ATM Fraud

dalesrider

John_Pierpoint wrote: »

Phone the fraud hot line and they will confirm that it is the bank that has been defrauded not the customer.

Only if the bank refunds.
In this case they do not have too, therefore the loss stays with the OP till resolved.
Given the Op has not comeback with any details as to if the ATM was in their area. It should always be reported to local police. Who you may be surprised can often be very efective in these cases.

John_Pierpoint wrote: »

Of course that is rubbish, the systems are not 100% secure, as the boffins at Cambridge repeatedly demonstrate.

Oh yes... That stuff again. As they managed to do in a lab with shed loads of electronic gear....
Remember OP has NOT used the card (so they say) so how can the card be cloned????
Remember we do not have access to the systems to see what type of card was used.
But given that UK atm's are geared to not give cash on a card that has a chip and the atm cannot read one. It fair to take it that its not a cloned card.

John_Pierpoint wrote: »

However there is little hope that the local plods can cope with a burglary, so no chance that they can do anything about electronic fraud. If they don't issue a crime number the crime does not exist and that helps the statistics look a bit better.

See reply 1... It is easy to force them to issue a CRN by sending fax or email.

John_Pierpoint wrote: »

The "problem" was handed back to the card providers about four years ago.

But only in cases where the loss is with the card provider.

John_Pierpoint

dalesrider wrote: »

Oh yes... That stuff again. As they managed to do in a lab with shed loads of electronic gear....

As I remember one demonstration, they simply hired the upstairs room in a shop next to a bisto and harvested the card details and the PINs as they were keyed into the gizmo that the waiter brings to the table.
Hopefully that weakness has now been corrected but every time the criminals develop another method of getting at depositors money, the card provider had the dilemma of contacting millions of card holders and hundreds of thousands of merchants with a card reader.

dalesrider wrote: »

It should always be reported to local police. Who you may be surprised can often be very effective in these cases.

Can you give us full details of your personal practical experience of discovering that there has been malfeasance involving your card?

My experience, and then understanding of the changes in the law, mean it is not their job any more to to get involved in "small" frauds, unless invited to do so by the card owner - ie the card company/bank.

chrism1986

Hi guys,

Thanks for all replies. Only just got word from Barclays. They've informed me that they do not believe that fraud has taken place on the card and that the card with pin was used. Despite the fact I told the lady numerous times I had never got the pin she just said its not fraud therefore not my problem. They're going to put it all in writing for me as I can prove I was at work when the withdrawals took place and after speaking to the ombudsman they seemed pretty adamant that I have not been negligent (which is what Barclays have to prove to refuse a refund (how can I be negligent with my pin if I never got it). The ombudsman have now sent a letter to Barclays requesting they look at this again and they have 8 weeks to respond. If the answer they give is not a satisfactory one then I have been advised to send their letter to the ombudsman so they can investigate. I'm pretty gutted to be honest. I was just starting to sort my finances out to get a deposit for a house and now I'm £1000 further back. Major sad face

reclusive46

Do know what ATM it was? I'll have a check and see if it is an EMV enabled ATM.

bengal-stripe

chrism1986 wrote: »

.......but somehow a £500 ATM withdrawal has been made on my credit card.

chrism1986 wrote: »

.....and now I'm £1000 further back.

How much was/were the withdrawal/s. - Two months ago it was £500, how has it increased to £1000 today?

Cash withdrawals on a card are usually restricted to £250-300 a day, how many withdrawals were there and over what period?

John_Pierpoint

For those who don't talk "TLA" here is an explanation.
http://en.wikipedia.org/wiki/EMV
It demonstrates the old maxim - "If you are not pretty confused, you obviously have not yet started to understand the situation".

C_Mababejive

I know of a case where a customer received a new credit card ( new application) and the card had fraudulent transactions on it within a couple of weeks. The fraud was reported and the card cancelled and new one issued. The new card wasnt even taken out of its envelope as user had lost faith in system. Card was again used fraudulently. I am therefore led to believe that a good chunk of fraud is initiated from within the banks,the card distribution chain or the post office who deliver them.