Fraud withdrawal £470 Halifax refuse to help.

PeacefulWaters

duffy1807 wrote: »

I queryed the daily limit too.all my previous cards are £250 . I have never asked for an increase Halifax said its standard 500

time of each transaction was on same day/morning at 2:47 , 2:47 and 2:48

I did receive my withdrawal however I do apologize it was not £40 it wasin fact £25. That adds the total of

250 + 200 + 20 and (my 25) of £495 . and normally with a daily limit of 500 you cannot get fivers out so he took everything he could .

Not many ATMs do fivers but yours did.

The overdraft question I've asked twice is extremely relevant. What a shame you won't answer it.

PeacefulWaters

GingerFurball wrote: »

Entire post is bullsh*t, which is why you're not being refunded.

Try and be more creative the next time you try and defraud your bank.

It is a sequence I've seen a few times over the years.

And never once have I believed fraud to be involved.

EachPenny

There is a simple answer - the OP believes they are a victim of theft. Rather than expecting the bank to pick up the bill the OP should report it to the police.

It sounds like the OP was in a town/city centre, very few of these don't have very good CCTV coverage. The police would be able to check the CCTV to confirm the OP's account of the conversation with the mystery person. If nobody but the OP was at the cash machine then the appropriate action will be taken.

If the OP's version appears to be confirmed by CCTV then the police would be able to see whether the mystery person then went to the second cash machine used for a withdrawal....

Whether the OP can persuade the police to invest time in an investigation is another matter, but by the sounds of things only by reporting the crime and asking for it to be investigated will the OP have any chance of getting evidence that it was someone other than himself who made the withdrawals. It still doesn't mean that Halifax would have to refund him though.

It would also be a good idea to answer PeacefulWaters question

Lokolo

To be fair to the OP. It can happen. It happened to me. Also under the influence of drinking though!

I was withdrawing cash, someone obviously saw me enter my PIN number. Wallet was then stolen and the next day the money had been withdrawn over 4 transactions.

Only option is to go to the police. The bank can't determine whether you are telling the truth or not, it's theft and therefore it needs to go to the police.

duffy1807

Sorry , No these transactions did not ake me overdraw, I do not have an overdraft facility on my bank account .

I have absolutely no idea how this has happened, I can gaurentee if CCTV could be used by the police to investigate this it would he perfectly clear it was not me who used my bank card .

I travelled alone to Sheffield and am on the way back home today ..

The question is how to persuade the police to investigate this ? . I thought Halifax would inform them To start the procedure?

Lokolo

duffy1807 wrote: »

Sorry , No these transactions did not ake me overdraw, I do not have an overdraft facility on my bank account .

I have absolutely no idea how this has happened, I can gaurentee if CCTV could be used by the police to investigate this it would he perfectly clear it was not me who used my bank card .

I travelled alone to Sheffield and am on the way back home today ..

The question is how to persuade the police to investigate this ? . I thought Halifax would inform them To start the procedure?

Why would Halifax inform them? They aren't the victim, you are.

I think this is going to be tough though and more than likely a lesson learnt.

Placitasgirl

Having worked some years alongside a Cashpoint Fraud team for one of the LBG banks I imagine that in this case Halifax will study the film from the pinhole camera which is fitted to their cash machines. They will view the film for the time of the disputed withdrawals and this will show what withdrawals the OP made, and what withdrawals may have been made by another party. The cameras are fitted at eye level and show very good images of the customers face. The audit trail for the transactions will also show whether the PIN was used for the withdrawals - it's hard to imagine it wasn't as the machine beeps to tell you to take your cash and the screen changes once this has been done, so a new PIN entry would have had to be made for further withdrawals I believe.

As far as I can see however, I don't believe that these withdrawals, if made by a third party were fraud. It would be classed as theft in my opinion, and the OP should inform the police, They too can request the footage from the camera in the machine and verify who took the cash and how.

I do agree with others that the story doesn't ring true for me - you'd be amazed how often people disputed withdrawals, then when shown the camera evidence suddenly remember it was indeed them, or often their husband/wife/person known to them who'd "borrowed" their card and PIN.

I also don't think Halifax machines offer withdrawals in increments of £5 any longer, but that's a detail in a rather improbable story I think.

alanq

Silvertabby wrote: »

Sounds like you left your card in the machine and when you walked away the other chap tapped the buttons for 'further transactions'.

The OP got some cash. In my experience cash is only dispensed after card is removed.

[Deleted User]

School holidays again? Going by the terrible spelling in the OP, I would suggest they spend more time on their education and less time being a troll on the internet.

alanq

Placitasgirl wrote: »

I also don't think Halifax machines offer withdrawals in increments of £5 any longer,...

HALIFAX BRANCH

55 SURREY STREET
SHEFFIELD
SOUTH YORKSHIRE
S1 1XX

http://www.link.co.uk/atm-locator/ shows otherwise.