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Lloyds fraud

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  • DCFC79
    DCFC79 Posts: 40,641 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 14 June 2016 at 3:07PM
    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
    Goldiegirl Posts: 8,806 Forumite
    Part of the Furniture 1,000 Posts Rampant Recycler Hung up my suit!
    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!
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
  • 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
    bigfreddiel Posts: 4,263 Forumite
    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
    Ben8282 Posts: 4,821 Forumite
    1,000 Posts Combo Breaker Newshound!
    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
    jonesMUFCforever Posts: 28,898 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    How do you get the time of a cashpoint withdrawal on a Lloyds statement - mine just shows the date and location of the ATM?
  • 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
    mikeheisenberg Posts: 15 Forumite
    edited 14 June 2016 at 8:48PM
    "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?
  • "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
    mwarby Posts: 2,049 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    From a completely different angle, was the cashpoint used covered by cctv ? could the bank show cctv from the time the withdrawal was made ?
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