Debit card fraud advice

K K

Kippax Street 1880

Well-Known Member
Joined
22 Mar 2010
Messages
7,700
I have just recently been cleaned out completely.

I had lost my bank card on a night out in town, I have very hazy recollections of the circumstances but I remember going to withdraw £40 as I was running a bit low on cash, but noticed a chap lurking behind me, now I do not exactly remember what happened but I presume I have fucked off pretty sharpish fearing a mugging (Was alone and pissed) yet in my state I presume I left the card hanging in the machine, and he has seen my PIN lurking over my shoulder. Around 30 minutes after this £260.00 was withdrawn from a different cashpoint (PIN was used) along with around £30 spent at some fast food places I NEVER visit (Krispy Kreme's & some indian place) All this was done the same night (Luckily I have a £300 limit on cash withdrawals) As soon as I got home (early hours of Sunday morning) I rang up to cancel my card and request a new one (At this point unaware of the thefts)

Now the unbelievable part: The fucking dolt I spoke to didn't actually bother to cancel my card - and the fuckers have been on a shopping spree around town and have completely cleaned me out.

This morning on receiving my new card I was promptly declined at an ATM & went straight to the bank to enquire - went on to speak to the fraud helpline and explained all what happened pretty much as I have here. Was completely honest to the guy on the phone. I've also reported it to the Police. (Purely to get a crime ref# - don't give a fuck about prosecution just want my money back, they had the fucking gall to tell me they 'probably won't do anything about it' though)

Now since the in shop transactions are highly suspicious (Lots of declined attempts in expensive shops etc) and I actually rang to cancel said card before they happened. I'm pretty sure I'll get this money back, however on reading up on investigation procedures I was pretty horrified lots of cases where the correct PIN & card have been used don't get refunded, due to negligence on the customers part. I very naively told the fraud helpline I still have the PIN confirmation letter in my house - it hasn't been stolen or burgled (Pretty sure about that) but apparently they can use this as a reason to refuse to refund me.

So my question is, will I get the £260.00 and the £30 odd pound refunded aswell as the transactions made after I rang up to cancel my card, or will they dig in their heels and refuse ? If so, what is the next course of action I can take ?

I bank with RBS & haven't as yet given an official statement to the Police (They said they will be in contact)

Anyone with prior experience who can give me some reassurances/advice ? I hope they will just refund all the money as courtesy due to their major fuck up in not cancelling a card I reported as lost but banks are notorious twats.
 
Kippax Street 1880 said:
I have just recently been cleaned out completely.

I had lost my bank card on a night out in town, I have very hazy recollections of the circumstances but I remember going to withdraw £40 as I was running a bit low on cash, but noticed a chap lurking behind me, now I do not exactly remember what happened but I presume I have fucked off pretty sharpish fearing a mugging (Was alone and pissed) yet in my state I presume I left the card hanging in the machine, and he has seen my PIN lurking over my shoulder. Around 30 minutes after this £260.00 was withdrawn from a different cashpoint (PIN was used) along with around £30 spent at some fast food places I NEVER visit (Krispy Kreme's & some indian place) All this was done the same night (Luckily I have a £300 limit on cash withdrawals) As soon as I got home (early hours of Sunday morning) I rang up to cancel my card and request a new one (At this point unaware of the thefts)

Now the unbelievable part: The fucking dolt I spoke to didn't actually bother to cancel my card - and the fuckers have been on a shopping spree around town and have completely cleaned me out.

This morning on receiving my new card I was promptly declined at an ATM & went straight to the bank to enquire - went on to speak to the fraud helpline and explained all what happened pretty much as I have here. Was completely honest to the guy on the phone. I've also reported it to the Police. (Purely to get a crime ref# - don't give a fuck about prosecution just want my money back, they had the fucking gall to tell me they 'probably won't do anything about it' though)

Now since the in shop transactions are highly suspicious (Lots of declined attempts in expensive shops etc) and I actually rang to cancel said card before they happened. I'm pretty sure I'll get this money back, however on reading up on investigation procedures I was pretty horrified lots of cases where the correct PIN & card have been used don't get refunded, due to negligence on the customers part. I very naively told the fraud helpline I still have the PIN confirmation letter in my house - it hasn't been stolen or burgled (Pretty sure about that) but apparently they can use this as a reason to refuse to refund me.

So my question is, will I get the £260.00 and the £30 odd pound refunded aswell as the transactions made after I rang up to cancel my card, or will they dig in their heels and refuse ? If so, what is the next course of action I can take ?

I bank with RBS & haven't as yet given an official statement to the Police (They said they will be in contact)

Anyone with prior experience who can give me some reassurances/advice ? I hope they will just refund all the money as courtesy due to their major fuck up in not cancelling a card I reported as lost but banks are notorious twats.
Click to expand...

I would make a complaint to the Bank and the financial ombudsman about this incident. If a member of the bank was told to cancel the card and that did not happen then I would think that as with continuous payments, they are liable for any loss incurred. I hope someone can clear this up, you should not have to incur this loss yourself at the cost of dozy bank staff who can't do their job properly.
 
Whilst I await the obligatory parody thread, the only advice I could give you is that surely your call with the dolt was recorded and they may be able to trace the conversation. That and the fact this fella should have put a note on your account to say you requested the cancellation.
 
Rocket-footed kolarov said:
Kippax Street 1880 said:
I have just recently been cleaned out completely.

I had lost my bank card on a night out in town, I have very hazy recollections of the circumstances but I remember going to withdraw £40 as I was running a bit low on cash, but noticed a chap lurking behind me, now I do not exactly remember what happened but I presume I have fucked off pretty sharpish fearing a mugging (Was alone and pissed) yet in my state I presume I left the card hanging in the machine, and he has seen my PIN lurking over my shoulder. Around 30 minutes after this £260.00 was withdrawn from a different cashpoint (PIN was used) along with around £30 spent at some fast food places I NEVER visit (Krispy Kreme's & some indian place) All this was done the same night (Luckily I have a £300 limit on cash withdrawals) As soon as I got home (early hours of Sunday morning) I rang up to cancel my card and request a new one (At this point unaware of the thefts)

Now the unbelievable part: The fucking dolt I spoke to didn't actually bother to cancel my card - and the fuckers have been on a shopping spree around town and have completely cleaned me out.

This morning on receiving my new card I was promptly declined at an ATM & went straight to the bank to enquire - went on to speak to the fraud helpline and explained all what happened pretty much as I have here. Was completely honest to the guy on the phone. I've also reported it to the Police. (Purely to get a crime ref# - don't give a fuck about prosecution just want my money back, they had the fucking gall to tell me they 'probably won't do anything about it' though)

Now since the in shop transactions are highly suspicious (Lots of declined attempts in expensive shops etc) and I actually rang to cancel said card before they happened. I'm pretty sure I'll get this money back, however on reading up on investigation procedures I was pretty horrified lots of cases where the correct PIN & card have been used don't get refunded, due to negligence on the customers part. I very naively told the fraud helpline I still have the PIN confirmation letter in my house - it hasn't been stolen or burgled (Pretty sure about that) but apparently they can use this as a reason to refuse to refund me.

So my question is, will I get the £260.00 and the £30 odd pound refunded aswell as the transactions made after I rang up to cancel my card, or will they dig in their heels and refuse ? If so, what is the next course of action I can take ?

I bank with RBS & haven't as yet given an official statement to the Police (They said they will be in contact)

Anyone with prior experience who can give me some reassurances/advice ? I hope they will just refund all the money as courtesy due to their major fuck up in not cancelling a card I reported as lost but banks are notorious twats.
Click to expand...

I would make a complaint to the Bank and the financial ombudsman about this incident. If a member of the bank was told to cancel the card and that did not happen then I would think that as with continuous payments, they are liable for any loss incurred. I hope someone can clear this up, you should not have to incur this loss yourself at the cost of dozy bank staff who can't do their job properly.
Click to expand...

Yeah I have complained, the guy from the fraud line I was speaking to was absolutely gobsmacked when I told him and so were the bank clerks so hopefully this will make them take a more sympathetic outlook to the money stolen before I was able to contact the bank. I think the mistake happened as I rang the 24 hour hotline at around half 4/5 am when I returned from the night out and there's obviously someone literally half asleep being an imbecile.

Just a load of fucking unnecessary stress, especially as I now have absolutely no cash and payday is weeks away.
 
Mind my ignorance but what the hell is a Dolt. By the way to the OP tell RBS your starting a new 100k a year job next week, they will fall over backwards to sort your shit out.
 
chris85mcfc said:
Whilst I await the obligatory parody thread, the only advice I could give you is that surely your call with the dolt was recorded and they may be able to trace the conversation. That and the fact this fella should have put a note on your account to say you requested the cancellation.
Click to expand...

Yeah I am sure the call was recorded - apparently it is RBS policy to automatically cancel old cards when a new one is requested unless you specifically state otherwise so someone will be getting a disciplinary. I would have taken the £300 odd on the chin for being a pissed up idiot but stuff continuing to taken using a card I reported missing is not something even a docile bastard who avoids dealing with anything financial is going to take.

Note to the potential author of Parody thread : You had better make it fucking funny !
 
Kippax Street 1880 said:
chris85mcfc said:
Whilst I await the obligatory parody thread, the only advice I could give you is that surely your call with the dolt was recorded and they may be able to trace the conversation. That and the fact this fella should have put a note on your account to say you requested the cancellation.
Click to expand...

Yeah I am sure the call was recorded - apparently it is RBS policy to automatically cancel old cards when a new one is requested unless you specifically state otherwise so someone will be getting a disciplinary. I would have taken the £300 odd on the chin for being a pissed up idiot but stuff continuing to taken using a card I reported missing is not something even a docile bastard who avoids dealing with anything financial is going to take.

Note to the potential author of Parody thread : You had better make it fucking funny !
Click to expand...

I hope you're easily pleased
 
Positive update guys; RBS have refunded the full amount. Very pleased with their response as they even did it 3 days sooner than they initially said it would take ! Police on the other hand couldn't have given less of a fuck.
 
Kippax Street 1880 said:
Positive update guys; RBS have refunded the full amount. Very pleased with their response as they even did it 3 days sooner than they initially said it would take ! Police on the other hand couldn't have given less of a fuck.
Click to expand...

Nice one, but there was me awaiting a knock on the door from the rozzers, to be arrested for the abuse of a parody thread ;-)
 
Tanzeylee said:
Kippax Street 1880 said:
Positive update guys; RBS have refunded the full amount. Very pleased with their response as they even did it 3 days sooner than they initially said it would take ! Police on the other hand couldn't have given less of a fuck.
Click to expand...

Nice one, but there was me awaiting a knock on the door from the rozzers, to be arrested for the abuse of a parody thread ;-)
Click to expand...

Haha I wasn't serious mate. I doubt the Police even gave it a second thought anyway, much too busy sat in lay-bys waiting to catch people speeding.
 
You must log in or register to reply here.
Unread Posts

Don't have an account? Register now and see fewer ads!

SIGN UP
Back
Top