I have been a member here and been reading some of the very interesting cases and expert advice that has helped people. I need some urgent help desperately from the very nice and knowledgeable people here:

I have a Credit card with RBS with £5700 limit. I have a secondary card on my account for my brother in case if he ever needs to use it for his travel. So far this card has seen very little use between us as the 0% offers are not very good, and the general interest is very high.

2 days ago (Friday 14th Jan 2011) I saw on my Barclays current account statement online that RBS has taken £39 by direct debit. I dont remember having used the card so I thought they might have charged me wrongly for something. I am currently abroad for work (and have all my card with me). So I registered for their card online services and logged in. Found out that the card had been used somewhere in east London area. £677 spent in Asda Dagenham (13 December 2010), £418 in Tesco Beckton(13 December 2010), £500 withdrawn from RBS ATM in BP Loxford, and then £200 withdrawn from RBS ATM in Tesco Kensing next day (14 December 2010).

So I immediately checked online how to report card fraud, and made a pretty expensive phone call to the fraud team on 01268508020. Told them that I was outside the country and had not used the card for a few months for anything. They went through the usual security questions and asked for thr card security number etc to establish I still had the card. They enquired about the 2nd card and I told them that was safe too as far as I knew. They asked me to find out and ring back with the card security number of that card too. In the mean time they would cancel both cards. I told them thats fine and requested to not issue the replacements as yet as I am out of the country and didnt want the cards getting in the wrong hands (and go through this rubbish yet again). The lady I spoke to (Maggie) informed me that all the transactions were Chip and Pin transaction. she also said that she will not pass on the info to their fraud department for them to look at until I give her the card security number for my brothers card.

I then phoned my brother in the UK and asked him where the card was. He said last time he looked at his cards around 17t December weekend, he didnt see it and hence thought that it was at home with the rest of other important stuff in his desk drawer. So I asked him to check the whole room out and see if he still has it. A few hours later he confirmed that the card is no where to be seen in the whole house let alone his room.

I had a feeling that my policy with CPP (Card Protection Plan which I had purchased through Barclays as far as I remember) may still be valid. I phoned them on 01904544622 as asked if they can check if I have a policy with them. They checked and confirmed I have a current policy. I took the policy number down.

Later on, I phoned CPP and told them that the RBS card that is regsistered with them has gone missing and while checking the statements, I can now see some transactions that we didnt make for December time. They checked and confirmed that all of them are Chip and Pin transactions. They got their fraud investigator to give me a call back (saving me some money atleast). I informed him that my brother had noticed that the card was not there around the 17th December. he said he will start the investigations, inform the card company immediately and will be in touch.

This morning 24th Jan 2011, I downloaded the CPP policy document from barclaycard website and noticed that

Condition A1(d): You must report lost or stolen cards to us by telephone within 24 hours of discovering the card loss;

Section B1: We will not pay:

• more than £100 per card where your personal identification number (PIN) has been used.

Also I just noticed that I can no longer log into RBS credit card services!

Can any one please help what I should do????

As the card was REALLY first sort of noticed missing (without being 100% sure at the time) on or around 17th December weekend, I am now informing them more than a month later. According to the conditions above it has to be reported within 24 hours.

Is it actually possible for someone to work out his PIN number and abuse the card? as according to the conditions above they will only pay upto £100 (out of the £1800 approx total).

Do I still need to ring up RBS and inform them that we dont have the card security number because my brother has lost the card already back in December?

Any suggestions regarding what I should do now?

Please please someone help :sad:

PS: MODS, please move to the correct section if I have posted here wrongly. Sorry.

Please tell me if I have posted in the wrong section?

The bank is calling me and told me that it is me who has lost this money and not them and are starting to threaten me :help: