HELP-Stolen Money

LilacPixie

flashnazia wrote: »

My sister had her purse nicked at uni. Skint as she is she cancelled all cards and had to fork out for new NUS and provisional licence.

She got her statement today and lo and behold. £300 had been withdrawn twice one week after she cancelled her card.

She's on the phone to her crappy bank now as I type.

What I don't understand is, she didn't write her pin down nor is it anything memorable so how did they take the money?

Any tips on how to deal with this are appreciated.

She is a skint student and they took her loan money.:mad:

Stupid question but did she change her pin to 'something more memorable' such as her DOB?? you would be surprised the amount that do then keep card in purse with driving licence/id card

Toomuchdebt

Well if she cancelled the card and the money was taken a week later then it IS the bank's fault, as obviously it wasn't cancelled straight away...

natweststaffmember

I agree with you, it is the banks fault if they fail to put a lost marker on the card which would have prevented the withdrawal. If they have simply ordered a replacement card and therefore keeping the old card active then THE BANK is at fault.
Was it over the Easter Bank Holiday period by any chance?

ALIBOBSY

When this happened to someone I know last year the bank accused her of writing down her pin,but she knew she hadn't. After looking into it they apologised and confirmed the ATM's used had not been converted to chip and pin and still used the black strip on the card,which as we all know can be cracked easily.In fact I remember some program last year (tonight programme?) where they pointed out until the black strips are completely phased out chip and pin are not completely secure. Not sure how much things have moved on now, but to suggest that it must be the OP's fault and of course the bank must be right is a bit harsh. At the end of the day any withdrawals made after the card should have been cancelled are the banks fault and they should have refunded the amounts immediately.
ali x

hethmar

Well, I still cant work out how someone could use my credit card number (twice in 2 years) to buy stuff without knowing all my details or pin? The card is never out of my bag (in fact even I dont know the pin!) - I only ever use it to buy stuff on the net from https sites yet twice this has been used. Luckily Ive been refunded both times but it is sickening.

flashnazia

Have rung the branch and about to go in with my sister.

Turns out the transaction is to National Express. Have rung them but they won't help due to 'data protection'.

It was online and I am slightly irked when ppl assume my sister is lying and or stupid in having a silly pin or writing it down.

We are really security conscious and she doesn't even let her MATES come with her to the ATM in case they see her pin.

The transaction happened on the same day her card was stolen. She is not sure what time she rang the bank to stop the card but in any case the money came out one week after reported stolen.

It was a debit card so why a whole week to show on statement?

Is it worth wasting a whole day going to cop station gto report it?

TotallyBroke

It can always take a week or more for the money to come out of account. Myself personally would've reported it to the police straight away but that's because I've been burnt before. Get in touch with the police. Tell them that the bank may have details of the person who may have stolen the card and ask them to get in touch with the bank.

izzwizz_2

She'll probably have to report it to the police and obtain a crime number in order to have any chance of the bank coughing up. This happened to my partner, it turned out to be a "friend" who had seen him typing his PIN into the machine, then later stole his wallet. The bank (Lloyds) eventually paid up at the time (this was in the early days of ATMs, nearly 20 years ago now)

missile

I do not understand you said

£300 had been withdrawn twice one week after she cancelled her card

then

transaction with National Express

Is it two transactions with National Express, or what? They may be expensive, but £300 seems an awful lot for a bus journey.

James

The important thing here is:

She got her statement today and lo and behold. £300 had been withdrawn twice one week after she cancelled her card.

She shouldn't have to pay anything, check out the new Banking Code (click here) You want Chapter 12.

Good article in The Telegraph - Banks Are Too Chipper About PIN Fraud. (9 Apr 2008).