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Ash, Solicitor
Category: Law
Satisfied Customers: 10916
Experience:  Solicitor with 5+ years experience
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I have been told by my bank that fraud transaction done

Resolved Question:

I have been told by my bank that fraud transaction done by my chip and pin will be returned to me but i'll have to sign a declaration. My worry is what if the bar where this happens dispute it. Do i need to keep hold of the money for period of time?
Submitted: 2 years ago.
Category: Law
Expert:  Ash replied 2 years ago.
Hello my name is ***** ***** I will help you with this.
Did you report it or did the bank tell you it was fraud?
Customer: replied 2 years ago.

Hi there, Yes i've reported it to the bank(s) - was 3 banks in total. One has given me the money back - it seems to be £1,850 say

Expert:  Ash replied 2 years ago.
Wow. £1850 in a bar?
Customer: replied 2 years ago.

Ahem. City bar. I can provide the details. I knowingly made the first 3 transaction by chip and pin but in my state i wasn't aware that my pin had been seen by staff i believe, they then used my cards like crazy. I am worried about what action they can take - can they get money back from my bank or go after me through courts?

Expert:  Ash replied 2 years ago.
But when you say 'they used your cards' then this was not authorised, is that correct?
Customer: replied 2 years ago.

For the best of my knowlegde i did not make any further transaction after the first 3. So it went £10, £40 and £60 then after that it went to £125 etc and lot more. This was all from one card. They also signed another credit card i have, which i know was not me because i never sign my cards (Stupid i know).

I'm just want to know what come back this club has on me or the bank. And if i need to put this money aside in case they try to claim it back?

Expert:  Ash replied 2 years ago.
OK - don't worry. Its clearly fraud. Whilst you can't stop them taking you to Court they would need to show that you made the genuine transactions. Therefore whilst you can set the £ aside I would not worry. Clearly this is fraud and indeed you could get the Police involved and those prosecuted.
Can I clarify anything for you about this today please?
Ash and other Law Specialists are ready to help you
Expert:  Ash replied 2 years ago.

I am just following up on this. Is there anything else I can help with? If so, please let me know.