2004 Phillips Case
From Phantom
Key Facts
| Amount stolen | £450 |
| Number of Withdrawals | 3 |
| ATM Locations | Natwest Bank Stratford CSB 3; Lloyds Bank, Highbury corner, N7 |
| Issuing Bank | Barclays Bank |
| Acquiring Bank(s) | Natwest Bank , Lloyds Bank |
| Card Type | Barclays connect card (Visa Delta) |
| Withdrawal time period | 30 minutes |
| Days from theft to discovery | 12 hours |
| Card theft involved | No |
| Level of customer action | Multiple telephone inquiries |
| PIN Status | Original PIN, unchanged since issue c. 1990 |
| Outcome | Unresolved. Customer seeking reimbursement from bank |
Case Details
- Customer used Lloyds cash machine in Highbury corner N7 at about 21:30.
- Then tried to withdraw cash from another machine the following morning, and was informed my account had exceeded its daily withdrawal limit.
- Customer checked online banking account to discover that £450 had been withdrawn without his knowledge from a Natwest ATM in Stratford.
- Customer contacted Barclays lost and stolen service who put a stop on the card, and was then transferred to telephone banking who checked my account and where able to tell me the time of the withdrawals (23:36 £100 followed by £50, 00:10 £300).
- Customer claimed he was in a nightclub in Highbury at the time of the phantom withdrawals, not far from the ATM Lloyds ATM he used earlier.
- Customer was told to to phone back during the week and ask to be put through to their fraud department to contest the withdrawals.
- Customer then contacted Barclaycard Card Protection who stated that as I still had the card there was nothing they could do for me.
- He then contacted local police to report the crime.
- They wanted a statement from my bank before they would do anything. Customer felt that Barclays didn't seem bothered that a skimming scam had occurred potentially affecting more of their customers, and also felt the police were also unconcerned about his report of a fraud on an ATM machine.
- Customer contacted Barclays again on Monday 10/05/04, and spoke to his local branch who contacted the fraud department.
- Customer expects to receive a document from fraud department shortly to fell out and send back, after which he hopes to be fully reimbursed for the loss.
