They may assert what they choose the claim they apparently use is thatMel Rowing <mel.row...@btinternet.com> posted
Not at all. The bank simply asserts that they sent you a card, so you
could have used it, so you must have used it for these disputed
withdrawals. What can you say in response other than "No I didn't",
which as we have seen doesn't cut any ice with them?
the issued card was used by a third party with knowledge of the PIN
provided by me. By precautions I have taken I can show that the card
provided by me has not been used by anyone including me. I can further
show that the PIN still under the security patch they affixed could
not possibly be known by anyone including me.
Under these circumstances I doubt whether they would push the issue.
If they did I would appeal to the Financial Ombudsman and if needs
must the County Court.
It's as I said. No bank is going to damage customer relations for the
sake of recovering a few hundred pounds. I have had an instance of
impersonation a few years ago now but with the the then BoS. The
impersonation had taken place in Bognor where I have never been and
the cards concerned were in my wallet and the wife's purse. They were
never out of our possession. I reported the matter and the cards were
stopped. The next day I was rung by BoS security. They went through
our payments with me and I identified the ones that were legitimate
and the ones that weren't The missing money was returned to our
account immediately. No problem!
Why should a bank that has been defrauded compound the loss by trying,
possibly unsuccessfully, not everyone will lie down, by trying to
recover the loss from an innocent customer possibly losing him into