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definitive_prankster
Bank card used illegaly?
So some random person has spent money using my card, Alliance and Leicester are 'looking into it', am I going to get this money back or will the bank not care?
Additional Details
The 2 amounts spent are over £400 each, I don't think I can even draw that much out at a time (therefore I assume it's an internet site).
And my card is right here, no-one stole it, I assume someone took my details off a site when I was christmas shopping.
                     
 




pampurredpuss
Rating
Card info can be taken from anywhere.
When you hand over your card in a resturant, they walk away with it and could be taking down your details then.
Cameras on the slot where you push your card in a cash machine.
Some shops have been reported for actually taking your card and giving you back a fake one, and they would have spent up to your credit limit before you got home. You don't know it's not your card. How many of us look to see if it's our card we have got back. I always make sure I check that it's my name on the card they give back to me now.
The bank should be o.k. They do take this sort of thing very seriously, and should refund your money.
Cancel your card and get a new one immediately.


Novice
Rating
Unless the bank can reasonably assert that you wrote down or informed a third party of your pin number or committed some other breach, you will definitely be reimbursed. In the meantime, you need to have a new card/details issued to replace the existing one.

It happened to me twice in the space of six weeks. To be honest, the bank did what they were required to, but showed very little interest or enthusiasm in investigating, even though on the second occasion I had only used the replacement card just over a dozen times, and strong circumstantial evidence appeared to point towards where it had probably been cloned.


3 para
Rating
YOU WILL GET A REFUND AS YOUR CARD IS INSURED FOR INTERNET FRAUD...


5yellowchips
Rating
u will probably get a refund but 2 b sure use a credit card in future


starlet108
Rating
You will get your money back providing it wasnt used with your pin number - if it was then the bank will claim you were careless or gave the number out xxx


gpatrick900
I don't how it work in your country but you should get your money back. In the meantime you need to have the bank hot listed or hot card your bank card. So it won't allow any more charges on the card and get a new card. You should do this in person.


t3h1
depends if they decide the blame was on you, if you were careless with your card or account details then you get nothing back.


angie
You will need to fill out a form for Alliance & Leicester and will probably be required to report the matter to the police.

As long as there are no suspicious circumstances and you did not reveal your pin number or give your card to anyone you should get your money back.

It may take a little while though.


Jaff
U will get your money back, card is insured, but the hassale is there, unnecessary headache.


taz c
Usually you can get a refund - & if you can prove you weren't using your card at the time, that's even better.


FM is going away.
Rating
This happened to me. They bought something from Argos Direct from the internet for £350.00, and tried to buy something for £500. but the bank refused it due to insufficient funds,[which was a blessing].I am in the Abbey, and they were good enough to give us the £350. back.


mad_caesar
If you reported the card stolen before they spent money on it then probably. If you took out account insurance then definately. If both of the above don't apply, then maybe not.


naplusultra
Rating
Bank certainly won't care! Demand a refund. Report it to police and get a crime number. Cancel your card now! If you get through to a call centre in India etc, demand to speak to a supervisor, calls are relayed back to UK. "Looking into it" is an excuse, call again and demand immediate action. You are the victim of theft.


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