Lost contact less card on night out

I lost my contactless card on a night. I cancelled in the morning. There are 2 payments that have taken place that I believe have happened after it was lost/stolen. One for £8. One for £42.50. is there any way of getting this back? Or not. Thanks.
«1

Comments

  • Browntoa
    Browntoa Forumite, Ambassador Posts: 49,217
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ambassador
    Only if the banks feel kind 

    The emphasis is on you to report , they are unlikely to refund anything before that
    I'm a Forum Ambassador and I support the Forum Team on the Shopping and Freebies, Phones and TV and Over 50s boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing . All views are my own and not the official line of MoneySavingExpert.
  • Matt_22
    Matt_22 Forumite Posts: 77
    Part of the Furniture 10 Posts Combo Breaker
    Forumite
    Unlikely as it's a relatively small value? And know way of proving?
  • JJC1956
    JJC1956 Forumite Posts: 328
    100 Posts Second Anniversary Name Dropper
    Forumite
    My Missus dropped her Barclaycard on a bus after she had paid for her Journey, she phoned Barclays when she realised she had lost it, she thinks it wasn’t stolen as there were only a small number of small amounts used on her card. Barclays refunded all of her money, about £60 plus.
  • MalMonroe
    MalMonroe Forumite Posts: 5,783
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    Forumite
    You reported it. And now there are payments on it. Do contact them and ask for the amounts to be refunded. Most banks will do that without question. 

    But ask your bank. They're the ones who can help you.  :)
    Please note - taken from the Forum Rules and amended for my own personal use (with thanks) : It is up to you to investigate, check, double-check and check yet again before you make any decisions or take any action based on any information you glean from any of my posts. Although I do carry out careful research before posting and never intend to mislead or supply out-of-date or incorrect information, please do not rely 100% on what you are reading. Verify everything in order to protect yourself as you are responsible for any action you consequently take.
  • Matt_22
    Matt_22 Forumite Posts: 77
    Part of the Furniture 10 Posts Combo Breaker
    Forumite
    I think it mentions any payments after the card was cancelled. These where taken before the card was cancelled. I didnt cancel till the morning.
  • [Deleted User]
    [Deleted User] Posts: 0
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Newbie
    edited 14 February 2022 at 11:23AM
    Matt_22 said:
    I lost my contactless card on a night. I cancelled in the morning. There are 2 payments that have taken place that I believe have happened after it was lost/stolen. One for £8. One for £42.50. is there any way of getting this back? Or not. Thanks.
    Generally banks will refund these things if you report the card lost, you just need to be pushy with them - it's quite possible to lose a card and not notice e.g. if you still have your wallet or phone with a card holder in, therefore if you can explain you were at home or whatever you should not be liable for transactions made with a lost card
  • 400ixl
    400ixl Forumite Posts: 1,859
    1,000 Posts First Anniversary Name Dropper
    Forumite
    edited 14 February 2022 at 11:34AM
    One of the advantages with modern banks and contactless cards is the ability to 1) switch off/on contactless instantly 2) receive instance messages of any transactions.

    On a night out where you will potentially be drinking or just in very crowded places where pick pocketing or swipe by contactless payment could be a risk you can just switch off that element, enabling it just when you need it. Or at the very least get a notification immediately and be able to block it without needing to call anyone.

    Yes it is a bit more hassle but potentially worth it.
  • 400ixl said:
    One of the advantages with modern banks and contactless cards is the ability to 1) switch off/on contactless instantly 2) receive instance messages of any transactions.

    On a night out where you will potentially be drinking or just in very crowded places where pick pocketing or swipe by contactless payment could be a risk you can just switch off that element, enabling it just when you need it. Or at the very least get a notification immediately and be able to block it without needing to call anyone.

    Yes it is a bit more hassle but potentially worth it.
    They don't always work in real time and could be bypassed by an off-line terminal, getting to a bar, turning on contactless in an app (if you have reception!) paying and turning it off again isn't realistic.
  • Ergates
    Ergates Forumite Posts: 2,108
    Tenth Anniversary 1,000 Posts Name Dropper
    Forumite
    Matt_22 said:
    I lost my contactless card on a night. I cancelled in the morning. There are 2 payments that have taken place that I believe have happened after it was lost/stolen. One for £8. One for £42.50. is there any way of getting this back? Or not. Thanks.
    Your bank *might* refund you the money, if they're feeling generous.   However, they will often refuse to refund fraud that occurs because of negligence on the part of the customer (e.g. giving someone else your online log in details).  Losing your card might constitute that.
Meet your Ambassadors

Categories

  • All Categories
  • 338.8K Banking & Borrowing
  • 248.6K Reduce Debt & Boost Income
  • 447.5K Spending & Discounts
  • 230.7K Work, Benefits & Business
  • 600.7K Mortgages, Homes & Bills
  • 171K Life & Family
  • 243.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.9K Discuss & Feedback
  • 15.1K Coronavirus Support Boards