Interestingly in Spain many ATMs have cameras built in that record the image of the person taken out the cash. Mouline went on the trip, but when he checked two weeks later he found that the £500 had been debited from his bank account.
However, as Nationwide has rejected our ATM dispute no further action can be taken by the bank.".
"I don't understand how the bank can refuse to refund me.
"I waited by the machine for 30 minutes to no avail. It's the moment we all dread.
Answer Save. Got enough money on my account - informed the Lloyds Bank - no help! We speak to a London man who has taken on NatWest, Hicham Mouline has been told the cash machine which swallowed his £500 'showed no irregularities'. If either the card or the money is not taken by the customer (or someone else), it will be automatically taken back into the machine and dumped in a separate basket. In disputes such as these, Money recommends that consumers open legal proceedings with a "pre-action letter" which gives the bank 14 days to return the money, and if it fails to do so, institute a claim in the small claims court. I raised the question on social media and was advised by the bank (who shall remain nameless) to request a replacement card. He hadn't even had the opportunity to put in his PIN once, never mind more than that. Ash L. 1 decade ago. atm retained my credit card! The disputes team were informed that at the close of business on 17 June 2013 the cash machine balanced, and the machine had shown no irregularities for that day. Favorite Answer. The Which? last updated – posted 2015-Oct-18, 7:54 pm AEST posted 2015-Oct-18, 7:54 pm AEST User #607637 193 posts. 7torzy7. Your bank should then take up the matter on your behalf, and in many cases it will choose to refund the customer where there is some doubt. Ah, sometimes they do. The banks often use the "balancing" defence – as NatWest has done. When I called NatWest I was told that the card had been cancelled," he says. ATM problems happen for a variety of reasons, both technical and mechanical. The cash is only dispensed after the card is returned, but my card didn't re-emerge. Mouline's problems started in June when, needing to get some holiday cash, he went to the Nationwide ATM at the busy Canary Wharf station in east London.
The same is true of all unauthorised card payments. Participant reference: whrl.pl/ReqEGW.
atm machine retained my debit card? Other customers in Mouline's shoes have faced long delays only for their bank to reimburse them when presented with a legal threat, called a 'Letter Before Action', which them a further 14 days to respond before the commencement of proceedings in court. A spokesman for the Financial Ombudsman Service says it receives plenty of cases each year similar to Mouline's. Last modified on Fri 6 Sep 2013 10.59 BST. Where an investigation is justified, it will need to be carried out as quickly as possible .". So I called my bank and they advised there were no issues with the card, they could see the transaction request and there was no … If it contains the correct amount of cash, as appears to have happened in this case, it is harder for the consumer to argue that they did not receive their money. However, a surprising number of people simply walk off without taking the cash they have asked for. If machines in the UK were similarly equipped, it is likely there would be fewer complaints such as these.
Cancel the card like everyone else has said. by joeola4u(m): 6:21pm On Oct 04, 2007 Please can any body in the house give an advice:My ATM card was retained in the ATM machine of which i dont know that my PIN as been changed by my Jnr bros who did a withdrawal for me last.The machine said i should contact my financial institution.I used GT Bank Ojuelegba Branch in Lagos.Urgent please,Thanks. To enable Verizon Media and our partners to process your personal data select 'I agree', or select 'Manage settings' for more information and to manage your choices. Staff would look at when and how the customer had reported the problem. Any suggestions or experience? Btw sorry for my english! Mouline argues that given the bank retained his card, the machine could never have dispensed the cash.