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The Lloyds' Incident 2 Final Chapter
Today the 12th June is the last chapter of this episode of The Lloyds' Incident. Few days ago, it was last Monday, I received a text message from Lloyds Bank saying
They've started looking into my concerns. Thanking me for bearing with them and they are sorry that this has taken longer than usual and that they will be in touch again shortly.
Then yesterday One lady by the name of Pamela from the complaints department contacted me and after going through all the security checks, told me that they are so sorry that my complaint on the day of the incident, was not handled properly and that instead of registering this as a Fraud, they registered this as an ATM dispute. Therefore, now they have evidence after checking their machine, that the ATM was tampered with and a fraudster eventually got my card and my pin number and went and cashed my money somewhere else not too far from the bank at the nearest Post Office.
She asked me to call the Fraud team giving me a reference number as she assured me that they will make things right with me and cancel the amount that I owed them now as my account was standing at minus (-) 320 pounds.
Today I called the Debit Card Fraud Team and one lady by the name of Alina took the call. At first I felt strange as she did not know why i was calling even though I gave her the reference number. Then she asked me to wait and to hold the line as she was reading the complaint referred to with the reference number I gave her. She also apologized and started telling me about security procedures and measures when using my card and if ever my card gets stuck in the machine again to call the bank and cancel the card right away. She also confirmed with me that there were four main drawbacks or loopholes in the system.
First, the machine or ATM was tampered with and the fraudster did put something in the machine to block my card which should not have happened if the machine was equiped with advance security features or locks to prevent this type of fraud.
Second, is when I called the lady from my mobile banking Apps, and reported what just happened to me while I was waiting at the cash machine. She registered this complaint as an ATM Dispute instead of reporting this as a Fraud.
Third, is that if someone's card gets stuck in the machine or is swallowed by the machine, Next day the bank just destroys the card without keeping any record of it to know whose card was it.
Fourth, is when I reported on which ATM where this incident took place. Instead of checking the same machine, they went and checked another machine where my card was being used by the fraudster and found it to be working fine. So it was another mistake made by the bank.
I told the fraud team that I spent restless nights as I was not working and it was stressful for me as they asked me to pay back this money which I lost. Another thing is that, me and my neighbour, Mrs Anne had to spend hours waiting on the phone to be able to get hold of someone to speak to and to tell them about my complaints and try to find help. And last thing we did is, we were trying to investigate what could have happened going to the police station, to the bank, to the post office to find out about cctv footage, if we could find any. If we could have had them in time, we could have arrested the criminals but it was too late. The bank took too long to respond and the footage was deleted. I have been trying my best to point out these flaws in their system for nearly two months now and I really dont think that I was the first or even the last victim of this type of fraud.
Now when I checked my account, I can see that my balance is not negative (-) anymore and I am so happy about it and I can't stop thanking God for His mercy in these times of tests and trials. Faith in God works miracles.
Although I was very stressed with this situation and I was not working and on lockdown and had no income at all. Many people came on my way and gave me a helping hand in ways that I cannot repay back. I only can thank God for sending these people to me and pray for God to richly bless them.
Firstly, I would like to thank my lovely and kind neighbour Mrs Anne, she has given a lot of her time and money buying things for me and also listening to me, encouring me, writing emails and phoning and going around for me to find help.
Secondly, I would like to thank Mr and Mrs Andreas and Nadia my other neighbour from across the road for helping me out and encouraging me praying for me.
Thirdly, I would like to thank another very nice and lovely mauritian lady, Mrs Sabita whom I call Mami as for mother. She always used to come see me and bring some food for me when I used to work and she used to call me son. She has been a great help to me encouraging me giving me motherly advice and also helped me financially during this hard time that I have been through.
Fourthly, I would like to thank Mr Kevin and His wife Anusha from Mauritius Paradise Corner, a Mauritian Food Shop at the Market place in Woodgreen Shopping Mall. He has also helped me out giving me some little job to do and paying me my hard days work. They have been very kind to me as a family.
Lastly, I would like to thank Destiny, Graham and Phillips for their support in prayers and encouragement.
I wish and pray that God helps you to avoid this type of situation in your life. Wherever you are using any Cash or ATM machine, to please be very careful and to use maximum security measures possible in the future after reading this incident as a warning message.
God bless you all
Iswarlall Balooram
They've started looking into my concerns. Thanking me for bearing with them and they are sorry that this has taken longer than usual and that they will be in touch again shortly.
Then yesterday One lady by the name of Pamela from the complaints department contacted me and after going through all the security checks, told me that they are so sorry that my complaint on the day of the incident, was not handled properly and that instead of registering this as a Fraud, they registered this as an ATM dispute. Therefore, now they have evidence after checking their machine, that the ATM was tampered with and a fraudster eventually got my card and my pin number and went and cashed my money somewhere else not too far from the bank at the nearest Post Office.
She asked me to call the Fraud team giving me a reference number as she assured me that they will make things right with me and cancel the amount that I owed them now as my account was standing at minus (-) 320 pounds.
Today I called the Debit Card Fraud Team and one lady by the name of Alina took the call. At first I felt strange as she did not know why i was calling even though I gave her the reference number. Then she asked me to wait and to hold the line as she was reading the complaint referred to with the reference number I gave her. She also apologized and started telling me about security procedures and measures when using my card and if ever my card gets stuck in the machine again to call the bank and cancel the card right away. She also confirmed with me that there were four main drawbacks or loopholes in the system.
First, the machine or ATM was tampered with and the fraudster did put something in the machine to block my card which should not have happened if the machine was equiped with advance security features or locks to prevent this type of fraud.
Second, is when I called the lady from my mobile banking Apps, and reported what just happened to me while I was waiting at the cash machine. She registered this complaint as an ATM Dispute instead of reporting this as a Fraud.
Third, is that if someone's card gets stuck in the machine or is swallowed by the machine, Next day the bank just destroys the card without keeping any record of it to know whose card was it.
Fourth, is when I reported on which ATM where this incident took place. Instead of checking the same machine, they went and checked another machine where my card was being used by the fraudster and found it to be working fine. So it was another mistake made by the bank.
I told the fraud team that I spent restless nights as I was not working and it was stressful for me as they asked me to pay back this money which I lost. Another thing is that, me and my neighbour, Mrs Anne had to spend hours waiting on the phone to be able to get hold of someone to speak to and to tell them about my complaints and try to find help. And last thing we did is, we were trying to investigate what could have happened going to the police station, to the bank, to the post office to find out about cctv footage, if we could find any. If we could have had them in time, we could have arrested the criminals but it was too late. The bank took too long to respond and the footage was deleted. I have been trying my best to point out these flaws in their system for nearly two months now and I really dont think that I was the first or even the last victim of this type of fraud.
Now when I checked my account, I can see that my balance is not negative (-) anymore and I am so happy about it and I can't stop thanking God for His mercy in these times of tests and trials. Faith in God works miracles.
Although I was very stressed with this situation and I was not working and on lockdown and had no income at all. Many people came on my way and gave me a helping hand in ways that I cannot repay back. I only can thank God for sending these people to me and pray for God to richly bless them.
Firstly, I would like to thank my lovely and kind neighbour Mrs Anne, she has given a lot of her time and money buying things for me and also listening to me, encouring me, writing emails and phoning and going around for me to find help.
Secondly, I would like to thank Mr and Mrs Andreas and Nadia my other neighbour from across the road for helping me out and encouraging me praying for me.
Thirdly, I would like to thank another very nice and lovely mauritian lady, Mrs Sabita whom I call Mami as for mother. She always used to come see me and bring some food for me when I used to work and she used to call me son. She has been a great help to me encouraging me giving me motherly advice and also helped me financially during this hard time that I have been through.
Fourthly, I would like to thank Mr Kevin and His wife Anusha from Mauritius Paradise Corner, a Mauritian Food Shop at the Market place in Woodgreen Shopping Mall. He has also helped me out giving me some little job to do and paying me my hard days work. They have been very kind to me as a family.
Lastly, I would like to thank Destiny, Graham and Phillips for their support in prayers and encouragement.
I wish and pray that God helps you to avoid this type of situation in your life. Wherever you are using any Cash or ATM machine, to please be very careful and to use maximum security measures possible in the future after reading this incident as a warning message.
God bless you all
Iswarlall Balooram
