ATM Distraction Theft Lloyds

Sarahb22

My 19 year old son who is a student in Manchester has been victim of ATM card theft.. Came out of a nightclub at 4.00am went to use ATM and was distracted by someone asking him to change 2 fivers....
Didn't realise til he got home that his card was gone. He tried to report online but website was down.
Lloyds phoned him next morning to ask if he had made a small payment at a convenience store and he checked his banking app to see that £1,100ish had come out in several transactions overnight which he told them.
Called police to report it, got a case number for Lloyds who seemed at the time to think he would get a refund.
Not heard anything from them for over a week and called again today to be told that they weren't going to give him a refund as thought his chip and pin had been compromised and suggested he call action-fraud..
Can't quite believe that this can happen.... Since googling it sounds like it's happening quite a lot in Manchester.
Poor boy has been getting up at 5.00am all summer to work at Morrisons full time to save for Uni and some scumbag can steal over a months wages in less than 12 hours...!
Any help in what to do next would be much appreciated...😔

molerat

If the internet option was down why did he not phone and report the card stolen ? http://www.lloydsbank.com/help-guidance/customer-support/lost-or-stolen-cards.asp
He needs to start a formal complaint. https://www.lloydsbank.com/contact-us/how-to-complain.asp

IAmWales

Can he evidence that the website was down, do Lloyds agree that it was?

pogofish

Instead pf posting another thread on the same subject in the wrong forum, why not PM a board guide to get your thrrads merged and placed in an appropriate forum?

tastyhog

how did they get his pin, because they certainly didn't make £1,100 in transactions with contactless.

you sure you son didn't visit a strip club and then realise what he had done in the cold light of day.

dj1471

tastyhog wrote: »

how did they get his pin, because they certainly didn't make £1,100 in transactions with contactless.

you sure you son didn't visit a strip club and then realise what he had done in the cold light of day.

It was an ATM distraction, so somebody overlooked the entering of the PIN then took the card.

Sarahb22

Sorry first time on here and not sure which forum or how to move it? Sorry just really worried ...

System

Lloyds lost and stolen is a freephone number that would have worked free on almost any phone including payphones and mobiles with no credit.

Why didn't he call up asap, if the online service was down.

pollypenny

A similar thing happened to my DD in London. Without the card she didn’t have a number, but rang me so that I could ring the bank to stop the card.

It took about 15mins, but £200went in that time.

This was before smartphones.

Browntoa

That's wrong

The onus is on the card holder to report the loss or theft of the card immediately

Samsung_Note2

My 19 year old son who is a student in Manchester has been victim of ATM card theft.. Came out of a nightclub at 4.00am went to use ATM and was distracted by someone asking him to change 2 fivers....
Didn't realise til he got home that his card was gone.

Ok lets be blunt...your lad came out of a nigh club at 4am and used a cash point,you dont mention how many he had,i dont know many people who come out of night clubs at 4am who can walk let alone use a cash machine safely.