Barclays Letter

born_again

A stolen card with no usage on it would be a instant red flag to fraud staff of someone trying to pull a fast one. 🤣

GTR_King

Didn't think of that, 

Hopefully Barclays will have systems in place to combat that issue 

masonic

sutton111 said:

A crime number for a stolen card? Ridiculous. I wouldn’t even trouble the Police if my card was stolen, and to get a crime number would cost Tax Payers a lot more. 

Police should always be informed when such crimes are committed. You never know when such incidents may form part of a larger and more significant case. The police will be in a position to decide whether or not any follow-up would be a waste of taxpayer's money. Of course, you should not assume it is a theft just because your card has gone missing from where you left it.

Section62

sutton111 said:

A crime number for a stolen card? Ridiculous. I wouldn’t even trouble the Police if my card was stolen, and to get a crime number would cost Tax Payers a lot more. 

Requiring a crime number could also be a form of crime prevention - i.e. the fraud that would occur if someone falsely reported their card stolen to avoid the bank's fee for a replacement card.

It also means that if a person makes a false report - to the police as well as the bank - the crime they've committed is quite a serious one so more worthy of tax payer's funds being used to investigate it.  And the investigation of low-level stuff like this often turns up something more serious along the way. (~ stopping drivers for a faulty light)

eskbanker

masonic said:

sutton111 said:

A crime number for a stolen card? Ridiculous. I wouldn’t even trouble the Police if my card was stolen, and to get a crime number would cost Tax Payers a lot more. 

Police should always be informed when such crimes are committed. You never know when such incidents may form part of a larger and more significant case. The police will be in a position to decide whether or not any follow-up would be a waste of taxpayer's money. Of course, you should not assume it is a theft just because your card has gone missing from where you left it.

Agreed - in terms of actual theft versus loss/mislaying, I'm struggling to think of any scenarios where the former shouldn't be reported, given that the likes of burglary, mugging, bag snatch, etc, are clearly crimes?  For any 'lesser' theft events not considered worth reporting by the cardholder (family member or housemate taking card perhaps?), I could easily see a bank arguing that these shouldn't be exempted from replacement charges....

masonic

eskbanker said:

masonic said:

sutton111 said:

A crime number for a stolen card? Ridiculous. I wouldn’t even trouble the Police if my card was stolen, and to get a crime number would cost Tax Payers a lot more. 

Police should always be informed when such crimes are committed. You never know when such incidents may form part of a larger and more significant case. The police will be in a position to decide whether or not any follow-up would be a waste of taxpayer's money. Of course, you should not assume it is a theft just because your card has gone missing from where you left it.

Agreed - in terms of actual theft versus loss/mislaying, I'm struggling to think of any scenarios where the former shouldn't be reported, given that the likes of burglary, mugging, bag snatch, etc, are clearly crimes?  For any 'lesser' theft events not considered worth reporting by the cardholder (family member or housemate taking card perhaps?), I could easily see a bank arguing that these shouldn't be exempted from replacement charges....

Indeed, and for those 'lesser' scenarios, it would be wrong to jump to the conclusion that it is theft (dishonestly appropriating property belonging to another with the intention of permanently depriving the other of it), when most likely there is a more reasonable explanation, such as that the friend or family member was securing the card from actual theft, or they genuinely believed the owner of the card would not object to their possession of the card in the circumstances.