Barclays Withdrawal limits / fraud repayment - issue, need help

zagfles

BooJewels wrote: »

Indeed, that was precisely why we were going that route initially. We had to decide what was most important to us - we thought, at this time, that instant access and this security were best for us just at the moment.

Maybe the best solution is to not use accounts with high balances, maintained for best benefits, as your walking around card.

Or just make sure you never enter your PIN in such a way that someone could see it. First thing I taught my kids when they got bank cards.

AnotherJoe

BooJewels wrote: »

Indeed, that was precisely why we were going that route initially. We had to decide what was most important to us - we thought, at this time, that instant access and this security were best for us just at the moment.

Maybe the best solution is to not use accounts with high balances, maintained for best benefits, as your walking around card.

^^^^^^ This

18cc

For me - and I appreciate this might not be for everyone - my 'walk around' cards are credit cards I don't carry my debit cards around at all - they are at home locked away. All my spending is done on my CC - repaid in full each month of course.

Flobberchops

Just a couple of points.

Firstly, I'm 99% sure the daily limit at an ASC is £2000, not £2500. At a certain threshold the machine will ask for part of the customer's date of birth to verify the withdrawal in addition to the card and PIN. However I imagine if this was split into small enough transactions across two days (just before, and just after midnight, for example) this could be circumvented.

As to Barclays response and your options. It's reasonable Barclays may choose to investigate the transaction, or at least weigh up the balance of probabilities, before taking a four-figure financial hit. They have no obligation to *immediately* rule in your favour unless they can *prove* you were at fault (imagine the false claims such a system would invite). You're free to complain but this will probably be resolved not in your favour if you are within the timeframe of the investigation. If the investigation produces a result you don't like you can of course complain (or re-open the original complaint if you already made one) and you have the FOS as a back-up.

It's a crummy situation and I hope it goes in your favour.

Westie983

Was this branch located in ASDA? I'm confused to the timings of the withdrawal.

Assuming the £500 x 3 was done on ATM type machines which replace cashiers why was this "branch" open at this early hour?

I hope they can locate any CCTV and prove you had nothing to do with it.

I thought there was a limit for cash machine withdrawals to limit exposure and any more to be done during banking hours with people around.

Hope you are able to shed more light and get some answers from Barclays.

Westie983

BooJewels

Westie983 wrote: »

Was this branch located in ASDA? I'm confused to the timings of the withdrawal.

Assuming the £500 x 3 was done on ATM type machines which replace cashiers why was this "branch" open at this early hour?

I think that's rather the point the OP is making - if Asda was open, but the in-store Barclays branch wasn't, the associated machine should have reverted to the terms of other non-attended ATMs with their limits, when the branch was closed.

It sounds like the thief knew of this anomaly - which would suggest to me that this machine (or other in-store ASDs) might have been used in similar frauds before.

Centrile

BooJewels wrote: »

I think that's rather the point the OP is making - if Asda was open, but the in-store Barclays branch wasn't, the associated machine should have reverted to the terms of other non-attended ATMs with their limits, when the branch was closed.

It sounds like the thief knew of this anomaly - which would suggest to me that this machine (or other in-store ASDs) might have been used in similar frauds before.

Got it in a nutshell, there was no barclays staff at this time in the Asda, as such it the machine in my mind is a cash machine and should be liable to my restrictions on daily cash withdrawals (which is £300).

I am now overdrawn in my account due to Barclays not immediately refunding my unauthorised purchases , oh well nothing more i can do but complain, there is no money so what can they do

I may be a victim but something needs to be done with regards to protecting yourself, you shouldnt need to move money into another account just to make sure that someone cant use these machines to take 2k from your account in cash withdrawals.

I have gone to the financial ombudsman and explained my situation who have advised they will contact Barclays, but i have also gone to the FCA to see if they can do anything for others to ask Barclays to be more transparent about these machines and their associated risks

mgdavid

Centrile wrote: »

.........

I may be a victim but something needs to be done with regards to protecting yourself, ........

There is, you need to take personal responsibility to safeguard your PIN and your card,


I refer to the OP where you said:
"i can only assume they watch/recording devices on a cash point i used in London then they pick pocketed me and stole my card when i went into a bar 100m down the road."


If your assumption is correct then IMO it's a bit beyond careless.

Centrile

mgdavid wrote: »

There is, you need to take personal responsibility to safeguard your PIN and your card,


I refer to the OP where you said:
"i can only assume they watch/recording devices on a cash point i used in London then they pick pocketed me and stole my card when i went into a bar 100m down the road."


If your assumption is correct then IMO it's a bit beyond careless.

I would appreciate if you dont have anything constructive to add that you keep your comments to yourself.

While i explained the situation i was in my question in my original post i wasnt really complaining about how they got my pin it was what i can do about the lack of transparency with regards to cash withdrawals (being over 2k from a unmanned machine & my rights with regards to immediate refund, if you responses on not with that in mind please dont join this post to flame me.

Centrile

@mgdavid

I would appreciate if you dont have anything constructive to add, that you keep your comments to yourself.

While i explained the situation i was in my question in my original post i wasnt really complaining about how they got my pin it was what i can do about the lack of transparency with regards to cash withdrawals (being over 2k from a unmanned machine & my rights with regards to immediate refund, if you responses on not with that in mind please dont join this post to flame me.

To provide more context to my issue, (where it was not about - i should have been safer with my pin and card (i thought i was))

When you go on to barclays site and you look for the limits on cash withdrawals it clearly states £300 (i cant post the link) but google barclays cash machine withdrawals

Then when you look at the you see a cash machine locator link - this will then send you to a map type page, on here you type 'Watford' (where the £1500 was taken), then look at the branch option and the ATM option and both will show 'Barclays bank ASDA', so even though there is only ASD machines in the ASDA they are still referring to them as ATM or that should not be under the ATM option, to conclude, ASD while do provide alot more option are cash machines and should be liable by the restrictions for cash withdrawals as stated on Barclays own website for cash withdrawal.

While Barclays to differentiate between ASDs and ATMs they also use them ATMs interchangeable with ASDs as a grouping of products/capabilities that you can with drawer cash, so i why can i assume that my cash withdrawal limits not also apply to these ASDs? - There is no transparency by Barclays and no ability to protect myself with this loophole in Barclays (and yes i believe this personally to be a loop hole you brand it how ever you like - personal opinion)