Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Hi there,
A while ago I was in a busy pub and I paid for my transaction by using my bank card, within 10 minutes £500 was taken from my account.
Clearly what happened was that someone saw me enter my pin number, stole my card, ran around the corner and took out £500 from my account.
I reported this to the police and to my bank - First Direct.
First Direct refused to give me back any money as they said I was negligent as I allowed someone to see me put in my pin number. I refuted this but they were adamant.
After digging around on the internet I found this...“Shoulder surfing – where criminals look over your shoulder and watch you enter your PIN, then steal your card using distraction techniques or pick-pocketing.” (Card watch website (http://www.cardwatch.org.uk/#)
I wrote to First Direct with this information pointing it out that this fraudulent activity is recognised by the financial industry. And that if they didn't' return my money back within 7 working days I would be contacting the Financial Ombudsman Services.
They returned my £500 within days, along with 6 bottles of wine, a bunch of flowers and a box of chocolates to compensate for the stress I encountered. They also returned back £55 worth of charges as the theft took me over my overdraft limit and they charged me for it. Cheeky.
If you are a victim of shoulder surfing, do not be fobbed off by banks saying that you are liable. Be really firm with any correspondence.
I hope this helps anyone who is having trouble reclaiming back their theft after a "shoulder surfing" crime has taken place.
i had £50 stolen a few weeks ago from my account someone had used my card details to pay for there mobile phone the thing that got me was that i still had my card , the night before i had rung sky tv to pay my bill that to me was the only way someone could have got my card details , i use chip and pin , when paying instore i use the same cash machine all the time and i keep my reciepts
Yes Nattie but it also claims that card fraud has decreased when we all know that this is because the banks are refusing to accept claims on the basis that the customer must have been negligent...as the OP indicated..........Recent evidence is that chip & pin fraud is on the increase something the banks continue to deny...............They don't even adhere to their own code of conduct when a claim is made......They are supposed to prove fraud or negligence........not assume it....... & in the absence of any evidence pay up...........Pretty soon, if the banks past & present behaviour is anything to go by, they will soon start finding a way of producing 'evidence' of negligence or even fraud
Thank you for the link, I will take a look at that. I been having some problems with unrecogniseable transaction lately on my credit card ... which I have now blocked till the check things out.
credit/bank card theft - Shoulder sufing
Services.
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Originally Posted by NATTIE
... which I have now blocked till the check things out.