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Lost card and pin number, £160 gone :(

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    Hi, I recently lost my wallet which had my debit card and pin number in it (idiotic to the extreme, I know), and reported it to my bank a week later after I realized I had 1) actually lost it and 2) it wasn't hiding in my house somewhere. It took about 2 weeks for my new card to come but as soon as it did, I checked the balance and £160 was taken out on June 2nd I know that this is all completely my own fault, so my question is, is there any point in even ringing Halifax to see if they will do anything?
    Thanks, Adam.
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    It might be a good idea, as you'd be able to find out where the money was taken out and see if there is any CCTV in the area to see who took it. It is a crime to take money from another person's account, so reporting it to the police would be a good idea.
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    You should get in touch with Halifax, see what they have to say. It may be worth getting in touch with the police as well, you never know there may be CCTV footage near the ATM. They should know what time the money was taken, so its possible to find who did it, in theory.
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    One of the pre-requisites of banks covering fraudulent activity is that you have to keep your pin safe so no I'm afraid they wont help you.
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    Ok, I'll give them a ring and then the police. Thanks for the quick replies
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    halifax then the police
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    I think banks say they will claim no responsibility for funds lost if they are taken after you have lost it, and before you have reported it to them as missing. Also the fact that you had your pin along side the card....

    Of course there's no harm in trying...Good luck.
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    (Original post by monk_keys)
    One of the pre-requisites of banks covering fraudulent activity is that you have to keep your pin safe so no I'm afraid they wont help you.
    Agreed. I was recently a victim of fraud and one of the first questions was do I write my PIN down. I don't and never have done.

    I doubt the bank will do much if you had your PIN with you.
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    Well, this is 2012 and everything people do leaves an electronic trail now. Presumably that money was drawn out at a cashpoint, in which case it might be possible to check where and when it happened. Maybe there were CCTV cameras pointed at the cashpoint at the time. Or, it may have been used to order something to an address which you might be able to find out. Finding out who did this may be possible.
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    They won't give you any compensation or any other help as because this was your fault :-/ but you can try anyway and then contact the police
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    If you don't ring the bank, they won't put a stop on the card and you could end up losing all the rest of your money. Do it now.
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    I just rang them and they can't refund the money, as you guys said. The woman didn't even ask about pin numbers though until I mentioned I had wrote it down, so I think they would have done it I have hadn't spoken up Thanks for the help though guys.
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    Why did they only take 160 pounds? What a weird thing to do.
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    (Original post by Melikeyflute)
    Why did they only take 160 pounds? What a weird thing to do.
    I only had £90 taken. They booked a hotel using my card. The same weekend I'd booked a hotel a few hundred miles away.
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    (Original post by Adam543)
    I just rang them and they can't refund the money, as you guys said. The woman didn't even ask about pin numbers though until I mentioned I had wrote it down, so I think they would have done it I have hadn't spoken up Thanks for the help though guys.
    What did she say
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    (Original post by Raja1988)
    What did she say
    Oh, loads of things, I was on the phone for about 25 minutes with her. Basically went through security questions, where it was, how much was taken, latest transactions etc. I think she was about to say she was going to find out what she could do for me, and and then I said "oh, I had the pin written down in the wallet that I lost the card in" and she went quite and said "let me speak to my manager".
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    How did they manage to withdraw that money unless you had your pin number with the card, in which case they might look down on it somewhat.. otherwise it should be reimbursed as it was lost through fraud...i think :rolleyes:
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    You put your pin in your wallet? I think you need more help than Halifax could ever offer you.

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