Debit Card But No Bank Account

[Canary42]

These crims claimed for a scratchcard bought with a debit card, but when Camelot contacted them they didn't have a bank account.

A stolen card ? Or a friend's, as in their hastily-contrived response ? You decide !

https://uk.yahoo.com/news/lottery-bosses-probe-criminals-4-million-jackpot-win-over-fears-stolen-debit-card-was-used-to-buy-ticket-101024170.html

[dannyk13]

The only person who can clear this up is the person whose name appears on the debit card.The lottery bosses should withhold payment until that person is traced.

[youngmafbog]

Well it wasn't theirs so should not have been used.

Not exactly the sharpest knives in the drawer are they?

[hc4361]

If the card had won a smaller prize they would have been handed the cash straight away.

[Zacs-Master]

Thick as a brick.

[hereIam]

A pair of career criminals, hope they don't get the money.

[jno]

what dannyk says.

All the same, I wonder if lottery winnings are automatically invalid if you can't prove where the money for the ticket came from?

[ummmm]

Jeez....we all use the same debit card from time to time.

[johnny.5]

I think they should get the money in principle and put into a frozen bank account for these innocent people to claim. It is not up to lottery bosses to uphold the law.
But if a crime has been committed then the cash should be confiscated through the proceeds from crime law . Then the money can be used for a very needy service

[pixie374]

I would have thought that if nobody has legally won the money, then it still belongs to Camelot, so they will want to know.

[Buenchico]

There was a case where a thief used a stolen card to pay for a long-odds bet in a High Street bookmaker's shop. When he tried to collect the (not insubstantial) winnings the cashier told him that it had to be paid to the account related to the card. He protested vociferously and it was at that point that it was noticed that the card bore a woman's name and the police were called.

However the betting firm decided that the bet was still valid and therefore paid the winnings (amounting to several thousand pounds) into the woman's account anyway.

If the card owner in the National Lottery case can be identified, it will be interesting to see whether Camelot decides to
(a) refuse to refund anything ; or
(b) only refund the £10 ticket purchase price ; or
(c) pay the £4m into the card owner's account.

[johnny.5]

if they decide to do a refund then they would have to refund all purchases made on the card and any other stolen card . I do not think they would do this as it is setting a bad precedent and could could open a whole can of worms dating back years from anyone who has had their card stolen or borrowed and bought losing tickets with

[hc4361]

Businesses DO refund payments made with stolen credit cards

[Peter Pedant]

I goggled
who bears the loss in credit card fraud

3 Jun 2014 - Fraud losses are usually shared between card issuers and merchants. The issuer has historically been stuck with about 60% of the loss, with almost all the rest going to the merchant. It's rare the cardholder gets dinged — maybe less than 2% of all charges.

[hc4361]

It can be the death of a small business

[Peter Pedant]

they were going under anyway
we have Jazza ( code name) who sells papers and frequently doesnt have any
but still has people trooping in and out
( drugz obviously )

he wont take small transactions !

the idea of the card is that you get so many that it makes up for the costs. Jazz is clearly branching out