Egg Card Misuse Help

[DGC]

Hi all

 

wondered if anyone could advise as to the best way to proceed

I have an egg card and on the way to the airport last year i used it for the first time at a cash machine i then went on holiday for a week with the card in my pocket .

On returning home £2500 had been withdrawn using my card details from varies machines around the M25.

I complained to egg i was eventually told that the card had been used as the chip not the strip had been read and they would not refund the money as the PIN had been used as well ,despite trying they would not accept any responsibilty ,and as i have a loan with them i could not afford to rock the boat too hard .

After reading the forum i have finally decided that i should have chalanged the decision harder but do not know what to do next or have i left it too long .

 

Thanks

[orfoster]

No i wouldn't say you left it too long. I would call them telling them that this card was used as fraud. Hmmmm not sure who you can call on this for advice, maybe your local CAB or try Consumer Direct (not sure if they deal with this) Consumer Direct give them a try. Come back to us and let us know how you get on.

 

Also i think more info can be found on these sites:

Card Watch raises awareness about all types of plastic card

BBC - Support for You - Card Fraud

APACS - Plastic Card Fraud

 

It may be good to post this in the Litigation part of this website as well as someone may answer you better there. Good Luck

[orfoster]

If someone else uses your card before you tell your bank or building society that it has been lost or stolen, or before you tell them that someone else knows your PIN, the most you will have to pay is £50. In practice the bank or building society will usually refund the full amount lost, but if you are shown to have acted fraudulently or without reasonable care, for example by keeping your PIN written down with your card, you may have to meet all the losses.

 

Hope this helps. If they have been shown now to have treated you unfair i would call Consumer Direct just to be sure on this.

[DGC]

Well the main argument is that the chip not the strip was read can this be copied and is it possible to tell this ?

[snapdragon]

As far as I am aware as long as you report the fraud to the Police (and got a crime number) and have not knowingly provided access to your PIN to anyone else the Bank Have to refund your money unless they can prove that you were an accessory to the crime - don't take things lying down.

 

If you have a problem email me as I work for a Bank and will ask what our policy is on this.

[orfoster]

Thats not for you to say and i dont have a clue, perhaps they copied the details of you card. However if you are sure no one saw ur PIN and you don't have it written down they cant charge you that amount. Thats out of line and i would say you have strong grounds to complain.

[DGC]

Hi

had a call from Egg today re card misuse ,they said it was not possible to copy the chip but gave me an address to appeal to if i considered there original opinions (from last year ) wrong .

They appeared quite cocky until i mentioned this forum after which they asked for full imformation regarding this board and its reason for existance.

I relly need to find out if there are other cases of this recorded and what most banks would do in Eggs situation (need banks names)

 

Do you think they will cancel my card and loan that i will have with them?

[orfoster]

No just because you are in dispute with them i wouldn't of thought they would cancel your loan or account. Have you tried getting advise from Consumer Direct or citizens advise. Some of the details and links are above.