Too much money taken from bank account?

[alexl92]

Hi all, need help with a problem. Apologies if it's not the right section of the forum; wasn't sure exactly where to put it.

SWMBO lost her bank card the other day, either in Huddersfield or travelling back to Leeds on the train. It's a standard debit card without the contactless payment capability so to use it someone would have had to have her pin, or know her security details to pay online.

Anyway, yesterday, Northern Rail collected £18.20 from her account. Even allowing for it taking a few days for the payment to be processed and show up, this is odd as she's not made any journeys that cost that much - she usually only ever uses the train to travel between Leeds, Huddersfield and occasionally Cottingley. She's completely baffled as to how this happened.

So my questions are as follows:
1. What journey would cost £18.20 (probably return) from Leeds?

2. Is it possible that Northern have collected multiple payments from the same card all in one go rather than as individual transactions?

3. If a payment is marked 'Northern Rail' on the bank statement, is there any way of finding out exactly where the payment was made? Ie, which location and whether it was a TVM or ticket office?

The card was stopped either yesterday or today, I can't remember, so there shouldn't be further problems but we'd quite like to get to the bottom of this one.

Cheers in advance for any help!

 

[cool110]

For tickets bought on line the full line on the statement will be "NORTHERN RAIL , WEBSALES , MANCHESTER GB", for ticket offices and TVMs it can vary but the two ticket offices I've used recently (Buckshaw Parkway and Chorley) have just been the station name without mentioning Northern at all.
If someone did get hold of the card they may have been able to use it on board as Northern never really got around to upgrading their machines so cards are still processed as swipe and sign instead of chip and PIN.

 

[Hadders]

You need to take this up with your bank.

there are well established procedures for dealing with this type of issue, and will be able to identify exactly where and when the transaction took place.

 

[30907]

2. Is it possible that Northern have collected multiple payments from the same card all in one go rather than as individual transactions?

Multiple tickets on one transaction is certainly possible.

Never had separate transactions rolled together on a statement from any retailer, though, so unlikely.

 

[Flamingo]

It might be possible that somebody found the card and used it to purchase an onboard "swiped" transaction...

 

[maniacmartin]

Dispute the charge with the bank and let them trace the transaction.

 

[Sacro]

It's a standard debit card without the contactless payment capability so to use it someone would have had to have her pin, or know her security details to pay online.

That's not exactly true, not all websites require anything more than the details on the card, and a Verified by Visa password can be reset just by finding out the cardholder's date of birth (which isn't a massive task with social media!)

 

[swj99]

standard debit card without the contactless payment capability so to use it someone would have had to have her pin, or know her security details to pay online.

Anyway, yesterday, Northern Rail collected £18.20 from her account.

Assuming she hasn't given the PIN to anyone, and didn't authorise the transaction, it's the bank which has been wrongly changed, not her. She would be entitled to instruct (not ask) the bank to credit her account with the money, and it would be up to the bank to attempt to recover this from whoever it was paid to.

 

[PermitToTravel]

For tickets bought on line the full line on the statement will be "NORTHERN RAIL , WEBSALES , MANCHESTER GB", for ticket offices and TVMs it can vary but the two ticket offices I've used recently (Buckshaw Parkway and Chorley) have just been the station name without mentioning Northern at all.

Deansgate still appears in statements as FIRST NORTH WEST DEANSGATE STN

 

[island]

I'm not sure why she feels she needs all that much information. The simple fact of the matter is that the bank will refund the transaction if she reports it, assuming she has not broken the terms and conditions of the account such as by keeping a note of the PIN in or on the card or failing to sign it.

 

[Lddex]

I had a similar thing with Vodafone where I had a payment go out that I did not recognise. Phoned my bank and they said that companies have something silly like 35 days to claim the payment from you account. So it might be worth looking back over the last couple of weeks at your tickets.

 

[Islineclear3_1]

I'm not sure why she feels she needs all that much information. The simple fact of the matter is that the bank will refund the transaction if she reports it, assuming she has not broken the terms and conditions of the account such as by keeping a note of the PIN in or on the card or failing to sign it.

Exactly, provided she reported the lost card to her bank at the earliest opportunity, it is the bank's duty to refund the money without any costs/fees etc.