2005 Sexton Case

Key Facts

Amount stolen	£200
Number of Withdrawals	1
ATM Locations	As yet Unknown
Issuing Bank	Natwest plc
Acquiring Bank(s)	Natwest (unconfirmed)
Card Type	Solo Debit Card
Withdrawal time period	Single withdrawal
Days from theft to discovery	4 days
Card theft involved	No
Level of customer action	Telephone enquiries, police report, written correspondence
PIN Status	Changed after Issue
Outcome	Unresolved

Customer checked his account online on the morning of Saturday 29 October 2005, noticed that he had only GBP40.00 remaining in his account after what he described as a pretty thrifty week.
The customer observed a strange transaction on Tuesday 25th October, which was not processed until the next day - indicating an overnight transaction.
The customer called the bank and was told that it was probably not a fraud, and may have been an ATM error.
Customer went to nearest branch that day and was told to file a police report, which he did at the next opportunity, the following Sunday. * He then took the police report to NatWest on the next Tuesday.
On 12th November customer received a letter saying that he was liable for the transaction, as it was carried out using his card and PIN.
Customer still in correspondence with bank.