Card stolen. All money gone

GOLFER

When I woke up on Friday money I saw my card was gone, so I immediately canceled it but I really thought I'd just lost it.

£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 i

I think this seems to answer all of the ?????? re a wind up lol

wiseshark

Yes GOLFER, you've nailed him. Congratulations.

Thiazolinedianone

Well I hope you're enjoying yourselves, I'm certainly not. Very pleased I took the time out (yes, at work) to check this board.

I've never been in a bookies before, I think I placed 1 bet on Betfair in maybe 2009 but never anything else. Apparently Paddy Power in SE8 is open pretty early.

Is that right about winnings only being paid to the debit card? I'll give them a call.

Thanks to anyone that was helpful.

opinions4u

Thiazolinedianone wrote: »

Well I hope you're enjoying yourselves, I'm certainly not. Very pleased I took the time out (yes, at work) to check this board.

I've never been in a bookies before, I think I placed 1 bet on Betfair in maybe 2009 but never anything else. Apparently Paddy Power in SE8 is open pretty early.

Is that right about winnings only being paid to the debit card? I'll give them a call.

Thanks to anyone that was helpful.

If you're genuine, and you're hoping for the bank to refund you, providing an accurate and consistent report of what's happened will be crucial.

Anything that appears to contradict what's been previously stated will create doubt as to the truth of your story in the mind of a fraud officer. Once doubt sets in, the chances of being reimbursed fall dramatically.

Thiazolinedianone

opinions4u wrote: »

If you're genuine, and you're hoping for the bank to refund you, providing an accurate and consistent report of what's happened will be crucial.

Anything that appears to contradict what's been previously stated will create doubt as to the truth of your story in the mind of a fraud officer. Once doubt sets in, the chances of being reimbursed fall dramatically.

Yes I can see that. I think the way I haven't been reimbursed immediately pending the investigation indicates the way this is going :-/

opinions4u

Make yourself familiar with BCOBS 5.1. I don't think a refund within five days is in any way a "reasonable period".

(1) 4Where a banking customer denies having authorised a payment, it is for the firm to prove that the payment was authorised.
(2) Where a payment from a banking customer's account was not authorised by the banking customer, a firm must, within a reasonable period, refund the amount of the unauthorised payment to the banking customer and, where applicable, restore the banking customer's account to the state it would have been in had the unauthorised payment not taken place.

(1) Subject to (2) and (3), a firm may, in an agreement for a retail banking service, provide for a banking customer to be liable for an amount up to a maximum of £50 for losses in respect of unauthorised payments arising: (a) from the use of a lost or stolen payment instrument; or
(b) where the banking customer has failed to keep the personalised security features of the payment instrument safe, from the misappropriation of the payment instrument.

(2) A firm may, in an agreement for a retail banking service, provide for a banking customer to be liable for all losses in respect of unauthorised payments: (a) where a banking customer has acted fraudulently; or
(b) (subject to (3)) where a banking customer has intentionally, or with gross negligence, failed to comply with his or her obligations under the agreement for the retail banking service in relation to the issue or use of the payment instrument or to take all reasonable steps to keep its personalised security features safe.

(3) Except where a banking customer has acted fraudulently, a firm must not, in an agreement for a retail banking service, seek to make a banking customer liable for any losses in respect of unauthorised payments where: (a) the unauthorised payment arises after the banking customer has notified the firm of the loss, theft, misappropriation or unauthorised use of the payment instrument;
(b) the firm has failed to ensure that appropriate means are available at all times to enable the banking customer to notify it of the loss, theft, misappropriation or unauthorised use of a payment instrument; or
(c) the payment instrument has been used in connection with (i) a distance contract; or
(ii) a distance selling contract other than an excepted contract.


(4) Except as provided in (1) to (3), a firm must not, in an agreement for a retail banking service, seek to make a banking customer liable for any consequential loss in respect of an unauthorised payment.

Thiazolinedianone

That's really helpful. Thanks. It also says in 5.1.4 that they must pay due attention to customers in financial difficulty. I'm going to have problems paying my mortgage at this rate.

RuthnJasper

Could you have left the card in the cash machine in Camden? Might be how they got it...?

wiseshark

I'm so looking forward to next week when the kids return to school!!!

Thiazolinedianone

It's possible that it was retained and I didn't notice. And then they had my PIN. I've never used a machine that would give you money unless you take your card first.