Stolen bank card

jessbob

david39 wrote: »

Over the counter withdrawals at my bank require the card to be put into a card reading machine and the pin number entered.

How did the fraudster know the pin number unless DD also kept that noted down on paper in the purse?

If that was the case, she has failed to meet the security requirements because T&Cs will state that the pin number should always be kept separately from the card.

Shes not that stupid. Does not have it written down anywhere. who does

FireWyrm

Not all banks require you to put your debit card in a pin machine. Nationwide doesnt (or didnt the last time I withdrew money). They just swipe the card on the keyboard and then ask you to 'sign' a slip - Barclays also used to do this.

I am surprised though that they not only allowed an increased overdraft but a complete emptying of the account all in under 30 minutes. That's definitely not normal customer behaviour. I would have thought that the counter staff would have asked for some form of additional ID just to verify the transactions.

pmduk

jessbob wrote: »

Does not have it written down anywhere. who does

You'd be really amazed! I saw an elderly person at Tesco today give her pin on a piece of paper to the cashier and ask her to input it!

The bank were probably wary of notifying DD because they didn't know who had her phone, eg it might have been stolen at the same time

Gromitt

pmduk wrote: »

You'd be really amazed! I saw an elderly person at Tesco today give her pin on a piece of paper to the cashier and ask her to input it!

I noticed an elderly lady yesterday speak out her pin number to the cashier before entering it.

It went something like this:

"Can you check the amount and enter your PIN"
"Its 4, 3, 1, 2"
"Can you enter your PIN"
"Can't you do it?"
"No, you have to do it"
"Oh ok, 4, 3, 1, 2, there."

jessbob

FireWyrm wrote: »

Not all banks require you to put your debit card in a pin machine. Nationwide doesnt (or didnt the last time I withdrew money). They just swipe the card on the keyboard and then ask you to 'sign' a slip - Barclays also used to do this.

I am surprised though that they not only allowed an increased overdraft but a complete emptying of the account all in under 30 minutes. That's definitely not normal customer behaviour. I would have thought that the counter staff would have asked for some form of additional ID just to verify the transactions.

I am totally baffled with it all. hope to get it sorted tomorrow and see what has been happening.

jessbob

I know our main branch does ask for chip n pin, but not sure about the branch where the monies were withdrawn as it was just from a small town. who knows:(

jonesMUFCforever

It is important to know this vital piece of information.
If chip and pin was used the number must have been kept with the card must it not?
If so she will have a fight to get the money back.

I do hope that the bank messed up and cashed using a withdrawal slip or this could get messy.

olly300

jonesMUFCforever wrote: »

It is important to know this vital piece of information.
If chip and pin was used the number must have been kept with the card must it not?
If so she will have a fight to get the money back.

I do hope that the bank messed up and cashed using a withdrawal slip or this could get messy.

The thieve had ID on them and the banks I'm with allow you to take money out over the counter with ID and no PIN. You do have to sign things though.

PeppaPig555

In my bank you have to enter the chip and pin for every cash withdrawal, they won't give you anything without the card and pin unless the card has been reported lost or stolen and then they'll only give you £50 max (and you said this all happened before the card had been lost).

It's possible the withdrawal had not yet been earmarked and lost and stolen wouldn't normally check for something like an increased overdraft, they normally just check for earmarks. Who do you/your daughter bank with?

jessbob

now come to light that the fraudulent transaction took place AFTER the card was reported stolen !! Anyway, bank refunded her account now but still investigating why and how this has happened as the branch concerned are not responding

Curiouser and curiouser.

Hmm.,