Hey Folks, I am here to discuss this matter with you's and get as many suggestions as possible so here it comes...
There was a fraud commited on my Aib Mastercard in the begining of january i withdrew a tenner on sunday from tyrellstown TSB Atm, I remember it was sunday nite. Next day some ''ROOSTER'' withdrew 1100 euros from my account aspite my 1000 Euros limit on the card. I didnt find this out until next friday when i went online to pay my rent through internet banking.
I contacted AIB MasterCard dept and addressed the issue right away they told me Card is now blocked and my details are sent to fraud dept for investigation. Than a few days later i received a letter saying they are very sorry but I am liable for 1100 Euros + over limit fee + cash withdrawl charges. I went to the Police about it and they told me to contact my Credit Card company and ask for the following:
***Letter from CC company confirming the fraud with transactions listed on it.
***Which ATM was used?
***What time withdrawls took place?
I contacted CC customer care they refused to send me such details. In my 24 hour banking it shows that 1100 Euros was withdrawn from BOI atm in one night 200 on each attempt but no other information is visible. Police said its not enough coz it doesnt confirm fraud being commited.
I rang them again and they transfered me to fraud department finally i got a chance to speak to someone in there. That man knew the whole story and assured me that he will put in an appeal for me, today i got a call from them they said whoever took my money had my Card and PIN they said money was withdrawn from Cork not dublin (another crystal clear clue that its fraud) but the chap on the phone told me the card that was used to withdraw money had a chip on it and money was withdrawn through my Pin. I live in Dublin how is it possible for someone to withdraw my money using my card and pin when i had the card all along??
This is IMPOSSIBLE, i am not dumb i had a posession of my card all along which i still do but they wouldnt listen to me so in the end he said i will receive a letter from them on monday advising me to take it to indepandint financial adviser or something .... I asked him if i could go to the Police with the letter but he said its upto me whether police will get the person or not i am liable for 1100 Euros +the charges + interest + over drawn fees ..... I am totally gob smacked and i dunno what to do .. All i know is I am NOT going to pay this money coz i its not me who withdrawn it.
ANY SUGGESTIONS??? Sorry for the novel above but did this happen to any one of you ??? what should i do ???