Card stolen. All money gone

grumbler

Thiazolinedianone wrote: »

Yes, but how did they get my PIN?

A micro-camera installed on the ATM. It's a pretty common con. That's why all ATMs ask you to cover the numeric pad wen entering the PIN.
I am surprised that you are asking this.

wiseshark

Reading your original post again, the vast majority was used at the bookies, so at least £2000 and "used in card machines", I presume twice , once before midnight and after midnight say for the maximum £500 each time.

When you woke up the next day on Friday, you noticed it missing and immediately informed the bank and cancelled it.

The fraudster would have been well pushed to spend over £2000 early when the bookies opened, unless you didn't wake up until the afternoon.

As for the PIN, only three attempts allowed and then retained by a cash machine. Was your PIN a silly number like 1234, 5555 etc.

Do you live alone? Could a flatmate or someone close know the PIN, maybe revealed when you were drunk?

Thiazolinedianone

£260 was taken out in cash, then £2800 used at the bookies early in the morning. Cancelled the card at work on the Friday. Sensible PIN, and I've never told it to anyone.

maninthestreet

Did anyone approach you closely whilst you were using the ATM?

Thiazolinedianone

maninthestreet wrote: »

Did anyone approach you closely whilst you were using the ATM?

I don't think so, but it was in the middle of Camden so a fairly busy place.

wiseshark

I would have thought £2800 transaction(s) at the bookies would raise a red flag for HSBC as it would be unusual spending.

Would a bookie allow that amount to be gambled?

Wonder if the fraudster won!!!! Guess not as the winnings surely would not be paid in cash if the bets were made using the debit card.

Atidi

So let me get this right.

You went out last Thursday night to the pub. You had a few drinks after work at the pub, and then got a cab home.

On your way home, you used the card in a cashpoint, so you had it then.

Yet by Friday morning you were £3k down, most of which was from transactions carried out at a bookies in Lewisham

Now bearing in mind Lewisham is also probably a good hour away from Camden, please enlighten us as to which bookies is open in Lewisham in the late hours of Thursday night/early hours of Friday morning :cool:


Your first post since your inaugural post when you joined 4 years ago.
Half way through half term week, we can image how bored you must be.

pmduk

wiseshark wrote: »

I would have thought £2800 transaction(s) at the bookies would raise a red flag for HSBC as it would be unusual spending.

It's never safe to assume that a bank will spot unusual spending. An elderly friend had his Natwest debit card stolen last December. Witin 30 minutes Natwest had authorised 3 transactions for alcohol (totalling almost £700) at M&S, despite the card-holder having never used his card to make a purchase.

irishjohn

Sometimes a compulsive gambler who has had a few drinks will overspend and then when they realise the level of debt, they panic. In the state of panic they may try to think of ways of recovering from the debt situation. Sometimes this can involve reporting an imaginary loss or theft and seeking to retrieve the stolen valuables or money.

wiseshark

Atidi wrote: »

Your first post since your inaugural post when you joined 4 years ago.
Half way through half term week, we can image how bored you must be.

I suspect you are right, it's a wind up. Things don't quite gel.:rotfl: