Some toerag's cloned my cashpoint card and made off with (at least) ?800! That's my account right hard up against it's overdraft limit.
The trouble now is:
(a) smile's fraud department are going to take 7 days to figure out what's happened
(b) the new card is 5 days away
(c) I don't trust any of the cashpoint withdrawals made on my account any time in July.
(d) I've got no bloody money!
This is a pain in the arse. So far the bank has been very good about it. The very practical problems are that I've lost trust in my account (a bit), and I've got no money.
The slightly more worrying thing was that having spent ages on hold, I had to get put through to the Fraud and Loss department, which "is a very busy department" (said the agent I spoke to). I'll be interested to see how this goes.
Given they've made off with about 800 quid, this has got to be pretty good returns for whom ever is doing it. I mean, if they did this with 10 or 20 cards across London, they could easily be netting 10K a month. Not bad at all. Of course those ever-so-high-quality cameras that take pictures of you as you make the withdrawals will be extremely useful... NOT!