So on Sunday my card got cloned (believe to be southbound Tibshelf services) and was subsequently raped in Canada.
They bought a plane ticket, booked a hotel, then raped the card overnight for over three grand before the bank stopped them.
I learnt all this via a phone call from the bank at 1:30am Sunday/Monday morning asking if I was currently in Cananda.. :thumbsdown:
The bank confirmed my fear and blocked all my cards with them as a precaution, as well as blocking my internet banking, and told me I should get my money back within 48-72 hours, and my new set of cards and online banking details within 10 working days.
I have a second account with a different bank, which I use as my "play money" account.. I stick £20,£50,£100 in it from my main account when I think I'll need some money, and I use it soley for play (eg, It's money I know I can spend however and wherever I like, as my main account is the one I pay attention to, and any spending money goes out of it as and when - meaning I don't have to sift through random card payments to work out my finances each month).
However, I'd emptied that second account whilst out and about on Sunday, so needed to use my main account for some fuel.
That's all great in principle, but now I'm facing quite an annoying problem!
With no online access to my main account, and the card for it being cancelled, along with my credit card (same bank), the only account I have access to is my "play" account.. which had about £12 left in it come Monday morning.
I had been told I could go to the bank with my driving license and a utility bill, and I'd be able to withdraw some "emergency" cash from one of their main branches (it's not a bank that offers emergency cash via a bank machine).
The problem there is, the branch isn't open at weekends, meaning I had to go during work time. Not a problem from the work side of things, but did mean having to pay parking..
So yesterday I head out to said branch, using the remaining money in my "play" account to pay the extortionate city parking fees, queue up for an hour and eventually get served by a teller. I explain my woes, tell her what I've been told, and present my license and utility bill.
To be told that as the address on my license doesn't match my utility bill, she can't help me. (it doesn't match, as I moved house a few months back, and simply forgot to update it)
:headbang:
Not happy with this, I ask for and wait to speak to the branch manager, which takes almost another hour..
Who proceeds to tell me he "understands my situation and frustration", but that there's nothing he can do either.
The only option would be to come back tomorrow with my passport and two forms of address... which I can't do, as I keep my passport at my parents for safe keeping (I tend to loose it.. a lot)
Great.
In desperation, I rang the parents to ask for a loan into my play account, but they're off touring Italy, and cant add a new account to their banking, as they don't have their card reader with them.
The girlfriend is on minimum wage, had spent her spare money with me on Sunday, is now stone broke (as usual), and doesn't get paid again until the end of the month.
I've asked my second bank if they can remove my personal bar on my overdraft limit (set by myself to stop me accidentally overspending on my "unmonitored" account) and I'm told I can, but it will take 10-14 days.
I've also asked about opening a new credit card account, but was told that would take 10 working days for the card to arrive anyways.
The only option that seems open that would resolve my immediate issue is taking a payday loan into my "play" account, but I'm not doing that, as I'm morally against them and their ridiculous practices.
So, I'm now £6.40 worse off than I was Monday morning, and still have no access to my accounts or money.
I've got 50 miles of fuel left, which will get to and from work until my new cards arrive.
But that's it.
Basically, I've become screwed over by the very system that's meant to protect me.
I FUCKING HATE BANKS!
They bought a plane ticket, booked a hotel, then raped the card overnight for over three grand before the bank stopped them.
I learnt all this via a phone call from the bank at 1:30am Sunday/Monday morning asking if I was currently in Cananda.. :thumbsdown:
The bank confirmed my fear and blocked all my cards with them as a precaution, as well as blocking my internet banking, and told me I should get my money back within 48-72 hours, and my new set of cards and online banking details within 10 working days.
I have a second account with a different bank, which I use as my "play money" account.. I stick £20,£50,£100 in it from my main account when I think I'll need some money, and I use it soley for play (eg, It's money I know I can spend however and wherever I like, as my main account is the one I pay attention to, and any spending money goes out of it as and when - meaning I don't have to sift through random card payments to work out my finances each month).
However, I'd emptied that second account whilst out and about on Sunday, so needed to use my main account for some fuel.
That's all great in principle, but now I'm facing quite an annoying problem!
With no online access to my main account, and the card for it being cancelled, along with my credit card (same bank), the only account I have access to is my "play" account.. which had about £12 left in it come Monday morning.
I had been told I could go to the bank with my driving license and a utility bill, and I'd be able to withdraw some "emergency" cash from one of their main branches (it's not a bank that offers emergency cash via a bank machine).
The problem there is, the branch isn't open at weekends, meaning I had to go during work time. Not a problem from the work side of things, but did mean having to pay parking..
So yesterday I head out to said branch, using the remaining money in my "play" account to pay the extortionate city parking fees, queue up for an hour and eventually get served by a teller. I explain my woes, tell her what I've been told, and present my license and utility bill.
To be told that as the address on my license doesn't match my utility bill, she can't help me. (it doesn't match, as I moved house a few months back, and simply forgot to update it)
:headbang:
Not happy with this, I ask for and wait to speak to the branch manager, which takes almost another hour..
Who proceeds to tell me he "understands my situation and frustration", but that there's nothing he can do either.
The only option would be to come back tomorrow with my passport and two forms of address... which I can't do, as I keep my passport at my parents for safe keeping (I tend to loose it.. a lot)
Great.
In desperation, I rang the parents to ask for a loan into my play account, but they're off touring Italy, and cant add a new account to their banking, as they don't have their card reader with them.
The girlfriend is on minimum wage, had spent her spare money with me on Sunday, is now stone broke (as usual), and doesn't get paid again until the end of the month.
I've asked my second bank if they can remove my personal bar on my overdraft limit (set by myself to stop me accidentally overspending on my "unmonitored" account) and I'm told I can, but it will take 10-14 days.
I've also asked about opening a new credit card account, but was told that would take 10 working days for the card to arrive anyways.
The only option that seems open that would resolve my immediate issue is taking a payday loan into my "play" account, but I'm not doing that, as I'm morally against them and their ridiculous practices.
So, I'm now £6.40 worse off than I was Monday morning, and still have no access to my accounts or money.
I've got 50 miles of fuel left, which will get to and from work until my new cards arrive.
But that's it.
Basically, I've become screwed over by the very system that's meant to protect me.
I FUCKING HATE BANKS!
oke: :wink: