/ Debit Card Blocked whilst abroad

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mypyrex - on 15 Nov 2012
Before I went to Nepal I wrote to my bank and gave them my travel itinerary. While I was away I tried to draw cash at an ATM but found my card had been blocked. This resulted in me having to make a phone call to get it unblocked.

Now, I have no complaints about the anti fraud measures that are sadly necessary nowadays but since I had taken precautions to minimise this I'm a bit miffed at having had to pay 10 to sort the matter out.

Anyone else had this and tried to claim the cost of the call back from the bank?
MG - on 15 Nov 2012
In reply to mypyrex:
> Before I went to Nepal I wrote to my bank

I suspect this is where you went wrong. Ring them next time.

>
> Anyone else had this and tried to claim the cost of the call back from the bank?

No

Tall Clare - on 15 Nov 2012
In reply to mypyrex:

That's a real pain - I rang my bank to tell them I was going to New Zealand, had no problems whilst out there, but they cancelled my card when I got back, saying there was fraudulent activity on the account. When we went through the transactions, it was just my NZ spending...

Good luck with trying to claim - it does sound like, to quote Monopoly, 'Bank error in your favour - collect 10'.
Trangia - on 15 Nov 2012
In reply to mypyrex:

As you went to the trouble to advise them in advance I agree this is out of order. Give them a ring and complain - you might find they will reimburse you.

Presumably you are back now. Did you have a good trek?
puppythedog on 15 Nov 2012
In reply to mypyrex: MrsTheDog used to work for a bank. I don't know about this specific problem but as a general rule if you have reason for complaint (I'd say you do) and yu complain and make enough fuss you should get your money back or maybe even some compensation.
mypyrex - on 15 Nov 2012
In reply to all: Thanks for encouraging replies. Good trip by the way.
Trangia - on 15 Nov 2012
In reply to mypyrex:
> (In reply to all) Good trip by the way.

Are you going to post a report?
SCrossley on 15 Nov 2012
In reply to mypyrex:
It`s 10, get a life.
PATTISON Bill - on 15 Nov 2012
In reply to mypyrex: HSBC has a facility in online banking that allows you to list all your travel plans and the cards you intend to use.Writing to a bank is waste of time.
owlart - on 15 Nov 2012
In reply to mypyrex: Last time I went abroad I notified my bank, who told me that they don't make notes of your travel plans any more, but they still might block the card if they think it's a suspicious/foreign transaction! Thankfully they didn't, and my card was ok the one time I used it.
rocky57 - on 15 Nov 2012
In reply to sjc:

From your reply it would appear that your life runs a bit diferrently from the rest of us.
Cheese Monkey - on 15 Nov 2012
In reply to mypyrex: Worth complaining, I got 60 out of HSBC after a similar thing
mypyrex - on 15 Nov 2012
In reply to sjc:
> (In reply to mypyrex)
> It`s 10,
and represents a 75% increase in my usual mothly mobile cost.
thin bob on 15 Nov 2012
In reply to mypyrex:
Nationwide building society couriered a new card to me in Australia when the old one got retained somewhere (might even have been at heathrow!). They didn't take much persuading.

Even though it's only 10, the bank need to know they're wrong, so they can improve and you deserve something for the hassle. anything from an apology upwards...

I suspect you might have to jump through a few hoops to get cash, keep repeating the same thing, add in your hassle on a holiday of a lifetime, writing this, the phone callas you made to complain.

or you could complain once & write it off from then.

SCrossley on 15 Nov 2012
In reply to mypyrex:
You have just spent a load on a trip to Nepal but your messing around for 10, just get over it, the negative energy your wasting on this is just no good, for you.
Pick your battles, if it was more, crack on. Also most banks have it in T&C`s that this may happen even if you inform them.
EeeByGum - on 15 Nov 2012
In reply to mypyrex:
> Before I went to Nepal I wrote to my bank and gave them my travel itinerary. While I was away I tried to draw cash at an ATM but found my card had been blocked. This resulted in me having to make a phone call to get it unblocked.

I think you naively thought banks still employ people who can read. The humble letter gets you no where these days unless you are a lawyer, in which case the fact that you charge by the hour means that sending emails and phoning people would put you out of business.
Bimbler - on 15 Nov 2012
In reply to mypyrex:

> Anyone else had this and tried to claim the cost of the call back from the bank?

Yes, it's easy. Give them and ring and they will very likely sort it there and then.

Unless its Alliance and Leicester/Santander

owlart - on 15 Nov 2012
In reply to sjc: If 10 is such a trivially inconsequential amount, perhaps you wouldn't mind posting out a few crisp tenners to us less affluent UKCers? :-)
gethin_allen on 15 Nov 2012
In reply to mypyrex:
Been there, done it.

We were on the peage in france and when we got to the toll gate at the end the card was refused. Fortunately we had another card handy and were able to pay with that because we didn't have enough cash on us.

Our phone call to the bank didn't cost as much as yours so we didn't pursue it.
On the opposite end of the scale, A friend was living in Austria for a few months and at some point in the middle someone used her credit card (A replacement card that had been intercepted in the post) to buy a games consul and games in Manchester city centre. she had a lot of trouble convincing the company that it was fraud.
owlart - on 15 Nov 2012
In reply to gethin_allen: Similar but opposite story for my sister. The bank didn't think twice before authorising a cloned copy of her card being used to virtually empty her account in India while she was living in the UK, but they did block her card for a 'suspicious transaction' when she bought a coffee in Starbucks (or some similar little transaction) in Nottingham where she was living!
Postmanpat on 15 Nov 2012
In reply to mypyrex:
>
>
> Anyone else had this and tried to claim the cost of the call back from the bank?

I've had this. I've also called the bank or to notify them of my travel plans and they have thanked me but said that the card may still be blocked as a security measure. Once it was.
I've also has two attempts to use my cards for large transactions in India, a place to which I have never been. The bank called me to check and the transactions were blocked or cancelled.

Personally I am prepared to accept occasional inconvenience and a 10 quid phone bill if related security measures save me a couple of grand.
peas65 - on 15 Nov 2012
In reply to mypyrex:

No but RBS do this everytime i travel, unless you carry a phone you cant withdraw money as when you do the just block the account. Even if you tell them and ask them not to.

Now i just use a different card abroad, barclays is much better. Just another reason to change banks :)
Nick Harvey - on 15 Nov 2012
In reply to PATTISON Bill: Yet they have been known to ignore it, even if your plans are on there. That said, they seem to think its okay to block my card every other month due to 'fraud'. They then ring me (and 'assure' me they are HSBC) and expect me to tell them my card number over the phone so I can ID myselt to them, rather than the other way round. I hate them.
owlart - on 15 Nov 2012
In reply to Nick Harvey: Not a debit card issue as such, but my brother is paid every month by bank transfer from Germany (his employer's head office). This has happened every month for the last two and a half years. The other month he got a call from the bank to say his account was on hold due to a suspicious foreign transaction - you guessed it, it was his monthly wage going in!
SGD - on 15 Nov 2012
In reply to mypyrex: Same thing happened to us recently in California. We had informed the bank we would be in the USA but the cards were blocked anyway. There was no charge made on the account but the phone call was quite costly and more to the point the embarrassment of having a card refused and the inconvienience of then sorting it out rather than climbing.
ebygomm - on 15 Nov 2012
In reply to owlart:

When I was abroad for an extended period my bank kept trying to call me because of 'suspicious activity' on my account. When I eventually got hold of them the suspicious activity was that there had been no activity at all for three months. Not quite sure that warranted several urgent phone calls.
owlart - on 15 Nov 2012
In reply to ebygomm: My sister currently lives in Canada, but still maintains a UK bank account (Lloyds). Lloyds tried to contact her recently about 'suspicious activity', but the number they gave to call them didn't accept calls from outside the UK! Cue my parents trying to phone the bank and convince them to give out a number which she could call from Canada, but because they weren't the accout holders, the bank didn't want to give out such information!
Neil Williams - on 15 Nov 2012
In reply to MG

Or change your bank. Some now won't accept manual notifications like that and just allow the profiling software to do the job, which is fine for very regular travellers but not those who travel somewhere very "exotic" only occasionally.

Neil
Neil Williams - on 15 Nov 2012
In reply to rocky57:

I would be miffed if I had to spend 10 phoning a bank while at home, but frankly if I am in a position to afford a trip to somewhere like that I can also afford an extra 10. If not the trip is a little risky, no? What if something else happens incurring extra cost that I can't insure against? What if I can insure against it but there is an excess?

I would probably write to try to get it back as a goodwill payment, but that's about all.

Neil
lithos on 15 Nov 2012
In reply to Neil Williams:
> In reply to MG
>
> Or change your bank. Some now won't accept manual notifications like that and just allow the profiling software to do the job, which is fine for very regular travellers but not those who travel somewhere very "exotic" only occasionally.
>


thats what happened to me, i phoned em up, they said they'd write it down but actually ignore it (this was Nationwide) I had a card cancelled in USA and took many calls to sort it.

do you know if any banks have an online facility for me to tell them where im going and when, and use that info sensibly ?


mypyrex - on 15 Nov 2012
In reply to all except sjc: Resolved amicably with a personal visit to bank. Refund of phone cost plus compensation.

In reply to sjc: You are a loud mouthed tiresome little turd.
Neil Williams - on 15 Nov 2012
In reply to lithos:

While I've banked with them the Co-op have always been sensible, I do it via their secure message system rather than a specific travel thing (some have mentioned upthread that HSBC offer that). However I travel internationally very frequently with work (more than 50% of my time many years) so their profile of me has built up to say that card usage anywhere is not unusual. The only time it tends to flag up is if I do a load of high value purchases at once, say 4-5 flights at once but booked individually (easyJet let you put them all on the same booking reference so it doesn't happen often).

The only one I ever had trouble with is a Capital One MasterCard years ago. I did have issues with my debit card in Belgium once but that was years ago when Chip & PIN standards varied. I did get a card eaten in Malaysia once (the machine rebooted itself), which emphasized to me why, so long as your credit history is a good one, it's always a good idea to carry two credit cards in addition to your debit card, you can then "load" one of them (keep a zero balance otherwise) and withdraw straight away, thus avoiding interest for a cash withdrawal, and sort the mess out when you get home other than a quick call to block the card.

Best to carry the second one somewhere other than your wallet (hotel safe is good if you're staying in one, or just hidden in your bag or on your person), as that's then a backup in the event of theft.

Neil
Trangia - on 15 Nov 2012
In reply to mypyrex:
> (In reply to all except sjc) > In reply to sjc: You are a loud mouthed tiresome little turd.

Calm down, that's uncalled for. He's entitled to a point of view even if you don't agree with, without being subjected to abuse.

Glad you got it sorted.
mypyrex - on 15 Nov 2012
In reply to Trangia: "loud mouthed" retracted :)
Neil Williams - on 15 Nov 2012
In reply to mypyrex:

Sounds like good customer service.

Neil
SCrossley on 15 Nov 2012
In reply to mypyrex: x
Martin W on 15 Nov 2012
In reply to peas65:

> RBS do this everytime i travel, unless you carry a phone you cant withdraw money as when you do the just block the account.

Never had this problem with RBS myself. I almost wish they did block foreign transactions unless notified in advance - then I wouldn't have mistakenly used my RBS card at two ATMs in Italy this this summer, rather than my Halifax card which doesn't charge a fee for cash withdrawals within the EU...
andy - on 15 Nov 2012
In reply to Martin W:
> (In reply to peas65)
>
> [...]
>
> my Halifax card which doesn't charge a fee for cash withdrawals within the EU...

Really? Which 'fax account is that? I get charged 1.50 for every cash withdrawal or euro transaction on my hally accounts.
Kipper - on 15 Nov 2012
In reply to lithos:
>
> do you know if any banks have an online facility for me to tell them where im going and when, and use that info sensibly ?

Barclays have the facility.

I can't comment on how sensibly they might use that information. As this thread has shown all banks use their own 'strategies' to determine what may be suspicious activity on an account (primarily to detect fraud and money laundering).
Kimono - on 15 Nov 2012
In reply to mypyrex:
the co-operative bank have always been fantastic in this respect in my experience.
I travel a lot and am constantly calling them to let them know and have only once had a problem...and that was the time i forgot to tell them.

I was in Gran Canaria and my card was rejected. I remembered that i had forgotten to let them know.
Not having a smartphone at the time, i was resolved to having to go into town to find an internet cafe and skype them from there.
As i was walking along the promenade into town, my cellphone rang and, lo and behold, it was the lady from the co-op just checking that i was really in GC so she could unlock my phone.

And furthermore, this was no call centre in Hyderabad, but a lovely scouser with whom i had a nice chat about the relative weather conditions :)
subalpine - on 15 Nov 2012
In reply to mypyrex: give us a trip report for our help- it is the way of dharma..
ThunderCat - on 15 Nov 2012
In reply to mypyrex:

I'm off to New York on Monday. Whoop Whoop...thought I'd better check with Barclaycard that my card would work over there (because it didn't work in Paris a couple of years ago) and they say it'll be fine.

Apparently they used to need peoples itineries, but now they don't care?
dek - on 15 Nov 2012
In reply to subalpine:
> (In reply to mypyrex) give us a trip report for our help- it is the way of dharma..
Good idea!
Be nice to hear how it went, fitness required, cost etc etc!
Sorry to hear about the Mypyrex camera packing up! :-(

subalpine - on 15 Nov 2012
In reply to dek: i asked the old fart for a trip report on his last trip, but nothing came from it;(
dek - on 15 Nov 2012
In reply to subalpine:
> (In reply to dek) i asked the old fart for a trip report on his last trip, but nothing came from it;(

After a trip to the Himalayas....happiness is a 'Dry' fart.
subalpine - on 15 Nov 2012
In reply to dek: i hope to follow in the footsteps of mypyrex one day. has he gone at a good time? can you recommend a place to look for cheap flights?
dek - on 15 Nov 2012
In reply to subalpine:
Me? I've not been yet! I'm getting the itch to go see though. :-)
mypyrex - on 16 Nov 2012
In reply to subalpine:
> (In reply to mypyrex) give us a trip report for our help- it is the way of dharma..
working on it.
PATTISON Bill - on 16 Nov 2012
In reply to Nick Harvey: Sorry about your problem ,Im abroad 3 months or so each year and only had a problem when an ATM in Tenerife ate my card.HSBC sent me a replacement to a secure address I provided,no problems.Them asking you to quote your card no over the phone sounds very dodgy I dont think banks do that ,they already have your number

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