Lloyds fraud

DCFC79

Maybe you do forget about it.

I've opened various bank accounts with nothing like this happening, your just a tad unlucky.

Investigate the counter on the cards chip, might get you somewhere.

Goldiegirl

mikeheisenberg wrote: »

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

I suppose there's the possibility that the card wasn't in it's hiding place - perhaps it could have been taken before you started work at the PC, and replaced after you'd finished?


I'm just trying to look for a rational solution!

[Deleted User]

The odds of someone:

intercepting your mail, including pin
you not noticing they have been tampered with
your card being cloned, including the chip (not just the magnetic stripe)
being local to you
only taking £20 out

is so unlikely that if that actually did happen, you might want to buy a lottery ticket.

They say the simplest solution is generally the right one... so either this is a wind up or someone in your house is a liar.

bigfreddiel

As soon as you get your card you should change the pin. Then only you know it

Do this next time.

If you're not going to use the card destroy it as soon as it arrives

Cheers fj

Ben8282

If somebody had 'messed with the card' before it was posted as you suggest it is highly unlikely that it would have been used in an ATM near your home.

jonesMUFCforever

How do you get the time of a cashpoint withdrawal on a Lloyds statement - mine just shows the date and location of the ATM?

mikeheisenberg

sorry the time wasn't taken from the statement but Lloyds fraud line gave it to me. Thanks again for your help. Sadly the chip counter cannot be discovered anymore. I spoke on the phone with them and they told me once you block the card all the information in it disappear. So I'll never be able to know it. This is one of the most insane situation I've never came across. I consider myself lucky it was only 20£, still I'm hitching. I'll just forget about it and move on.
thank you.

mikeheisenberg

"If somebody had 'messed with the card' before it was posted as you suggest it is highly unlikely that it would have been used in an ATM near your home."
but what if the purpose of this was to make it in a way I wouldn't notice it.
20£, if you use the account daily, you hardly notice it.
ATM near where I live so even harder.
The ATM also was at the post office (from what I've gathered from googling what was written on my statement) where my mail comes from and where they have my address.
What if it was a test to see if it worked and to see if I didn't notice?

mikeheisenberg

"As soon as you get your card you should change the pin. Then only you know it"

I always do that and I was meant to do it that Sunday but as I said at the end I never left the house.

mwarby

From a completely different angle, was the cashpoint used covered by cctv ? could the bank show cctv from the time the withdrawal was made ?