Lost my Bank Card, Found and used!

Iamthesmartestmanalive

Technically you could be liable for the delay in reporting it, however for such a silly amount they wont bother

Inx

Wow, the help here is great, im going to ring my bank in about half an hour to discuss it with them, i know it is a silly amount but when your 16 and at school with your mums birthday next week you need all the money you can get.

Any ideas on how i should word this.

"hi i called yesturday about canceling my card since i lost it on the bus and after looking on my statement online i noticed that i had £16 used on "vue entertainment" the same day. Im now calling to find out if there is any way that the money can be returned to my account as i did not authorize this payment and i am aware that my local vue has a machine that doesn't ask for a pin when you buy cinema tickets so im sure whoever found it used this method to spend the money in my account.
"

Is that ok?
I realize you have to be careful what you say to these people because they can catch you out with one wrong word.

Alfie_E

Inx wrote: »

"…i am aware that my local vue has a machine that doesn't ask for a pin when you buy cinema tickets so im sure whoever found it used this method to spend the money in my account.
"

I wouldn’t say that part. You don’t have to play detective and work out how it happened. You just need to tell them you didn’t make the payment. Yes, the banking word is ‘authorise’. It’s probably best to act as if you don’t know how it might have happened.

Inx wrote: »

I realize you have to be careful what you say to these people because they can catch you out with one wrong word.

I don’t think they’re that bad. As you’re tell the truth, I don’t see why you would have a problem. It’s for such a relatively small amount of money, I don’t think the bank or cinema will even care very much.

Please ignore what Iamthesmartestmanalive said. It’s the cinema’s problem for letting stolen cards be used. If the machines don’t contact the bank for each and every payment, which is also quite likely, they still wouldn’t have known, even if you had told the bank immediately. You’ve already said you won’t wait, if this ever happens again. If it happens when you’re older and richer, you could have more inconvenience trying to get a larger amount of money back.

Infidel

Inx wrote: »

PS. For once i am asking members to flame me as i feel i highly deserve it.

You must have been pretty damned drunk. Do you even remember which film you watched?

binty

They probably wouldn't have needed the pin if they booked online first. in that case I think you need to enter card details and CVV code online, then just put the card in the machine for it to dispense the tickets.

neverdespairgirl

Inx wrote: »

I would write, rather than phone.

Any ideas on how i should word this.

"hi i called yesturday about canceling my card since i lost it on the bus and after looking on my statement online i noticed that i had £16 used on "vue entertainment" the same day. Im now calling to find out if there is any way that the money can be returned to my account as i did not authorize this payment and i am aware that my local vue has a machine that doesn't ask for a pin when you buy cinema tickets so im sure whoever found it used this method to spend the money in my account.
"

"Dear Sir / Madam,

I telephoned on X date to cancel my card, as I had lost it on the bus. After looking at my statement online, I noticed that there was a payment out for £16 billed by "Vue Entertainment" on the same day. I am now writing to find out the process for ensuring that the money is returned to my account. I did not authorise this payment.

Yours faithfully,

<your name>"

darich

binty wrote: »

They probably wouldn't have needed the pin if they booked online first. in that case I think you need to enter card details and CVV code online, then just put the card in the machine for it to dispense the tickets.

I've never used these machines but if what you say is true, then can't the cinema tie up the transaction with the stolen card and the online booking made earlier?
If so then that would probably give the card number of the person who booked at the very least - possibly more details but like i said, i've never used them.

Unless the thief used the stolen card at home to make the booking then went to the cinema in person to get them from the machine.

Either way, the transaction was not authorised so getting a refund should be fairly straightforward, if a bit time consuming and annoying.