LLoyds Bank v normal family

ginnylinny

can anyone please advise me what to do. Have had £200 taken out of account from local cash machine. Advised bank but they didnt stop card just took details and filled in form. 2 weeks later £300 taken from same local machine. this time i cancelled card straight away. have made loads of phone calls to branch who didnt know anything about this because bank had not attached any notes to our account, also the first set of forms we filled in were lost and the 2nd ones were shredded by bank, i feel like we are banging our heads against a brick wall. ATM people have now told us that we were negligent with our card because we carry it with us at all times. dont know who to go to now.can we take bank to small claims court. PLEASE HELP:mad:

jonesMUFCforever

Contact Customer concerns.
tel 0845 3000 000 and ask to be put through.

Write down exactly what happened (which branch you reported it etc and dates).

Consider reporting the matter to the police.
You also need to consider that it could be someone close to you so you need to be ready to face the consequences that way too.

If after the bank's response you are still not happy then you may take your complaint to the ombudsman.

You are then free to sue the bank if you do not agree with the ombudsman.

You might ask why I say that it might be someone close to you - the reason is that a fraudster would have cleaned your account out in a variety of ways in days and not waited two weeks.

Iamthesmartestmanalive

Its blatantly a family member or family friend and therefore the bank wont even consider touching it til you explain it to them who has done it and start police procedures for theft against that person

jonesMUFCforever

Iamthesmartestmanalive wrote: »

Its blatantly a family member or family friend and therefore the bank wont even consider touching it til you explain it to them who has done it and start police procedures for theft against that person

I was trying to be tactful but yes I agree.

Homework

Could it not be a copied card used by the same fraudster at the same machine?

Spirit_2

500 pounds is a lot to lose. I have recently had a fraud handled by Lloyds TSB and whilst the admin was sloppy, they did credit the disputed transactions.

At the end of October I noticed 3 euro transactions totaling 140 pounds had gone from our joint current account, the transactions were on my debit card.

I had not made these transactions and after asking OH and DD if either of them could shed any light on the transactions called LLoyds TSB to report the fraud and cancel my card. The call handler told me the transactions were in Holland. A week later a new card had arrived but after 2 weeks the papers I expected to receive (to confirm the transactions were not mine) had not arrived. I rang again. There was no record of my earlier call and reported fraud although the customer assistant could see a new card had been issued - so the poor record keeping is not unique to your case.

This call resulted in the disputed transactions and associated bank fees being refunded to my current account. Another week on and I have still not received any papers to sign.

Perhaps the bank expected you to request the cancellation of the card? I believe my OH and daughter to be honest, but sometimes even those we love can surprise us. If the bank had not taken responsibility for persuing the fraud I would have reported it as a crime.