Man loses C&P Phantom Withdrawal case

[Nicholas Bohm]

James Firth wrote:
> 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 withdrawn over several days.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.

Images can help prove fraud by the customer, but the banks can decide
for themselves whether the cost is worth their while.

Because images cannot prove that there was no fraud by the customer, the
justification for imposing them on the banks in the interest of
customers is not clear cut.

Nicholas
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