View source

From Phantom

for 2004 Staniforth Case

You do not have permission to do that, for the following reason:

The action you have requested is limited to users in the group user.

You can view and copy the source of this page:

== Key Facts ==

{|
| '''Amount stolen'''                || £100
|-
| ''' Number of Withdrawals'''       || 1
|-
| '''ATM Locations'''                || Luton
|-
| '''Issuing Bank'''                 || Alliance and Leicester
|-
| '''Acquiring Bank(s)'''            || Unknown
|-
| '''Card Type'''                    || Card for joint current account
|-
| '''Withdrawal time period'''       || 1 day
|-
| '''Days from theft to discovery''' || 4 hours
|-
| '''Card theft involved'''          || Yes
|-
| '''Level of customer action'''     || Police report, Telephone enquiries to bank
|-
| '''PIN Status'''                   || PIN not written down
|-
| '''Outcome'''                      || Resolved. Customer and bank split loss 50/50
|}

== Case Details ==

* Customer used card at a local shop at 0847 on 14th August 2004.
* Discovered card missing about four hours later when about to make another transaction.
* Reported loss to bank, and discovered from them that GBP100 had been withdrawn from ATM about 2 miles away from shop where first transaction made, at about 1100.
* Customer reported theft to Luton police by phone.
* Issuing bank, Alliance and Leicester sent ATM fraud dispute form, customer filled it out and treturned it.
* Bank replied in letter stating that perpetrators must have used customer's PIN, therefore customer must be involved.
* Customer replied stating that PIN had nvery been written down, and that she had not even told her husband her PIN.
* Police investigation was started, and customer states officer in charge was also "mystified as to how withdrawals were made without PIN".
* Customer tried to reclaim loss from insurers, but insurers said that if the bank thinks customer has been negligent, they would not reimburse either.
* Finally customer wrote to bank arguing case one more time. Bank decided to refund half the sum (GBP50) and waive penalty charges that resulted from customers account going overdrawn.

Return to 2004 Staniforth Case.

Retrieved from "http://www.phantomwithdrawals.com/index.php/2004_Staniforth_Case"

View source

From Phantom

Views

Personal tools

Navigation

resources

Search

Toolbox