Lloyds fraud

baggers02

I am afraid the bank will just see this as you or someone in your house as having done this - they will simply say you haven't taken the steps to safeguard the PIN and card and as such you are responsible - you would have more of an argument if the ATM used was a long way away from your home address.

PeacefulWaters

mikeheisenberg wrote: »

thanks everyone for your replies.
The pin was memorized and burnt.
I live in my house with my Girlfriend and no one else. She hasn't used it, she doesn't even know where the card is.

I asked the question because, in my experience, the most likely explanation is that somebody else with access to your card carried out the transaction.

Other explanations are that you did it yourself or, somehow, somebody in the local sorting office has cloned the card.

If my intention was to scam the bank I would have said I'd lost the card and someone else may have used it. what really upsets me, it's to be accused of something I never did, as basically Lloyds has done.

The number of "phantom" ATM withdrawals that take place near to the cardholder's home or place of work was over 80% back in my branch banking days, I can see why the bank thinks what they think.

mikeheisenberg

Has the cloning at the sorting office ever been discovered before?

meer53

mikeheisenberg wrote: »

Has the cloning at the sorting office ever been discovered before?

I've never heard of cloning at a sorting office, it's usually done remotely via numbers being bought on the internet. It's highly unlikely a fraudster would clone a card and then take out £20 at your local ATM.

I'd forget about it if i were you.

Goldiegirl

meer53 wrote: »

IF (and it's a HUGE if) someone "messed" with it before it was posted, how do you explain someone using your local ATM ? Cards aren't dispatched from your local branch. A fraudster wouldn't just take £20 and it wouldn't have been from your local ATM.

Exactly what I was going to say.


I remember once, back in the day, a little old couple came into the bank branch where I was working, because there'd been 'phantom' withdrawals using our ATM. They also thought no one had access to their card. I fished out the journal rolls of the ATM and it turned out that all the withdrawals were done at around 10.30 am on a Sunday morning. This was precisely the time they were at church, leaving their young grandson in the house....he'd rummaged around in the cupboards, found the card and pin, and withdrew money each week until they noticed.


Unfortunately, in these cases, the most simple, but unpalatable, explanation is the cause - some one close has found the card and the pin. (and the OP has never said that he disposed of the PIN letter safely and securely. )

maninthestreet

Goldiegirl wrote: »

Exactly what I was going to say.


I remember once, back in the day, a little old couple came into the bank branch where I was working, because there'd been 'phantom' withdrawals using our ATM. They also thought no one had access to their card. I fished out the journal rolls of the ATM and it turned out that all the withdrawals were done at around 10.30 am on a Sunday morning. This was precisely the time they were at church, leaving their young grandson in the house....he'd rummaged around in the cupboards, found the card and pin, and withdrew money each week until they noticed.


Unfortunately, in these cases, the most simple, but unpalatable, explanation is the cause - some one close has found the card and the pin. (and the OP has never said that he disposed of the PIN letter safely and securely. )

The OP stated they BURNT the PIN notification after memorising the PIN.

Goldiegirl

maninthestreet wrote: »

The OP stated they BURNT the PIN notification after memorising the PIN.

Even so, unless he did it IMMEDIATELY upon opening the letter, it still could have been looked at be someone else - e.g. he left it on the mantelpiece for a while before burning it

mikeheisenberg

Thank you for all your replies. but I'm not here to discuss if someone took the card without me knowing it. I know that for a fact. the card was hidden and I was sitting in front of it ALL day (when the transaction happened) because I had things to work on my PC. The pin was burnt as I said earlier.

Goldiegirl

mikeheisenberg wrote: »

Thank you for all your replies. but I'm not here to discuss if someone took the card without me knowing it. I know that for a fact. the card was hidden and I was sitting in front of it ALL day (when the transaction happened) because I had things to work on my PC. The pin was burnt as I said earlier.

I don't want to labour the point -but do you know what time of day the transaction happened - as ATM's are open 24 hours a day, and you may not have been at your PC for the whole 24 hours.

mikeheisenberg

Online statement reads around 2.15 pm. At the time I was home. on my PC.