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Nope you just looked into the current TOS not the TOS when it happened.
Two points on this
a) This is why I don’t like those changing T&C/TOS being applied by default.
b) Basically – no I didn’t cancel.. I was told to go to the nearest Branch (Jersey) so the rest is just what you are basing it on the TOS/T&C today…I can’t show you the TOS at the time because they are gone and as I never used the “emergency cash” service (I didn’t ask for) I can’t say how it worked as a consumer at the time either.
a) Do you know it changed or are you guessing? What was the original arrangement? It's being touted now as "hey, lost your card? Here's a way to get some cash until you get sorted." Was it launched as something else?
b) You might not have, but it looks like someone else did?
But that only happened because you have contactless…
True. Otherwise it might have been days or weeks before I realised it'd gone. Days that I could've used to have it replaced. I could be standing in a French train station trying to buy plane tickets before I'd discovered the loss.
this was a BIG SCAM that I understand affected tens of thousands .. from memory I got taken for best part of £1000
I can only take your word on that, it's the first I've heard of it.
I have to wonder though, "how?" It just doesn't add up the way you're describing it. There's a hard limit of how much cash you can draw in a single ATM transaction and over 24 hours using a legitimate card, let alone some sort of emergency measures arrangement. This is what it (now) says on Nat West's website:
"Please note: the Emergency Cash service can only be provided at the time of card cancellation and is not available if you cancel your card online.
You could access up to £300 if you're a telephone banking or Online Banking customer and if you aren't we'll still let you withdraw up to £60 to tide you over. Remember you'll need to have the money available in your account before you can withdraw it.
All you have to do is answer a few quick security questions. We'll then give you a code that will allow you to withdraw your money.
To report your debit card lost or stolen and use the Emergency Cash service, please call our card loss centre straight away."
So you can get £60 as a one-shot deal at the single point in time you (someone) reports a stolen card. Where are your "thousands" coming from?
I do not believe that what you think happened, happened. Something else is at play here.
For you these are unrelated because your account is already “open”.
You misunderstand I think. I used to get them from (say) the TSB. I have never in my life had a TSB bank account. They just make it up.
I’m happy to type 4 numbers
"Hi, I'm calling in regards to your card ending in 1234... "
What I’m not happy with is contactless or other services I don’t ask for being put onto my account and then told I have to subscribe to ANOTHER service (App) I don’t want to remove (if it even can be removed).
It may be possible for them to them to reissue a non-contactless card, rather than you fannying about trying to disable something. But now we're back to your OP. There are almost certainly "basic" bank accounts which are aimed primarily at youths / low income / people who don't trust themselves etc.
Cougar
a) Do you know it changed or are you guessing? What was the original arrangement? It’s being touted now as “hey, lost your card? Here’s a way to get some cash until you get sorted.” Was it launched as something else?
Yep fairly sure I know it changed as it was originally touted as "you forgot your card but the bank is closed"
If you cast your mind back there were a series of ads
I have to wonder though, “how?” It just doesn’t add up the way you’re describing it. There’s a hard limit of how much cash you can draw in a single ATM transaction and over 24 hours using a legitimate card, let alone some sort of emergency measures arrangement.
Non of it made sense at the time either as from what I remember someone had managed to withdraw more than they could using the card...
Its not that the exact amount matters except in terms of my point being you getting a few quid back without hassle is not necessarily indicative of some big event happens where a bank loses tens of millions
It may be possible for them to them to reissue a non-contactless card
I think most banks don't issue cards without the contactless payment option. They just tell you to not use it. As you have to activate it by inputting the PIN the first time you use contactless anyway, it won't work unless you enable it.