Lost contact less card on night out 13 February at 5:40PM in Reclaim Bank & Credit Card Charges 13 replies 868 views

Matt_22

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.

Browntoa

Only if the banks feel kind 

The emphasis is on you to report , they are unlikely to refund anything before that

Matt_22

Unlikely as it's a relatively small value? And know way of proving?

JJC1956

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

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. 

Matt_22

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.

Farfetch

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

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.

Farfetch

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

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.

cx6

was it a credit or debit card

https://www.which.co.uk/consumer-rights/advice/my-card-has-been-lost-or-stolen-and-used-to-purchase-goods-aA9jH8l5V6Zz