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ATM Error - £300 not paid out

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  • matttye
    matttye Posts: 4,828 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    m0rgana wrote: »
    Have you read the first sentence of the OP's first post?

    Bank transfer from MIL's account to his account then withdraw from his account would be a more sensible course of action.
    What will your verse be?

    R.I.P Robin Williams.
  • cyberbird
    cyberbird Posts: 54 Forumite
    SnowTiger wrote: »

    Some people never learn.

    What exactly am I supposed to have learned?

    I have learned that the particular ATM that I used is faulty. I have learned that all ATM failures are not catastrophic and that there is a good chance of not losing out (perhaps there is no chance of losing out). I have learned that even when there is a problem using somebody else's card that Santander customer service staff are quite happy to help if the initial contact is from the account holder.

    I already knew about the T&C's for the use of bank cards and the risks of breaching those terms but in the circumstances it was decided that it was worth taking the risk. Nothing has changed that opinion.
  • jonesMUFCforever
    jonesMUFCforever Posts: 28,898 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I agree you have not learned anything.
    For example should there be a real fraud on her account why would they refund her when it is known that she willingly gave her card and PIN to a third party previously.

    When she is well enough I strongly suggest you get her to change the PIN number, if she is not going to get well enough arrange 3rd party access whereby both parties will be covered.
  • SnowTiger
    SnowTiger Posts: 4,461 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    cyberbird wrote: »
    What exactly am I supposed to have learned?

    I have learned that the particular ATM that I used is faulty. I have learned that all ATM failures are not catastrophic and that there is a good chance of not losing out (perhaps there is no chance of losing out). I have learned that even when there is a problem using somebody else's card that Santander customer service staff are quite happy to help if the initial contact is from the account holder.

    I already knew about the T&C's for the use of bank cards and the risks of breaching those terms but in the circumstances it was decided that it was worth taking the risk. Nothing has changed that opinion.

    Oh dear. :(
  • miller
    miller Posts: 1,682 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I've had the same thing happen at a Santander cash machine before. Took 3 days to get my money back (Halifax) having reported it over the phone.

    My mate who used it after me with the same "going through the motions and no cash scenario" had the transaction instantaneously reversed (HSBC).
  • dalesrider
    dalesrider Posts: 3,447 Forumite
    miller wrote: »
    I've had the same thing happen at a Santander cash machine before. Took 3 days to get my money back (Halifax) having reported it over the phone.

    My mate who used it after me with the same "going through the motions and no cash scenario" had the transaction instantaneously reversed (HSBC).

    The only bank that can reverse the ATM transaction is Santander when its one of their ATMS.

    So your senario is that the 1st trans was not reversed by the ATM. The 2nd one was.
    Has nothing to do with who you bank with.
    Never ASSUME anything its makes a
    >>> A55 of U & ME <<<
  • missile
    missile Posts: 11,769 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    miller wrote: »
    I've had the same thing happen at a Santander cash machine before. Took 3 days to get my money back (Halifax) having reported it over the phone.

    My mate who used it after me with the same "going through the motions and no cash scenario" had the transaction instantaneously reversed (HSBC).

    I am very surprised your m8 used the same machine after you :rotfl:
    "A nation's greatness is measured by how it treats its weakest members." ~ Mahatma Gandhi
    Ride hard or stay home :iloveyou:
  • in_my_bumble_opinion
    in_my_bumble_opinion Posts: 1,386 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 29 March 2013 at 7:08AM
    'cash-trapping'

    It's a crime reaching epidemic levels in Europe.....that's probably what happened to most of you who thought the machine was faulty (assuming you weren't automatically re-credited). If you want cash, best get it inside the bank or as cashback at the supermarket.
    ''He who takes no offence at anyone either on account of their faults, or on account of his own suspicious thoughts, has knowledge of God and of things devine.''
  • miller
    miller Posts: 1,682 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    missile wrote: »
    I am very surprised your m8 used the same machine after you :rotfl:

    It was quite a "brave" thing to do - but reassuring when I was sweating on the refund (knowing that his transaction history would be useful evidence if needed).

    I had another case with £10 involved and NatWest looked into it and said the machine balanced (but gave it back to me "as a gesture of goodwill").
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