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AIBU?

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Original poster

£1000 disappeared into thin air!

190 replies

PussInCoutts · 22/01/2017 17:55

WIBU to think this is not even possible??!!

I tried to withdraw £1000 from cashpoint inside a Lloyds bank yesterday.

The money didn't come out and the cashier convinced me it hadn't come off the balance, so I assumed I didn't have enough money and had miscalculated some dates of payments etc.

Just logged on to internet banking to find the £1000 has been taken off my balance!!!

WWYD? I'm on the phone to the bank now, in the queue, passed from one person to another....!!!

I'm so distressed as I really need to make a payment today with the money (for rent)!

Never could I have imagined that this can actually happen! It's only 2 months since another card of mine was fraudulently copied. My trust in banks has completely gone. Mind you I did get my money back last time, but this time it's just.... such a stressful timing... sorry for going hysterical.

Anyone else had this happen to them?

OP posts:
NameChange30 · 22/01/2017 17:59

Why were you withdrawing £1k in cash?
Sorry I'm slightly missing the point but it does seem to be a huge amount to be withdrawing.

Allthewaves · 22/01/2017 18:00

Suprised you can withdraw £1000 for cashpoint. Mines got a £300 max limit.

NameChange30 · 22/01/2017 18:00

AH sorry just saw that you were withdrawing it to pay rent. Why do you pay your rent in cash, can't you pay by bank transfer?

Bodicea · 22/01/2017 18:00

I thought cashpoints only allowed a maximum of £250/£300. Surely it couldn't have gone through to begin with.

SaltySalt · 22/01/2017 18:00

A car? A deposit? Loads of reasons!

chewingawasp · 22/01/2017 18:00

I didn't think you could withdraw that much in one go from an ATM.

PeridotPassion · 22/01/2017 18:00

The bank probably won't be able to do anything tonight op. Generally when this happens, the money will re-credit your account automatically within 48 hours - the ATM is counted daily, discrepancies identified, the bank in question contacted etc. It takes at least overnight but longer on a weekend as not all ATMs are cashed every day on Sat/Sun.

I work for a bank. When this happens, if it's a small amount (£100 or less) and the person is desperate then we'll sometimes give them the benefit of the doubt and put a credit into their account while we wait for the automatic refund. A large amount and there's no chance i'm afraid. The customer is told they have to wait the 48 hours and if nothing happens we raise an investigation which takes a few days again.

neonrainbow · 22/01/2017 18:00

Whys that any of your business anotheremma?

If you read the ops post you'd see she needs it for her rent.

Freakbag · 22/01/2017 18:02

I thought there was a limit to what you could withdraw too. I'd have gone to an actual cashier if taking that much out.

GetOrfMyBin · 22/01/2017 18:02

Halifax (which is under lloyds banking group) allow you withdraw £500 max. Wouldn't have thought you could take out more than that in one go.

TondelayaDellaVentamiglia · 22/01/2017 18:02

i thought it was a max of £250/300 per account too.

if you don't have the money it will still be in the cashmachine so once they tot it all up everything will work out.

JustPoppingBy · 22/01/2017 18:02

Don't bank and cash machines have cameras? Surely it'd be on the cctv that you didn't take a big wadge of cash away and put it in your bag/purse etc?

PeridotPassion · 22/01/2017 18:03

Mmm...that's a good point. The maximum an ATM will dispense in one go is £500 because they hold a maximum of 25 notes at a time - regardless of what your individual daily withdrawal limit is with your bank.

How exactly did you request £1k? Two x £500's?

dementedpixie · 22/01/2017 18:05

Lloyds website says you can only withdraw £500 max from their machines so you couldn't have withdrawn £1000

BigGreenOlives · 22/01/2017 18:05

The Barclay's local to me now distributes £50, £20 & £10 notes. I was very thrown the first time I received a £50.

dementedpixie · 22/01/2017 18:06

And it's £500 per day, not per machine

NameChange30 · 22/01/2017 18:06

I just think it's not very secure to withdraw so much cash, I personally would much prefer to pay by bank transfer or card or whatever, for peace of mind... it would stress me out to carry so much cash. And this is clearly a case in point, as the cash is effectively "missing" although the OP never had it. Hopefully the bank will correct their error. But I do think the issue could be avoided in future by paying another way if possible.

ThisIsStartingToBoreMe · 22/01/2017 18:09

Why do you pay your rent in cash (misses point completely)

antimatter · 22/01/2017 18:14

My dd complained to Santander as £20 didn't come out of the cash machine and was debited straight away. Santander also recognised an attempt of fraud on my account few days ago. I'd switch to Santander if I were you however you won't be able to withdraw £1000 from their cash point. £500 at the counter and £500 from the cash machine I believe.
HTH

misses the point

PeridotPassion · 22/01/2017 18:14

And it's £500 per day, not per machine

The op hasn't actually said she has a Lloyds account though, just their ATM. So she may bank elsewhere and have a daily limit of £1k.

PeridotPassion · 22/01/2017 18:16

Anti there's a massive difference in £20 and £1k!

£20 is nothing, any bank with decent service would give an immediate credit for that amount whilst waiting for the ATM to be checked.

No banks that I know of would stretch that goodwill to giving £1k instantly in case the customer was trying it on.

WyfOfBathe · 22/01/2017 18:17

When this happened to me before (although it was only with £50 or so) it went back into my account within a few days. If it doesn't, you'll need to speak to your bank and possibly also to the bank which owns the machine.

Original poster
PussInCoutts · 22/01/2017 18:17

Thanks for replies.

My income comes to a separate account, so I transfer it in cash to pay rent, makes sense? I've done this for years. I've got AS and it's the way I'm used to doing it. Never had a problem before. (yep and the acct I withdraw the cash from is not a Lloyds account)

OP posts:
thenewaveragebear1983 · 22/01/2017 18:17

The new Barclays machines inside the branch that replace the counter service allow you to withdraw up to 2000. Perhaps Lloyds have a similar set up?

harderandharder2breathe · 22/01/2017 18:18

I used to pay (much cheaper) rent in cash when I was a lodger, at my landlady's request

Contact your bank immediately. Even if the money is still in the ATM they don't know which account it belongs to unless you tell them.

Also contact your landlord and explain the situation and see if they'll give you a few days leeway while you sort it out