Deleted

Big_Dog32

Sorry Deleted.

WillPS

Keep that receipt, take a clear picture of it for safekeeping.

If you haven't already, contact your card issuer and tell them what happened. They will liase with the ATM operator and sort this on your behalf. With the evidence you have I am quite sure your money will eventually be returned, but there is a process they need to go through.

MattMattMattUK

Big_Dog32 said:

WillPS said:

Keep that receipt, take a clear picture of it for safekeeping.

If you haven't already, contact your card issuer and tell them what happened. They will liase with the ATM operator and sort this on your behalf. With the evidence you have I am quite sure your money will eventually be returned, but there is a process they need to go through.

Many thanks for your reply. Would it be worth waiting a couple of days before contacting my bank to allow time for the ATM company to return the money to my account? Thanks again.

The way the ATM network works is that when you go to withdraw money it asks your bank if you have enough/it is allows and then receives that request back, your bank treats that as complete at that point. Normally the ATM would then dispense the cash, in this instance it has had an issue, recognised that issue and not dispensed. That will have been referred back to your bank, but with reconciliation it can take a working day or two to reappear in your bank account. I would contact them if it is not back in your account on Wednesday. 

WillPS

I'd personally call now, explain what's happened. Perhaps they'll say to call back at some point if you haven't seen it, but at least it'll be noted that you have called at this time.

DasTechniker

Big_Dog32 said:

Thank you so much for your replies guys. You have definitely put my mind at rest. I have never had anything like this happen to me before, so it was quite a shock when my money didn't come out of the machine.

There is a thread somewhere on here that discusses the very same issue but with a Sainsburys machine. If I remember correctly, the poster did get his money back but it took some time.

sausage_time

DasTechniker said:

Big_Dog32 said:

Thank you so much for your replies guys. You have definitely put my mind at rest. I have never had anything like this happen to me before, so it was quite a shock when my money didn't come out of the machine.

There is a thread somewhere on here that discusses the very same issue but with a Sainsburys machine. If I remember correctly, the poster did get his money back but it took some time.

You may be thinking about this thread?

https://forums.moneysavingexpert.com/discussion/6489302/sainsburys-bank-atm-faulty-or-cash-trapping-scam/p1

Thankfully the current case on this thread seems to me much more straight forward, and I fully expect a swift and favourable result.  Hang onto that receipt!  

Andy7856

When similar happened to me once (the ATM rebooted during the transaction), I phoned HSBC and they straight away credited my account with the amount in question, and said they would investigate, the credited money may have to be returned if the investigation showed no fault.  The motto (to me anyway) is always contact your bank regardless of machine operator ASAP logging time/date/machine location.

theATMguru

My advice on these matters is always to contact your own card issuer, there’s zero point in messaging the name of the complany that’s displayed on the ATM - they do not have access to your account to validate if you have been debited or not. 

Contact your card issuer, explain whats happened and if it’s put you in financial distress then say so. They will likely credit your account or provide an interest free o/d pending any automatic reversal of the transaction which will happen within one business day.

They will reserve the right to debit your account if the automatic reversal occurs.

Also bear in mind that there are millions of ATM transactions per day, the likliehood of this happening is remote.

ps - any fraudsters looking in thinking that Banks’ don’t operate controls on ATM claims better think again

kkkklinky

Something similar happened to me a few years ago...in my case the machine rebooted just as it was about to dispense cash, I received no money and a receipt that claimed I had been paid.
In my case they had to count the cash in the machine to verify an excess balance to the exact amount I tried to withdraw which was quick as it was my own banks ATM attached to my bank.
My advice is to never use those portable atms in shops and try to use machines that are connected to your own bank preferably connected to the bank.

theATMguru

Use reputable ATMs all the time, the ones inside corner stores will be poorly maintained, likely be self filling by the store and being brutally honest they probably run on Windows XP, have old encryption, the machines will be out of support and the back office functions will be slow to respond.

Banks and Tesco are the best around. Morrisons and Sainsburys recently sold to independent ATM deployers who are far more commercially focussed.

username

theATMguru said:

Use reputable ATMs all the time, the ones inside corner stores will be poorly maintained, likely be self filling by the store and being brutally honest they probably run on Windows XP, have old encryption, the machines will be out of support and the back office functions will be slow to respond.

Banks and Tesco are the best around. Morrisons and Sainsburys recently sold to independent ATM deployers who are far more commercially focussed.

That's very true, you should see the state of some of the Notemachine ATMs, in all of my time I've seen numerous instances where there has been some sort of fault - once I was in large services and the machine rebooted spontaneously, eating the client's card, and giving them no cash. Our local one in a railway station can be found crashed with the cursor on a black screen on occasion, until presumably someone comes to fix it.

They've also taken to abandoning some of their phonebox ATMs in the street, not even bothering to remove the ATM or enclosure and just leaving it to decay.

It's a shame banks don't routinely offer remote ATMs much anymore, even for the sake of brand awareness or alloowing their clients to manage their accounts.