Nationwide card being used by someone else?

sarah7610

First of all my daughter DID NOT give her card to this girl, it was left in her house with other belongings but if you'd have read the original thread you would've known that, (or maybe not, depending on your level of intelligence)

If you can't comment on the original question then don't comment at all

bigjl

DCFC79 wrote: »

Should have just got the card blocked saying it was lost but what's done is done.

Id give the bank another try and just say its been lost.

How come the friend knew the PIN ?

I would suspect it is being used as a Contactless Card, in London you can even use them instead of an Oyster Card for travel on Buses and the Tube

With a £30 limit somebody could easily spend a fortune over a day or so

PeacefulWaters

camelot1971 wrote: »

Are you saying that someone can willfully give their card and pin to a third party, let them use the card and then claim everything back if it takes you into an overdraft when you claim it's fraud?

What section of the Act states that?

There's a difference between negligence and willingly making yourself a party to the fraud, so no, I'm not saying that.

http://www.moneywise.co.uk/news/2009-06-24/fraud-how-to-get-your-money-back

System

Except you still need the pin after a few transactions...

bigjl wrote: »

I would suspect it is being used as a Contactless Card, in London you can even use them instead of an Oyster Card for travel on Buses and the Tube

With a £30 limit somebody could easily spend a fortune over a day or so

borkid

sarah7610 wrote: »

I don't know how she knows the pin number or even if she does. You don't need a pin to shop online.

My daughter definitely phoned the bank as I was there. If she hadn't have phoned the bank then I wouldn't be on here.

This isn't a post to question my daughters actions but a post to find out if a bank can refuse to block a card when asked by the card holder

My card is protected by 'verified by visa' or something similar when I shop online, Nationwide account. You need a password which it asks me to verify sometimes.

Like others I can't understand why she didn't report the card as lost once she knew her friend had it. It only takes a couple of days for a new one to come through.

I check a couple of times a week online to see what has been taken from my account just incase.

Re contactless payments neither my credit card or debit card with Nationwide are contactless.

Bloomberg

glentoran99 wrote: »

Are you sure she has phoned the bank? Seems unlikely they refuse to block the card

You are right, the bank would put a stop on the card in a heartbeat.




What a silly post, another time waster.

mgdavid

sarah7610 wrote: »

First of all my daughter DID NOT give her card to this girl, it was left in her house with other belongings but if you'd have read the original thread you would've known that, (or maybe not, depending on your level of intelligence)

If you can't comment on the original question then don't comment at all

Oooh I thought you were the one wanting advice, why insult the poeple trying to help you?

jackywhizz

All cards remain the property of the issuing bank and are only authorised for use by the registered holder. Therefore if your daughter phones and says the card is no longer in her possssion then the Nationwide must stop it.

With regard to the fraud - your daughter is only guessing that it is her friend using the card because she left it at her house but it could be someone else entirely. She only needs to give the facts. "I left the card at my friend's house and now someone is using it."
At the moment this person has stolen your daughter's money and she should be able to get a refund although I suspect this case would be subject to a review by a senior case handler. If a refund is agreed then the money has been stolen from The Nationwide and they will involve the police. It's a difficult call for the victim when they know who the fraudster is. She has my sympathies.

eddddy

I suspect there must have been some misunderstanding during the phone call to the bank.

1. Your daughter should simply tell the bank that the card is no longer in her possession and she wants it cancelled.

2. If your daughter wants her money back, she must either:

i) Start by reporting her friend to the police for fraud, or
ii) Make an arrangement with her friend to pay back the money

3. If the bank believes that your daughter has breached the terms and conditions of the account (e,g, by disclosing her PIN to her friend), they may close her account.

glentoran99

borkid wrote: »

My card is protected by 'verified by visa' or something similar when I shop online, Nationwide account. You need a password which it asks me to verify sometimes.

Like others I can't understand why she didn't report the card as lost once she knew her friend had it. It only takes a couple of days for a new one to come through.

I check a couple of times a week online to see what has been taken from my account just incase.

Re contactless payments neither my credit card or debit card with Nationwide are contactless.

If you don't know the password all you really need is the card to reset it though. Bit of a waste of time really