Man loses C&P Phantom Withdrawal case

[James Firth]

Nicholas Bohm wrote:
> Bear in mind that even if the customer has a perfect alibi and the CCTV
> plainly shows some other person making the withdrawal, the bank will
> say
> the customer could have lent someone else the card and given them the
> PIN; and the very perfection of the alibi shows it to be a setup.
> 
> Evidence that the same card was apparently used at the same time in two
> widely distant places would be another matter.  But in those cases the
> banks no doubt pay up quickly and quietly, and put it down to some
> unspecified error so as not to sully the absence of a history of
> successful fraudulent attacks.

Agree to a degree, but the one case where I know someone who I strongly
suspect of committing fraud (an ex-tenant of mine) I was told by her
ex-boyfriend what she did, and she apparently withdrew the money in person
then claimed fraud.  Do not underestimate the stupidity of some, especially
in desperation of financial circumstances (i.e. owing rent!).

I personally have suffered from fraudulent action, twice from the same bank.
In both cases the bank paid without question, the first a rather large sum
withdrawn over several days.  As you say, it helps if the withdrawals follow
established fraud patterns (choice of ATM location, often using multiple
stolen cards in succession).  The second case I was actually alerted by the
bank within hours of the first transaction.

So maybe the case for image capture is not there.  I can see that.

James Firth