Debit Card Fraud

peachyprice

STomlinson wrote: »

Someone intercepting the post is the only logical explanation.

And then they broke into the house and stole the card? Or waited until you left the house and pickpocketed you to get the card? Seems a little far fetched.

The transactions may seem peculiar for members of your household but there's a market for selling on debit cards and PIN's.

STomlinson

peachyprice wrote: »

And then they broke into the house and stole the card? Or waited until you left the house and pickpocketed you to get the card? Seems a little far fetched.

The transactions may seem peculiar for members of your household but there's a market for selling on debit cards and PIN's.

The card could have been lost anywhere in the space of that week - I just only remember last physically caring about it when I ordered my Pin on the 21 July.

Investigating and looking into it would be a heck of a lot easier if I didn't have to worry about how I'm going to get into work this week with no money.

Lifeforms

In that week who entered your house and was alone long enough to take your card?

There's your investigation done, now go along to the police and had those names in.

arcon5

I've been with Lloyds for over a decade and I've stumped up for bank charges at times when I've gone overdrawn.

You mean you've paid lloyds for a financial service they've provided.

arcon5

Gaming, !!!!!! and shopping centres - you had any teenage boys around?

peachyprice

STomlinson wrote: »

The card could have been [STRIKE]lost[/STRIKE] stolen anywhere in the space of that week - I just only remember last physically caring about it when I ordered my Pin on the 21 July.

Investigating and looking into it would be a heck of a lot easier if I didn't have to worry about how I'm going to get into work this week with no money.

So who has been in your house?

If you still had the card I would say there's a good chance that it could be an inside job at the bank, it happens, it happened to my mother.

BUT you haven't ordered a new card and the original one that is missing is the one that has been used, therefore it has to be someone in your household or their visitors, although it's a bit random that a visitor would happen to turn up at the same time as the post, intercept the PIN and know where to go looking for the card.

zzzLazyDaisy

peachyprice wrote: »

although it's a bit random that a visitor would happen to turn up at the same time as the post, intercept the PIN and know where to go looking for the card.

And this ^^^ is exactly why the bank is unwilling to take any steps in the matter. The most likely possibility is that it is an 'inside job' by a member of your household. Any young men around? I can't think of many women who are likely to access gaming and !!!!!! sites.... shopping maybe, but even then you'll probably be able to tell from the shops visited whether it is most likely to be a man or a woman.

You have enough evidence to have a good idea who might be the culprit.

jacques_chirac

zzzLazyDaisy wrote: »

And this ^^^ is exactly why the bank is unwilling to take any steps in the matter. The most likely possibility is that it is an 'inside job' by a member of your household. Any young men around? I can't think of many women who are likely to access gaming and !!!!!! sites.... shopping maybe, but even then you'll probably be able to tell from the shops visited whether it is most likely to be a man or a woman.

You have enough evidence to have a good idea who might be the culprit.

I can! Although I'd never pay for !!!!!! ...

zzzLazyDaisy

jacques_chirac wrote: »

I can! Although I'd never pay for !!!!!! ...

LOL! Okay well in that case, OP, if you have a woman in your house who is into gaming and !!!!!!.... she's the one!

dalesrider

STomlinson wrote: »

It may well have been done by someone I know - I'm not disputing that. I just need the bank to help investigate it along with the police so it can be resolved.

So not only ATM but also online transactions.
Get the retailer details from the bank that have not debited and contact the retailers asking what delivery address they have for the goods.
Not quite sure what you expect the bank to do. They only know the same as you told them.

I love it with cases like this where the card holder expects the bank to know exactly what has happened. Yet cannot explain anything themselves to the bank.

STomlinson wrote: »

I understand that, to the bank, it's not a clear case but I didn't authorise these transactions, my card hadn't been used in over a year and £1,000 worth of transactions all happened within 24 hours - I'm unsure why they were allowed to go through to begin with. On my other account, the fraud block comes up if I order a TV from Amazon.

To the bank this is as clear as it gets.
A. A new PIN requested.
B. Your card then goes missing.
C. You have no idea where or when. You have to explain what has happened to it, as you are the only person who can know.
D. Unused acc's are a major security risk. Especially if they have a balance or large overdraft.

Security checks are based on known fraud spending patterns. So if these transactions did not match that pattern then it would not be picked up.

STomlinson wrote: »

I didn't authorise the payments to leave my account, and have stated this clearly to the bank.

But you cannot explain how or when the card/PIN went missing.

STomlinson wrote: »

Note part 2, which clearly states that it is the banks responsibility that the PIN is delivered to me, and they hold the risk.

So how can they do that when its in the hands of a delivery company?
No had a new card & PIN been sent then the bank can hold the risk. In this case. As you have lost the card and clearly the person who took the PIN also took your card. So the risk lies with you.

STomlinson wrote: »

Use of the PIN is not sufficient evidence that it was authorised by myself

This is true. But YOU have to explain where and when the card went.

STomlinson wrote: »

From my understanding, I should get an immediate refund whilst investigations take place

NO. PSD gives the banks the right to withhold a refund when they believe that 1st party fraud or a clear explanation of what has happened is provided.

TBH.
As many others have said.
Who ever did this has had access to your house ( must be known to you). Has seen the PIN advice and then taken the card.
So you need to get the details of ALL the atm and online transactions. Including times made and where.
Give the police the ATM details and then chase up the online retailers yourself to see what details given.