Contactless debit card fraud

Heathereve

Please send me the link to another thread if this isn't the correct one.

I had my purse stolen last week and the Lloyds debit card has been used many times before I got it stopped. I feel I'm banging my head up a brick wall. Police/shops won't help without times and bank said they don't have times? Has anyone had any experience of this and how did you get on with it

Flobberchops

Not sure why the onus of proof is on you. Just report it to your bank as fraud and they'll log it like any other fraudulent activity, surely?

The bank can see the time of each transaction, the vendor name, and whether chip and PIN or contactless were used.

PeacefulWaters

The bank should be reimbursing you for any fraudulent transactions.

You shouldn't be pursuing any retailers.

jonesMUFCforever

How many times did it get used contactless?
A maximum of 5 transactions can be done before a PIN needs to be entered.

newatc

jonesMUFCforever wrote: »

How many times did it get used contactless?
A maximum of 5 transactions can be done before a PIN needs to be entered.

Don't think that is correct as I've used contactless cards that have been used well over 5 times without using a pin (perhaps it depends on the provider).

Heathereve

Police have fraud number but haven't contacted them, emailing me saying they will file case until I give them the appropriate info!! I've been to a few of the shops who have said they need times to check cctv as they have over a thousand transactions a day

Heathereve

They have reimbursed me

TheShape

Heathereve wrote: »

They have reimbursed me

Your work is done then. It's the bank's loss now.

Shakin_Steve

First post 4:55pm, reimbursed by 8:11pm. Well done bank.

Tanative

jonesMUFCforever wrote: »

How many times did it get used contactless?
A maximum of 5 transactions can be done before a PIN needs to be entered.

That's not correct, it's based on card usage... for instance, if someone does a large number of contactless payments on a regular basis in and around the same locations, the providers will allow more transactions to go through before needing to input the pin number.

Anthorn

Heathereve wrote: »

Please send me the link to another thread if this isn't the correct one.

I had my purse stolen last week and the Lloyds debit card has been used many times before I got it stopped. I feel I'm banging my head up a brick wall. Police/shops won't help without times and bank said they don't have times? Has anyone had any experience of this and how did you get on with it

Change your bank to one which notifies you of transactions through an app on your mobile phone or otherwise get a (prepaid) card which does that and use that card. Starling Bank notifies me of a transaction with my debit card within seconds as does Soldo prepaid debit card.

jonesMUFCforever wrote: »

How many times did it get used contactless?
A maximum of 5 transactions can be done before a PIN needs to be entered.

It varies with the bank: In my own personal experience TSB were absolute ball breakers requiring a PIN every few contactless transactions but Co-op Bank never did it.