2004 Hardy Case
From Phantom
Key Facts
| Amount stolen | £1090 |
| Number of Withdrawals | 6 |
| ATM Locations | Becontree Rd. and Forest Rd., London (unconfirmed) |
| Issuing Bank | Barclays |
| Acquiring Bank(s) | Unknown |
| Card Type | Delta Card |
| Withdrawal time period | 3 days |
| Days from theft to discovery | 3 days |
| Card theft involved | No |
| Level of customer action | Telephone Call, Report form filled and sent |
| PIN Status | Original PIN, used for more than 5 years |
| Outcome | Resolved. |
Case Details
- Customer used ATM in Worthing on 17th Dec 2004, tried to withdraw GBP80.
- ATM did not dispense money and took a long time to return card.
- Customer noticed three days later that GBP80 had been withdrawn even though it was not returned to him, and contacted Barclays by telephone, asking for explanation.
- Customer states he was reassured that it was simply a problem with that ATM, he should not worry, and that he should take no further action.
- Customer checked account again on 1st Jan 2005, and observed 6 withdrawals from ATMs in London, totalling GBP 1090.
- Customer immediately called Barclays, but had to call two further times before ATM fraud form was sent to him.
- Customer filled out this form and returned to Barclays, who said they would respond by 4th February.
- Barclays then refunded the total in full on approximately 19th January, comfortably within their promised period of investigation.
