operate a blanket ban where the rules are very clear.
No, I wouldn't, but again this is OOT as this case was not about operating.Would you want any tom, !!!!!! or harry being able to go in and operate your account?0 -
As someone else has already mentioned, simply acknowledging that the account exists will cause trouble for bank staff. They will only deal with the account holder, this is what happens where i work and i would imagine it's the same for all banks.
Whether it's DPA or not doesn't matter really, they have no confirmation that the OP is who they say they are, so will not speak to them. The OP's mother in law should send in a letter explaining what happened and it will be investigated. She should prepare herself for a reply advising her that it is against the t & c's to give your card and PIN to a third party, whatever the reasons.
There are procedures available which will allow a third party to operate the account and these should be set up on her account.0 -
Ask some friend (women) to help and to call the bank as if she were your mother. Have the card, bank statements and other relevant information ready. Be prepared to reset the security information if needed (or to request this).
Bad idea!!! You are suggesting that both women then commit fraud, one sure way to lose the £300 and possibly being questioned by the police!
All OP can do is take a friend with her in to the bank, speak to the teller and have a witness to what is said, also ask to speak to that branch manager and explain what has happened.
Although your mother is ill you should get authority to use her card as she would be liable for monies going missing due to the fact she gave her pin to a third party.Everything has its beauty but not everyone sees it.0 -
How many times does it have to be repeated that they don't need to acknowledge anything in this case?As someone else has already mentioned, simply acknowledging that the account exists will cause trouble for bank staff.
If this *happens* this doesn't mean that this is correct or not stupid.They will only deal with the account holder, this is what happens where i work
If they needed a confirmation, they could have asked. However, they have not asked because they didn't need this.Whether it's DPA or not doesn't matter really, they have no confirmation that the OP is who they say they are,
Did anyone say anything about operating?There are procedures available which will allow a third party to operate the account and these should be set up on her account.0 -
Before replying it would be wise to read the whole thread and to check the definition of 'fraud'.
:think: - Fraud - A person intending to deceive others.#2 Ask some friend (women) to help and to call the bank as if she were your mother. Have the card, bank statements and other relevant information ready. Be prepared to reset the security information if needed (or to request this).Everything has its beauty but not everyone sees it.0
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