2004 Staniforth Case
From Phantom
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- Reported loss to bank, and discovered from them that GBP100 had been withdrawn from ATM about 2 miles away from shop where first transaction made, at about 1100.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.
