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debit card lost/stolen - now it has been used to make an "unauthorised" payment


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Hi Folks, Have a problem.

 

On Saturday (11th Feb 2012), I went on a shopping trip and when I went to pay discovered my wallet (with driving licence and debit card) had disappeared.

 

I phoned NatWest (my bank) to inform them of my missing card and it was cancelled. I also was given an "Emergency Withdrawal" of £60 to buy some food for the weekend and have funds until a new card was issued, and at the same time was issued with a mini bank statement showing a balance of £160.

 

I received my card today (14th Feb) and as I use NatWest Online banking, I went on to check my bank statement.

 

Here it quite clearly shows that on Saturday a payment via POS (Point Of Sale) of £10 was made using my missing card.

 

I phoned NatWest as I assumed it was perhaps a Charge for the Emergency Withdrawal and queried as as to why I wasn't informed of this charge, to be told I hadn't been charged AND the payment of £10 had been made to O2 on the 11th of Feb.

 

I do not have an O2 phone, nor did I make a payment to them as I did not have my card!

 

NatWest say they will investigate this: however I have been informed that a payment could be made with a debit card without the need for a PIN Number, so my question(s) are this/these:

 

1. Is this true, (even though I do not keep a record of my PIN Number in my wallet), a debit card can still be used without a PIN Number;

 

If this is the case then how "Un-secure" are debit cards?

 

2. Where do I stand in terms of a refund (if any)?

 

Thanx

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Hi

Natwest are correct. I suspect the misuse was done online where when you use your card, you don't use your pin but the 3 digit security number on the back of the card.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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As to your rights - read the FSA guide "know your rights". That will tell you where you stand.

 

The trouble is that we are finding that NatWest do not know your rights and so they will normally cause a lot of trouble trying to deprive you of your rights as well as your money.

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Some card depends on the bank all you have to do with the card is hold it against the card machine and payment goes through no pin no nothing just like a fast food drive through but think there is a limit to it.

 

I would imagine the bank will investigate the payment and as it is a small amount a refund should happen

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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I think it's only Barclays that are trialing the contactless technology at the moment. Could be wrong though

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Correct SF only Barclays have contactless technology.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Re Unauthorised Payment:I have since contacted NatWests Fraud Department, where I explained the situation regarding stolen Debit Card and a subsequent unauthorised transaction.They first of all informed me that they are now Officially opening a Fraud case for this transaction; will inform the Police, and because the transaction was a small amount ie £10, they will refund in full the amount back into my account. Thanx for your help/advice.

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This is good news, If the card was used online and for a phone payment transaction, they should easily be traced.

I was thinking that too BUT I suspect o2 won't be too forthcoming with the details of the phone number the top-up applied to. Data Protection?

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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