Fraud with Debit Card

[jtlover]

I am having a nightmare with my bank at the moment. I have had my card used and they dont believe that it wasnt me. I have personally contacted the police and I am still not getting anywhere with the bank. The card has never left my side by the way, so it must have been copied, but the bank even say that is not possible, but the police say it can!

My job requires me to not have any sort of record and I am worried that this is going to cause me a problem at work, when I am totally innocent!!!

This is still going on 3 weeks later!!!!!!!!!!!!!!

Any advice?

 

[Claire L]

Did the bank tell you where the transactions took place? I know now that it is up to the banks to investigate these crimes initially, not the Police as it used to be.

Claire

 

[Deedee]

Get the bank to get thier fraud department involved tell them you want to know exactly where the transaction took place. We have had this happen to us twice the first time the bank put a stop on our debit card don't know how they knew but they thought it might be a fradulent transaction so they blocked the card. The second one was a visa card my DH hadn't used for some time, someone had used it to buy computer equipment on the net goldfish phoned DH up to check to see if he had used it or not. Don't let them get away with it keep on at them until they do something luckily our bank were on the ball. Good luck with it

 

[natalielongstaff]

what a nightmare i hope you get it sorted out soon

 

[Lizzy Lemon]

There is a lot of this going on in my town due to a machine being tampered with at a local garage. There are loads of people who have had their cards cloned. Of course the banks know they can be copied, what idiot at the bank told you that doesn't know what they're talking about. All the transactions from the people I know involved with this local fraud have taken place in the USA and one in India. Good luck, I'm sure it will in no way affect your record, when it happened with my credit card I had to sign a disclaimer and it was sorted. I've taken to not using my debit card only in the cash machine actually inside the bank but using cash for small purchases and credit card for larger purchases. When my credit card was used fraudulently they sorted it out without me being out of pocket but my friends debit card account has had to be put on hold and she can't even get at her own cash.

 

[irongirlof12]

How awful, can you contact your bank again and see if you can take it further? DO you live near your local branch, if so you could ask to see the manager and explain face to face.

 

[mandymouse]

That's terrible, I hope it gets sorted soon for you

 

[Laurafoster]

Thats awful i hope you get it sorted soon!!

Whoever at the bank told you that must be a complete idiot!! I worked in a bank 3 years ago and we had to investigate any fraud claim!

 

[Goofyish]

There was a problem like this discussed on BBC Watchdog:

6 February 2007

If someone stole your bank card and used it to withdraw money from your account before you had a chance to realise it was gone, you'd presume you were entitled to get your money back. Yet a number of Watchdog viewers have learned that this isn't always the case.
While Suzanne Lewis was on holiday in Devon, someone was using her card to take money from cashpoints in London. Over the course of three days, they took £1,400 from her account. But Barclays Bank refused to pay out because her pin number had been used. The bank decided she must either have written it down or shown it to someone. Lewis is adamant this wasn't the case. She said: "I couldn't believe it. I felt it was a personal affront to my integrity, because Barclays didn't believe me and I felt powerless to prove otherwise."
In the past, if your signature was forged, by law the banks had to pay out. But there's no law to cover pin transactions. The only thing protecting the consumer is the banking code - a voluntary code of practice which all banks are signed up to.
The banking code says it's up to banks to prove that you've been negligent. If they can't, they have to pay you the money back. But that's not what’s happening. Since chip and pin came in, it's up to you to prove you've done nothing wrong.
Nicholas Bohm, who's an expert in banking law, said: "In the past, proving that you'd authorised a transaction involved producing a piece of paper with your signature on it. So it was relatively easy for everyone to know whether you'd authorised it or not. But the banks have introduced a system with a pin which simply takes that clear proof away."
The banks seem to assume that chip and pin is totally safe, and therefore always presume a person has been negligent if a pin was used during a fraudulent transaction. But Cambridge University researchers Steven Murdoch and Saar Drimer showed Watchdog that they can access chip-and-pin information from someone's card without their knowledge.
In the first test of its type, they were able to intercept the information of a cardholder who thought he was making a legitimate £5 transaction in a café, and use his chip-and-pin details to successfully carry out an entirely separate £50 purchase in a high-street bookshop.
Steven Murdoch told Watchdog: "I bought £50-worth of goods with this fake card, but the money has actually come off someone else's card in a different location. The transaction was verified with their chip and pin, and that's going to show up on our victim's statement."
Murdoch went on to say: "This shows that the hard line banks are taking on victims of fraud isn't fair. There's no such thing as a 100 per cent secure system, and chip and pin isn't an exception to this rule."

Look at paragraph 12.12 of the Banking Code:

http://www.bankingcode.org.uk/pdfdocs/BANKING CODE.pdf

 

[jen_uk]

This happened to a friend of mine last week but thankfully her bank sorted it out with no problems, they told her that petrol stations are the most likely place to have your card cloned.

 

[The Master]

Keep on at your bank and get them to sort it out. Don't let them fob you off.

 

[jtlover]

The money was taken from one of those charging ATMs at 7.23 a.m. when I was at home and the bank are trying to say that someone used my card and put it back before I knew that it had gone now! The amount is £121.50 with the charge!

My integrity is in question here and I am furious as I have been with the same bank 20+ years!

 

[KayleeUK]

Hope you can get it sorted out

 

[Minniespal]

Hope you get it sorted out