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Cash machines and what do you do when no money comes out.


bumpkin

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I am interested to know what others have done in these circumstances and how it was resolved. In my case I put my card into a machine at a Tesco garage entered £200 to take out, It processed the transaction and said wait for your money but it never came. How long does one wait? after about 5mins I decided to go into the shop accepting the risk it may come out 10 seconds later and be taken by someone else. There was a security van on the forecourt so I asked the manager if I could speak to one of the security guys. I was told no in no uncertain terms. One of them happened to walk back to the van so I asked him whats wrong with this machine and explained what had happened. It transgressed that they had opened the back of the machine after I had entered the code but before the money came out. The money was not taken from my account but I am curious as to whether other members have had similar experiences or what they would do.

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wiz-king

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This was on Money Box a few weeks ago. The banks are re-reimbursing a lot of customers if asked so tell your bank if it happens to you.

Link

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BT

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Seems to me that the machine should be disabled/switched off to prevent this sort of thing happening while its being serviced. Surely its not beyond the designers to incorporate a switch that operates when the machine is opened, which effectively stops it operating while its being filled.

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morddwyd

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The first thing to check for is a false front. This is a well known symptom of scamming.

Next do not accept any offers of help, particularly from nice young men with eastern European accents.

I would then note as many details as I could and contact the bank concerned.

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john bunyan

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The event in wiz-kings link happened to me. I requested £70 from a Nat West machine at an ASDA branch. Got distracted and it was about 10 minutes before I realised I had not collected the cash. I spoke to ASDA but they could not help. I assumed that someone had thought it was their lucky day. A few weeks later my account was credited with the £70, so I assume the cash was sucked back in.

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bumpkin

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BT (machine should be disabled/switched off) they are but in my case at exactly the wrong moment i.e. after I had entered my details and retrieved the card but before the cash came out. I would have though they should be able to tell if it is in use before disabling it, that would make more sense.

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Phil Ocifer

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Conversely, what do you do when you find cash sticking out of a machine and nobody else around? It was only £20 but I thought it best to be honest - you never know who's watching, what with all these CCTV cameras around these days!!

And before you say I'd have pocketed it if I thought I could have gotten away with it . . . perhaps so if it had been laying on the ground. however, I thought the bank could probably trace it. Could have been a distracted OAP on their last £20 for the meter; could also easily have been enough for somebody a much needed line of coke . . . who knows!! :)

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nickf

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Advice for you all . I am an ATM engineer , I work on machines at most major banks . In Bumkins case , it was the security guards fault , the rear operator panel displays when a customer is using the ATM , he obviously didn't bother to check . It is always best to use an ATM run by your own bank , and when withdrawing cash ALWAYS ask for a receipt . You have about 30 seconds to firstly take your card , and then another 30 seconds to take your cash . Fake fronts are quite rare and usually in poorly lit areas . The single most important thing is PROTECT YOUR PIN ! Even if your card is skimmed , they cant get cash without your pin . Cover the pin pad with your hand or wallet/purse . Most of the high street banks now have security devices that will either stop a skimming device from working , or will put ATM out of service to prevent fraud occurring . If you find most of the ATMs in an area are out of service , it is quite probable that the only working one is unprotected and has a skimming device on it ! And FE is correct all ATMs are currently running on Windows XP .

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bumpkin

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nickf, thanks for your input, that was the only explanation I could think of, glad to have it confirmed by an ATM engineer.

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bumpkin

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phil ocifer, If you believe in honesty I am amazed that you would give it to a bank. The unfortunate thing is that those that draw small amounts of cash are probably the ones whom it hurts most if they lose it.

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finerty

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Ive noticed with some Lloyds Atm's in harrow theres seems to be a small 0.5mm hole at the very bottom facing downwards. The hole is covered with a plastic clear or glass cover, where you enter the pin, I always cover my pin but ive noticed these holes that have

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