Last Friday I had a rather unfortunate experience with my bank
card. It stopped working, with conflicting messages from different
points: ATMs said "your bank is unable to process your transaction"
while POS terminals just said "Declined" (just before the checkout
clerk looks at you like you're a bum).
So I ring the bank and they lie to me twice. First they tell me
that their fraud detection system has suggested there might be fraud
on my account. Not unreasonable considering I've been buying lots of
stuff all over the world for our big trip: train tickets in Germany,
cards from Switzerland and Hong Kong, flights and festival tickets in
Denmark, hostels and trains in Spain. Fair enough, that's pretty
unusual activity given my past usage. She then tells me that they
called and left a message: they didn't; lie 1.
Next she goes through some of the transactions. The useless thing
about all this is that for most of the transactions she couldn't tell
me more than the date and the GBP amount. She couldn't even tell me
the currency of the transactions, let alone the merchant putting the
transaction through. I don't know about you, but I don't have an
encyclopedic knowledge of all the transactions I've made recently,
converted into GBP!
Anyway, I get through that and figure it's _probably_ kosher, so
she says she'll unlock my card. This will, of course, happen
immediately. Lie 2 comes in and my card still doesn't work. Another
call later in the day and, whaddaya know, it's not unlocked.
spotted me some cash for the gig we were going to. Thanks mate.
Now the interesting part: it seems that Shittybank's
ATM network has been cracked. At least my situation wasn't as bad
as this poor
guy visiting Toronto.