Santander fraudulent ATM withdrawals

k3lvc

dewdew32 wrote: »

Even when there is a chip in the card and the ATM machine is a chip and pin ATM?

And what/where are these 'Chip & PIN' ATM's you refer to ? I've yet to find an ATM that my standard/non Chip&PIN card won't work in via the magnetic strip

jonesMUFCforever

dewdew32 wrote: »

Even when there is a chip in the card and the ATM machine is a chip and pin ATM?

Does the ATM you use specifically say it is a C&P machine?
I have never seen one that states this.
Most will use the strip on the back of the card.

zagfles

GingerFurball wrote: »

In order from most likely to least likely:

1. You've been negligent with your PIN and kept it alongside your card.
2. You've authorised those payments and are at it.
3. Someone's magically guessed your PIN first time.

3 is ludicrously unlikely, meaning it will either be scenario 1 or 2 that the bank is considering and they are quite entitled to hold you responsible for the withdrawals.

Err...how about
4. Someoone watched the OP enter their PIN and then pickpocketed them.

You might be surprised at the number of numpties who make no attempt whatsoever to shield their PIN as they enter it - I was once stood in a supermarket kiosk queue and saw the PIN numbers of 5 or so people in front of me in the queue!!

OP - was it a credit or debit card?

Ballard

I don't wish to sound unsympathetic but I think that everyone has a duty to take care of their cards. Every one of us can lose a card or have it stolen but to not realise for months is beyond careless.

dewdew32

It was a debit card.

My understanding is that all ATM's in the UK pretty much read the chip now? ie they are all chip and pin enabled?

Hellzapoppin

I believe that all ATMs in the UK use chip and pin by default, but will also be capable of reading a magnetic strip as a fallback because not all cards are chip enabled.

In your situation, where a lost/stolen card has been used for the transaction at an ATM, it makes little difference whether the card was chip read or magnetic strip read as, being an ATM, the transaction was verified by a PIN that should be known only to you.

danonwheels

zagfles wrote: »

You might be surprised at the number of numpties who make no attempt whatsoever to shield their PIN as they enter it - I was once stood in a supermarket kiosk queue and saw the PIN numbers of 5 or so people in front of me in the queue!!

Also the people who go through the motions of withdrawing cash at an ATM and then walk off without taking the cash. I've seen this done in Leeds rail station on a number of occasions and have done it myself once when I withdrew £30. I got it back a couple of weeks later after realising what I'd done.

mapk

danonwheels wrote: »

Also the people who go through the motions of withdrawing cash at an ATM and then walk off without taking the cash. I've seen this done in Leeds rail station on a number of occasions and have done it myself once when I withdrew £30. I got it back a couple of weeks later after realising what I'd done.

In some countries, ATMs will take cash back if not removed from the slot within around 20 seconds. I've never tested this though

agrinnall

mapk wrote: »

In some countries, ATMs will take cash back if not removed from the slot within around 20 seconds. I've never tested this though

As will many ATMs in this country - it depends on the dispense method, if the notes are spat out then they can't be pulled back in, but if they remain in the dispenser slot they will be taken back after a length of time.

Flobberchops

Santander really should have the facility to raise an ATM dispute, or alternatively a fraud dispute which I think is closer to what has happened here. If they drag their heels escalate it to a formal complaint and, unless you're some kind of inveterate crank who is constantly asking for compensation, they may well refund you as a gesture of goodwill.

(Aside: yes, unclaimed cash is usually taken back into an ATM and should automatically credit the person's account, within a timeframe from minutes to sometimes days if it's a 3rd party machine. So if you see somebody leave cash in an ATM and want to be a good Samaritan, just leave the money where it is until it's retracted, they won't lose it).

[edit] At the very least you should get that card blocked and re-issued with a new PIN, have you done that yet?