2004 Camm Case

Key Facts

Amount stolen	£500
Number of Withdrawals	2
ATM Locations	Unknown
Issuing Bank	Abbey National
Acquiring Bank(s)	Unknown
Card Type	Current Account
Withdrawal time period	One pair of withdrawals
Days from theft to discovery	1 day
Card theft involved	Yes
Level of customer action	Telephone conversations with bank
PIN Status	Original PIN destroyed after issue and never used
Outcome	Unresolved.

Customer left handbag in car overnight on Sun 24th Oct 04.
Car door was forced and handbag stolen. Loss of handbag discovered at noon the next day.
Customer's husband phoned Abbey National, was informed that two withdrawals each of GBP250 had been made, and that card was cancelled. * Customer cancelled other cards as well.
Customer reported theft to police, then went to local bank branch next day.
Customer was told reimbursement would be quite fast and basically just a formality.
Customer's husband pointed out that wife refused to use ATMs, and only used card as a debit card, and did not even know the PIN as she had destroyed it when first issued.
Customer was refused refund and told that she must have made PIN available to thief.
Customer states that a friend who had once worked in a bank fraud department argued with the bank on her behalf by telephone but the bank later claimed no recollection of the conversation.
Customer has still not been reimbursed.
Further details on this case to follow.