Page 6 | ATM withdrawal wasn’t me!

Fadeout83 · 07/08/2022 13:11

This is all very odd. Why did you fail to mention in your original post that in fact your card is lost? Why even mention cloning since it is irrelevant?

hmmmmmm

LucieLemon · 07/08/2022 13:12

Verifying with the bank your whereabouts when the money was withdrawn (ie it wasn't you who withdrew the money out in person) isn't going to be enough to demonstrate you weren't involved.

As PPs have said this isn't fraud or obtaining money by deception, it's straight up theft and needs to be handled as such.

alnawire · 07/08/2022 13:13

Fadeout83 · 07/08/2022 13:11

This is all very odd. Why did you fail to mention in your original post that in fact your card is lost? Why even mention cloning since it is irrelevant?

hmmmmmm

OP wanted people to validate the cloning thing. Clutching at straws to try and get back the money that has been stolen by someone she knows.

Fadeout83 · 07/08/2022 13:18

alnawire · 07/08/2022 13:13

OP wanted people to validate the cloning thing. Clutching at straws to try and get back the money that has been stolen by someone she knows.

Show quote history

Gotcha. My assumption was far more nefarious towards the OP! 🤣

bluebell34567 · 07/08/2022 13:25

CrystalCoco · 07/08/2022 12:26

I'm pretty sure either you or the checkout operator at Aldi would have noticed someone standing close enough to you to see you insert your PIN - with social distancing not so far behind us I find it really really unlikely that this is where the PIN was observed.

Based on the PPs quoting previous posts of yours ref your partner and his debts I'm firmly in the camp that you need to look much closer to home for your answer:

Is there any way your partner (or ex if he is now an ex) could know your PIN? (or make a good guess at it if it's a memorable date you've used)

Could your partner (ex) still have access to your house?

If the answers to these questions are YES (even if you didn't see him physically take the card) then you can be as sure as can be that your partner has stolen the card and used it to steal money from you.

probably.

bluebell34567 · 07/08/2022 13:36

rarelyontime · 07/08/2022 13:04

OP, have you checked your Starling PIN when out and about?

What some other posters may not realise is that Starling is a challenger bank (you can only use a mobile app to manage the account) and it has all sorts of features like being able to check your PIN in the app by popping in your app password or using your phone security (e.g. fingerprint scan, Face ID). If you've looked at your PIN on your phone, someone could have seen it over your shoulder, for example, if you were sitting on the bus and someone was in one of the higher seats behind you.

If someone had spotted your PIN, they might have targeted you to swipe the card out of your purse. If you normally put all of your cards in the same purse and don't, for example, sometimes put a card in a bag pocket, it seems unlikely that a stranger would have taken your card - mainly because it's harder to steal one card than it is the entire purse/bag.

Starling lets you have a 'connected card' which is effectively a pre-paid joint card you give to someone to buy stuff for you, if you don't trust them enough for a 'real' joint account or, say, they're a volunteer doing your shopping. The connected card looks the same as the normal debit card, but the debit card holder has to move funds across each time (so the person with the connected card doesn't have unlimited access to the main account funds). It's a bit of a confusing concept if you're only used to traditional banks!

The face of each card is identical.

It sounds like the OP has a normal debit card and a connected card (possibly because she gives this to her partner to do the shopping sometimes, given the justified trust issues). When someone started spending on her debit card, she got the automatic notifications on her phone, she wasn't expecting anyone to be buying stuff for her, and she panicked. When she looked in her purse, she saw a Starling card and assumed it was her debit card, but it was actually the connected card. Easy mistake to make - she would have had to take it out and turn it over to see it was the wrong card.

I completely understand the muddle, and also why the OP is so hard to follow.

It's not impossible that a stranger was able to steal the PIN and the main debit card, but given only one card was taken, I'm afraid it's much more likely that it's someone who knows you, OP.

i find this a good approach rather than directly blaming op.
op might be confused with panic.

knittingaddict · 07/08/2022 13:48

Endlesslypatient82 · 07/08/2022 12:19

I’d put money on this happening

the OP’s DP (who she previously has posted has lied to her many many times about money and is in horrific debt) nicked the money.

The Op knows it is him.

she is desperate for the money back but knows no chance from him.

so she has orchestrated this lie in the hope she will be refunded.

you won’t be OP. But you may well be arrested for attempting to defraud your bank.

I agree that this what happened.

StillHappy · 07/08/2022 14:04

OP’s history as told through her previous threads is either incredibly inconsistent or unbelievably turbulent.9

Meggie2008 · 07/08/2022 14:14

Random cash withdrawals started happening from my bank maybe 5 years ago, always from locations where I go, but not me. I actually started doubting if it was me lifting money at the shops, on my way home from work etc and forgetting that I'd actually done it.
The bank were able to get me all the locations from the transactions, and were even able to get access to CCTV from one of them.
Turns out it was my then partner. He was lifting my card out of my purse after I went to bed and returning it the next day, I didn't notice because I use Google pay to buy my lunches at work.
Possible similar happened to you?

StillHappy · 07/08/2022 16:01

Meggie2008 · 07/08/2022 14:14

Random cash withdrawals started happening from my bank maybe 5 years ago, always from locations where I go, but not me. I actually started doubting if it was me lifting money at the shops, on my way home from work etc and forgetting that I'd actually done it.
The bank were able to get me all the locations from the transactions, and were even able to get access to CCTV from one of them.
Turns out it was my then partner. He was lifting my card out of my purse after I went to bed and returning it the next day, I didn't notice because I use Google pay to buy my lunches at work.
Possible similar happened to you?

That’s awful, and I’m glad that you found out who was behind it.

It seems the OP has now disappeared, having rightly been called out on their completely inconsistent stories.

Original poster

SingSweetNightingale · 07/08/2022 17:34

I’ve not disappeared, I’m here. I’ve read all the messages.
However, the messages are now completely aggressive and accusatory when I originally posted here for advice and support.
Some of you have read through previous posts of mine I can see. The person I was speaking about then was my DCs father. He unfortunately passed away 6 months ago which I don’t wish to speak about further but therefore obviously cannot have lifted the card.
There seems to be one person here who understands how starling bank works so thank you. You can’t speak to anyone on the phone, only via messages when it comes to the fraud team.

I would advise you all to be kind. I’m a single mother, however I’m also a professional of the HR profession with a senior position and come from a fairly well of background. Not the low life you insinuate.
please also don’t assume that I am defrauding the bank due to my ex. He is not here so therefore don’t assume.

Thank you.

OP posts:

Ontomatopea · 07/08/2022 17:35

Has anyone been in your house to have pinched your card?

StillHappy · 07/08/2022 17:36

Well as you are back how about clearing up some of the massive holes in your story?

Why, given you now say that you knew your cars was lost several days ago, did you post yesterday implying that you still had it and it was cloned?

StillHappy · 07/08/2022 17:42

And the dead ex, is he the same one that you were posting about in January, who you’d been with for four and a half years and whose child you are due to have next month?

If so, this all seems very confusing. He wasn’t your ex in January, he died in February, and had huge problems with money but us a different ex with many money problems to the one that people thought may have taken your card?

helpamom · 07/08/2022 17:42

@Campolini atms don't use magnetic strips, in certain counties yes but here in the uk it's the chip.

alnawire · 07/08/2022 17:55

Maybe if you could just answer the 4 million questions about why you posted asking for advice on cloning when you knew the card was missing, not cloned, it would be helpful

StillHappy · 07/08/2022 18:04

If I’m being honest here, I find it absolutely bizarre how you posted repeatedly for advice about the man with money problems that you were with in January, have posted about other issues since, and only now that he’s knocking huge holes in your story does he turn out to be dead.

StillHappy · 07/08/2022 18:06

SingSweetNightingale · 06/08/2022 18:38

Hi all,

I’m looking for some advice as I can’t find much online that matches my current situation.

Whilst at work last Sunday I noticed two cash withdrawals at cash points had been made on my card. I immediately panicked as they totalled £300.
I contacted the bank and cancelled the card and they opened a dispute with the fraud team.

This is where my problem starts. The bank are refusing to refund me as they say it can’t be fraudulent. They said the transactions were made with my chip and pin card which can’t be cloned and whoever took the money used a cashpoint so must have known my pin.
I realised the last time I’d used the card was in Aldi the day before using chip and pin but these withdrawals weren’t made until the following day.
The location of the cashpoint is 30 minutes from my home however at the time I was an hour away from the location at work which I can prove.
Nobody uses my card or knows my pin but they’re adamant that it is not fraud and will not refund.

Has anyone been through something similar? Is it really impossible for cloning to happen on a chip and pin card? It seems like a complete mystery yet I’m being made out to be a criminal and I’m currently £300 down.

TIA

So, coming back to the above; why, given that you were well-aware by this point that it was stolen or list, were you asking about cloning?

Creepymanonagoatfarm · 07/08/2022 18:08

Op quite obviously your dcat is planning a super haul of Dreamies tomorrow...
Poseable thumbs and all that.

RichardOsmansXraySpecs · 07/08/2022 18:17

So if it wasn't your ex, who do you think it could be?
Your card has disappeared, so whoever has the card had the money, no?

Elsiid · 07/08/2022 18:21

I'm not sure who has stolen it if your ex has died but you need to have a good think as it's someone you know most likely.

ThirtyThreeTrees · 07/08/2022 18:28

Of course the bank won't refund in this situation.

Someone has stolen your card and they know the PIN.

Keeping your PIN private is your responsibility not the banks.

You need to report the theft of the card and finds to the police. Give them card number and timing of the withdrawal and the atm used.

Police is only option. Ombudsman will only tell you same as the Bank, bank is not liable.

AllThatFancyPaintsAsFair · 07/08/2022 18:30

4I would advise you all to be kind. I’m a single mother, however I’m also a professional of the HR profession with a senior position and come from a fairly well of background. Not the low life you insinuate
please also don’t assume that I am defrauding the bank due to my ex

Putting aside that single mothers, HR professionals and people from fairly well of background can all commit crime I don't think anyone is insinuating that you are defrauding the bank due to your ex but your refusal to engage with all the obvious questions isn't helping your case

Original poster

SingSweetNightingale · 07/08/2022 18:44

Please type all of your questions to me and I will answer.

I have already answered why I thought the card was cloned. BECAUSE ORIGINALLY I THOUGHT I HAD THE CARD.
Even if the card is lost, I thought it may still be cloned at an atm or a card reader.
Maybe that makes me stupid I don’t know but if people are going to continue to be nasty and aggressive then this thread needs reporting as it’s surely against the rules or the forum at this stage.
I’ve not once been offensive or aggressive in any of my posts yet that seems to be what I’m receiving from you all and quite frankly it’s disgusting.

OP posts:

StillHappy · 07/08/2022 18:48

SingSweetNightingale · 07/08/2022 18:44

Please type all of your questions to me and I will answer.

I have already answered why I thought the card was cloned. BECAUSE ORIGINALLY I THOUGHT I HAD THE CARD.
Even if the card is lost, I thought it may still be cloned at an atm or a card reader.
Maybe that makes me stupid I don’t know but if people are going to continue to be nasty and aggressive then this thread needs reporting as it’s surely against the rules or the forum at this stage.
I’ve not once been offensive or aggressive in any of my posts yet that seems to be what I’m receiving from you all and quite frankly it’s disgusting.

You claim that you discovered that it was lost several days ago, so why, yesterday were you still posting as though it was cloned?

Have a read back of your original post. You knew by then it was lost, so why no mention of this? Why the completely disingenuous line of questioning about it being cloned?