View Full Version : My card got skimmed :-(
HollyThirtyFive
06-02-2008, 23:44
Tonight I got back home from work to check my savings account and thinking there should over £600 in there only £15 came up. Im not sure if it has been skimmed but someone has managed to copy my card and use it in an atm.
I phoned up Yorkshire and they confirmed this balance, and I questioned whether my dd of £300 went in on the 1st and she replied "Yes but then also on the 1st £250 was withdrawn from an atm, then £150 on the same night...the next day £100 and yesterday £40 tried to be withdrawn but we stopped it"
I havnt touched my savings account card for a while now and it can only be used at an atm link or at the bank. Over the past week £550 has been stolen from my account :(
The women said its odd as only £250 a day can be taken out yet it let £400 go out in one day, and even though they stopped a payment they didnt bother informing me and she cant tell me the location of the cash point it got taken from.
They have sent me a form in the post to fill out and I should get it back but Im low enough for cash as it is and thats my travelling money :'( thank god iv pushed travels on 6 mths or I'd be screwed.
gahhh *lots of harsh swear words aimed at the idiots who did this*
Ouch, bad luck :(
I'm surprised they wouldn't tell you where the cash was withdrawn from although I guess it wouldn't help you much anyway :/
Data Protection. :/
I had £2800 disappear off a card over Christmas 2005. One of the transactions on the card was for the London Congestion Charge, which you'd think could be tied to a car registration number and then the address. Mind you, using low-value transactions like that to 'test the water' is a common tactic. The rest of the transactions involved at least one holiday booked on lastminute.com
They didn't tell me either, but as it was over Christmas and I'd spotted the problem within 7 days, they wouldn't have had the chance. Whoever it was tried to book more holiday stuff after I'd stopped the card too. :/
I had the same procedure - sign a declaration that you didn't make the transactions and they were reversed within a few days. Sounds like Yorkshire have accepted it as fraudulent though which is good news (having to prove you didn't make the transactions is a PITA).
But surely it'd appear on their transaction history and they'd say 'there was a cashpoint withdrawal from this location'?
Was always the case with Lloyds TSB at least. Obviously they wouldn't be able to tell you anymore than the name of the cashpoint though such as time etc.
Makes perfect sense they wouldn't be able to call you when it was rejected though, that's always down to waiting till the customer phones up to complain a payment's been rejected.
Mohinder
06-02-2008, 23:54
That sucks :/
Glad youre getting it back though, it would be such a shame if it had ruined your travel plans.
Actually, I have had fraud departments call me to verify transactions (I made several small internet transactions within a very short time). I wasn't at home at the time problems happened to me so they wouldn't have been able to call anyway.
As for the transactions, yes, it might show up on a statement, but data protection pedantry still applies.
As for the transactions, yes, it might show up on a statement, but data protection pedantry still applies.
Evidently Lloyds TSB must break those laws then whenever a customer asks for a transaction history :p
Davey_Pitch
07-02-2008, 00:05
I had Natwest Fraud dept call me up yesterday to verify a transaction on my Visa card, as I'd not made any purchases on it for well over 6 months. They said the request had literally just been made, and wanted to know whether they should allow it or decline it. Needless to say I was very impressed.
As for you Holly, that sucks royally. Hope you get the money back without too many problems :)
I had Natwest Fraud dept call me up yesterday to verify a transaction on my Visa card, as I'd not made any purchases on it for well over 6 months. They said the request had literally just been made, and wanted to know whether they should allow it or decline it. Needless to say I was very impressed.
That is good going :) I wish HSBC had done that for me, would have saved me a lot of hassle last year. :/
Marmoset
07-02-2008, 00:57
Very sorry to hear that. :(
My girlfriend's debit card was nicked out of her purse by a clever little **** in a pub a few years ago. Her handbag was down by her feet; he kicked it over and her mobile and purse fell out of the top. He picked up her mobile (and swiped her debit card out of her purse at the same time), tapped her on the shoulder and said "Sorry, I kicked your bag over and your phone fell out - here you go" which immediately made her think "Cheers" rather than "Thieving card-lifting bastard" so she didn't check to see if her card was there until the following day by which time he/they'd used it to make about £500 worth of online purchases. :angry:
Thankfully when we reported it to our bank (A&L) they sent us a form to sign to say that none of the transactions were ours and then refunded the whole amount.
Hope you get it sorted. :)
HollyThirtyFive
07-02-2008, 09:20
Thats reassured me, at least I know Im likely to get it all back. Im going up to the local branch today at lunch just to check its all been canx and they have sent out the form, or if they have a form I can fill out there.
Got a horrible headache this morning though :( lets hope the bank are nice and helpful!
Kell_ee001
07-02-2008, 09:44
Hope it all works out for you Holly
I'd setup a second account, or open a different bank account for your holiday fund, and leave the card at home (hidden). That way at least your holiday fund won't be compromised. I've had nearly £3k taken over the past few years - always got it back though, they're pretty good at giving money back especially if you're a good person who doesn't have weird spending habits. I've now spread my money over several accounts.
All this chip and pin stuff is rubbish - it does nothing to save your card. It just shifts the onus onto you rather than the retailer.
Hope it gets sorted soon!
Or get an account that has no card at all (e.g. some sort of online saver). :)
That sucks Holly. I'd be really pee'd off :/
You will get your money back though....it's just a matter of how long it will take.
HollyThirtyFive
07-02-2008, 18:16
It is handy to have a card for an account, especially since I am quite low on funds anyway even though I dont use my savings money alot it puts me at ease knowing I can have access to it without going to a bank.
I went to the bank at lunch and they were very helpful. It took about 40 minutes for them to get all the forms sorted, phone up HQ etc I found out that 9 transactions were made on the 1st & 2nd Feb.
There were two seperate cashpoints and a shop. One was def in London.
Now I do just have to sit and wait for them to contact me gah but hopefully it will be all sorted soon!
Beansprout
07-02-2008, 21:47
Damn :/
I'm in Colombia at the moment and lost my wallet somewhere between travelling from Mexico, via Panama, to here. I didn't notice for a week and it was Friday evening when I did notice so although I cancelled my card, I had a very nervous 48hrs waiting to call the branch and ask if anyone had used it. Fortunately nobody had otherwise I'd have been screwed methinks!
MarcLister
07-02-2008, 23:19
Bloody hell! At least you found out and are getting this sorted out. :)
NatWest sometimes ring my Mum up when I've used her card to buy something expensive that I want to buy with a credit card to get the extra protection. She actually hates it! They ring up and ask HER to prove her identity. She thinks that if NatWest want to ring her then they need to prove THEIR identity. :D
LeperousDust
08-02-2008, 01:43
Bloody hell! At least you found out and are getting this sorted out. :)
NatWest sometimes ring my Mum up when I've used her card to buy something expensive that I want to buy with a credit card to get the extra protection. She actually hates it! They ring up and ask HER to prove her identity. She thinks that if NatWest want to ring her then they need to prove THEIR identity. :D
I think its stupid when banks ring me up becuase i make a payment out of the ordinary, wtf do they expect me to buy a PC/holiday every weekend? Surely THAT would be out of the ordinary?...
Ouch, bad luck :(
I'm surprised they wouldn't tell you where the cash was withdrawn from although I guess it wouldn't help you much anyway :/
There is usually cctv cameras near atms so it could be checked and i'm shocked they couldn't/wouldn't tell holly where and when.
They could be regulars at this in the county Holly lives in. Have you phonned police to tell them whats happened?
HollyThirtyFive
08-02-2008, 09:31
Well since April 2007 a legislation was passed that meant any fraud had to be dealt with by the banks and if police assistance was needed they would have to contact the police. I did phone the police and they just told me that after I had googled it anyway.
I think when I initially called she couldnt tell me the location as when I went in the branch the manager lady had to phone HQ and then be directed to a seperate line who know the ATM codes.
Stan_Lite
08-02-2008, 09:50
I had dodgy transactions on my account at Christmas time. I called the bank and got the card stopped but couldn't do anything about it until I got back home.
I called them and they put me through to my own branch. I spoke to a very nice lady who organised me a new card (I had it in less than a week) and sent me forms to fill in which arrived two days later. I filled in the forms about 3 weeks ago and the two amounts for the dodgy transactions were refunded yesterday.
All in all, I'd say that was pretty good service. I've had good reason to criticise my bank in the past but on this occasion, they've excelled themselves. Handy having a Scottish bank with a Scottish call centre.
Hope yours gets sorted as quickly Holly. When I spoke to the bank, they said that once they process the forms, they contact the suppliers where the card was used and they have 45 days to respond so I suppose I was quite lucky. Hopefully the shop yours was used in will respond as quickly. Not sure how it works with ATM withdrawls though.
HollyThirtyFive
18-02-2008, 18:10
Got a call from Yorkshire today to say basically there is no evidence whatsoever on the card that it has been cloned so in their eyes I had the card and benig the only one who had access to it/knew the password it doesnt work in my favour. Aparently cloned cards are captured very quickly and mine hasnt been reported. How can they tell when a cloned card is used? If they could tell then why cant they stop atm's accepting it and plus I discovered it 6 days after and thats not too long.
They are informing the police now and they will contact me. Also because the last transaction I made was on 29 Dec (money stolen on 1st Feb) this is also abit too long for a fraudster to wait.
So its almost as if she was accusing me of taking the money. :( not so assured I'll get my money back yet so still its a waiting game
That's farcical. Who voluntarily withdraws £600 in varying large cash amounts from a savings account all in the same very short space of time?
I had my debit card skimmed very recently, I didn't even know until Barclays called me - they'd frozen my account and I didn't lose a penny. In my case, the copied card was used in Malaysia.. I was impressed with how the whole thing was handled, I am sorry to hear that you've not had as much luck.
MarcLister
18-02-2008, 18:23
Surely unless they can prove beyond all doubt that it was you, it wasn't you and therefore not your fault?
Don't atm's have cameras? Couldn't you prove you were no where near whichever atms it was that the money was taken from?
Sounds really sucky - hope it gets sorted out for you.
HollyThirtyFive
18-02-2008, 21:16
Well I am not stopping until I receive a refund. I have emailed the financial ombudsmen, and hopeful in the fact they have dealt with and succeeded in similar cases also receiving compensation as well.
I have written an email to the presenter from "Get it done, Get Dom" as he dealt with a similar case and got lots of compensation. (but I hope to God I dont end up on prime time tv). And I am typing up an official letter now for the Yorkshire Head Quarters.
If the police do get in contact hopefully they should monitor the ctv footage!
You need to find a way of proving where you were at the times the money was taken. Were you at work? Do you have a receipt of something you bought elsewhere around the time? There must be something :)
MarcLister
18-02-2008, 21:19
What Desmo said is a good idea. If you can prove that you were somewhere else a far enough distance from the cash machine concerned that you couldn't have been in both places at once then you are nearly there.
Also ask the bank if they have any footage or pics from the cash machine for that transaction.
HollyThirtyFive
19-02-2008, 09:24
Well I know the time of one of the payments was made at 10pm in Bow, if that was Monday I was at Yoga till 8 but if its on a Tuesday I'll have people to say I was at home. If it was in the afternoon I was at work. Feel like Im being accused of bloody murder if they want me to prove where I was.
I have sent an angry complaint letter to Yorkshire today. Also highlighting the fact they let £500 out in a day when the limit is £250 and why they failed to notify me when they froze my account. Plus when mentioning the police they'll only contact me if they need to, implying they may not so Yorkshire are basically washing their hands of the case.
mega pffft
What really annoys me about this sort of thing is I reckon it's the card skimmer people who are a huge part of bank charges increasing so rapidly. I've never heard of an instance where someone's had their card skimmed and not had the money returned to them. Banks must be losing an absolute fortune over this sort of thing.
3 of my friends had their cards cloned the other day, bringing the total for 4 people I know to £1000 in the last week!
MarcLister
19-02-2008, 12:29
What really annoys me about this sort of thing is I reckon it's the card skimmer people who are a huge part of bank charges increasing so rapidly. I've never heard of an instance where someone's had their card skimmed and not had the money returned to them. Banks must be losing an absolute fortune over this sort of thing.This is probably true. :( Banks are losing money this way so they have to make it up somehow.
3 of my friends had their cards cloned the other day, bringing the total for 4 people I know to £1000 in the last week!I think you've just confessed you know! :D
haha! I hadn't thought about that!! By the way, did I show you guys my new TV? it was a bargain! :D
MarcLister
19-02-2008, 12:31
Off the back of a lorry eh? :D
haha! I hadn't thought about that!! By the way, did I show you guys my new TV? it was a bargain! :D
Reminds me of that episode of Bottom.
"My grandfather's old pocket-watch seems awfully light."
"Yes, I removed a few parts from it - it was making an awful dint in your waistcoat pocket. I got rid of them at that antiquey watch place. Have you seen my new motorbike?"
MarcLister
19-02-2008, 12:40
Reminds me of that episode of Bottom.You is Bottom fan? :D
Fantastic show. Their second live show is unbelievably hilarious. ;D
My favourite is Hooligan's Island. Genius stuff.
MarcLister
19-02-2008, 13:04
Er I meant that one! :D
HollyThirtyFive
21-02-2008, 09:24
Well yesterday I got a call from the "Dont Get Done, Get Dom" producer....
It was suggested the other night that Dom Littlewood helped a women in my situation and managed to get her lots of compensation to so without thinking emailing a tv company would mean a possible tv appearance I emailed him. Anyway they seemed quite understanding but said wait untill someone gets in touch (yorkshire, ombudsmen, police) and let them know asap.
I cant imagine the police getting in touch anytime soon and the ombudsmen take ages aparently so doesnt look like i'll be getting my money back anytime soon but at least I have the TV on my side! (i cant imagine anything than going on tv about this)
I suppose its something at least :-/
HollyThirtyFive
21-02-2008, 14:42
I know. I meant to say "I cant imagine anything worse than giong on tv to sort this out" but my boyfriends dad and my mum who are all for protesting my rights (being a good thing) said I should push them as much as I can or nothing will be done.
I suppose from a banks pov they cant go giving money to anyone who claims to have money stolen so it wont be done in a day but they will try and fob me off with "there's no evidence of fraud" if it means I'll give up on it.
So push push push wait wait wait. Not been a good day for finances in other parts of my life either :( feeling a bit miserable about it all.
Hope it gets sorted soon Holly.
Like i said when you first posted this,
there is usually cctv around atms so they should be able to check and see who was around and used the atm at the times the money was drawn out.
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