WARNING - ATM 'ticket' said £100 dispensed but no cash came out!

richardcones

I tried to withdraw £100 at an ATM in the British Library in London. I took my card, waited for my cash but nothing came out and then the machine issued a 'ticket' saying 'Dispensed: £100'!

My account was debited and my bank raised a dispute with the ATM company (InfoCash - not a bank) but they say there was no surplus cash left at the end of the day.

How do I prove that I am not a conman? - it's their word against mine - and I'm out of pocket £100. So far my bank has been able to do nothing.

Where can I ultimately go for justice?

Ideas please!

Wywth

richardcones wrote: »

I tried to withdraw £100 at an ATM in the British Library in London. I took my card, waited for my cash but nothing came out and then the machine issued a 'ticket' saying 'Dispensed: £100'!

My account was debited and my bank raised a dispute with the ATM company (InfoCash - not a bank) but they say there was no surplus cash left at the end of the day.

How do I prove that I am not a conman? - it's their word against mine - and I'm out of pocket £100. So far my bank has been able to do nothing.

Where can I ultimately go for justice?

Ideas please!

The courts are where you could go ultimately for justice.

But as you admit, it is your word aginst that of someone else.
And based on the details you have provided, I wouldn't rate your chances too highly.

ami66

richardcones wrote: »

I tried to withdraw £100 at an ATM in the British Library in London. I took my card, waited for my cash but nothing came out and then the machine issued a 'ticket' saying 'Dispensed: £100'!

My account was debited and my bank raised a dispute with the ATM company (InfoCash - not a bank) but they say there was no surplus cash left at the end of the day.

How do I prove that I am not a conman? - it's their word against mine - and I'm out of pocket £100. So far my bank has been able to do nothing.

Where can I ultimately go for justice?

Ideas please!

I'm surprised you were told that there was no surplus cash left as that's not how a cash machine works.

An ATM has a transaction journal and everything is done in quantities of notes not values. There is also a laser eye that counts the number of notes that passes out of the machine during each dispense.

So for every transaction there will be a journal entry of the number of notes requested, the number dispensed with the number dispensed confirmed by the counter.

The journal would reconcile against the amount put in the machine, dispensed, discarded and finally left when retrieved from the machine at it's next fill.

Some ATM's go so far as to have camera's which will show the notes leaving the machine.

I've worked for the last ten years with a self fill and more recently with a company filled and in all that time I've never known a genuine non dispense not be refunded.

UpToMyNeckInIt

That's a really useful post.

I'm sure the ATM providers get a certain number of people 'trying it on' all the time, and start by fobbing you off in these situations to weed those out.

Hopefully, the 'richardcones' can put this information in a letter to the ATM provider and take it from there.

Keep us posted.

harveybobbles

Did the library have CCTV around the ATM? Contact them too?