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.
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  • BrowntoaBrowntoa Forumite, Ambassador
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    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_22Matt_22 Forumite
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    Unlikely as it's a relatively small value? And know way of proving?
  • JJC1956JJC1956 Forumite
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    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.
  • MalMonroeMalMonroe Forumite
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    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 that comments are strictly my own opinion, intended to help - never hinder. If they do not help then please ignore as the intention of the forum is to help everyone, if possible. MSE forum rules clearly state "no two people have the same circumstances or experiences and it is up to you to investigate, check and check again before you make any decisions or take any action based on information you glean from our community. Remember, don't rely on what you are reading. Verify it and protect yourself. You are responsible for any action you consequently make." It's always best to verify everything. Inappropriate comments will be reported, as per the Forum rules.
  • Matt_22Matt_22 Forumite
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    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.
  • edited 14 February at 11:23AM
    FarfetchFarfetch Forumite
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    edited 14 February 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

    He who rejects change is the architect of decay. The only human institution which rejects progress is the cemetery.

    -Harold Wilson


  • edited 14 February at 11:34AM
    400ixl400ixl Forumite
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    edited 14 February 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.
  • FarfetchFarfetch Forumite
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    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.

    He who rejects change is the architect of decay. The only human institution which rejects progress is the cemetery.

    -Harold Wilson


  • ErgatesErgates Forumite
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    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.
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