Incomplete Withdrawal Money not returned.

Chino

camelot1971 wrote: »

Yep, complete nonsense. If you don't respond to the fee prompt the machine just gives you the card back and that is it.

You're assuming that there was a fee prompt before the money was dispensed. Evidently in the OP's case there wasn't, merely a notification of the fee that would be charged once the money had been dispensed.

Chino

Ben8282 wrote: »

Also for this to be correct the message must have appeared and the OP walked away AFTER the card had been returned.

It's common practice for ATMs to return cards before dispensing money. This way, customers don't take the cash and walk away without taking their card.

Ben8282

Chino wrote: »

It's common practice for ATMs to return cards before dispensing money. This way, customers don't take the cash and walk away without taking their card.

Yes agreed but it is NOT common practice for ATM's to then display messages informing of extra charges after the card has been returned is it?

Ben8282

Chino wrote: »

You're assuming that there was a fee prompt before the money was dispensed. Evidently in the OP's case there wasn't, merely a notification of the fee that would be charged once the money had been dispensed.

Yes of course there would have had to have been a fee prompt before the money was dispensed if there was going to be a fee charged.

born_again

Chino wrote: »

It's common practice for ATMs to return cards before dispensing money. This way, customers don't take the cash and walk away without taking their card.

In the UK yes... It's not uncommon for oversea's ones to do the reverse.

As to OP and non response from the ATM owner. Odd's on they won't as they have no idea who he is.

Ben8282

I doubt that the ATM operator will want to discuss the workings/abilities of their ATM with the OP.

db2016

time to put it down to experience,

and i know this is MSE / consumer focussed, but for the amount in question it sounds like you have put in many hours work, is it worth it?

also personal experience, i have only used in uk though, but any fees pop up on screen before i accept so i have the CHOICE - and this would be law / good practice in the industry im sure, or there would be an uproar! probably one MSE would champion rightly so.

also all machines ive used (even ones inside the bank) give the card back first.

Flobberchops

Sounds like Starling have given a pre-credit "refund" which they later took back after their communications with the ATM operator revealed the cash had been dispensed correctly, rather than being retained or unexpectedly jammed in the machine. Starling can at this point only conclude that the OP is making a fraudulent claim or is liable through negligence - walking away without taking the cash, leaving a third party to nab it, does NOT qualify for a refund from the bank.


OP, you have laboured long and hard for the sake of sixty measly Euros. For the sake of your sanity lay this to rest. The end of the calendar year (and the decade) is as good a time as any to unshackle yourself from this burden. Have a drink, laugh about it, and move on.

breaking_free

ATM protocol may well vary from country to country, but I can confirm that in South Korea a cash machine will indeed take back the money if it is not taken from the dispenser in a timely manner.

My story: one evening, after a few too many glasses of soju I went to make an ATM withdrawal. I was so busy yakking to my pal that I ended up retrieving my card but NOT the money (eegad!) It was an hour later that I realized my error whereupon I rushed back to the ATM and spoke to the security guard. Nothing he could do that late at night of course, but I came back the next day and wouldn't you know it - one of the bank tellers had an envelope of money set aside waiting for this daft foreign lady to come in and collect it.

So sometimes you can be successful in reclaiming money that was swallowed by an ATM (at least in South Korea).

jonnygee2

Branagorn wrote: »

Around a month later, I noticed the money had been taken again. So I write an email to Starling asking why this decision had been made. The explained that the bank had sent them the ATM records, which showed the Transaction being made. They had reviewed it, and would no longer be supporting my dispute. They sent me copies of the evidence in the post.

In this case, someone must have stolen the money. ATMs are designed to keep accurate logs, if there were €60 extra in it that would be logged. So, someone stole the money before the machine swallowed it back.

There's nothing either your bank or the ATM provider can do for you. They have done their jobs perfectly well and dispensed money for you after you authorised them to do so. The problem is that after that the money was stolen. It's little different to if it had been stolen out of your wallet or purse.

The only thing you could do is report it to the local police, and then try and claim it back off travel insurance. Although it's most likely it's too late for that, and it would likely not cover the excess, and the insurer might not cover it due to negligence. So, yep, time to move on.