You know you’re in trouble when your bank phones you (rather than vice versa).No good can ever come from getting a call at 8:30 on a Saturday morning. Sure enough, when I called them back at 10:00 (it was a Saturday and I don’t ‘do’ mornings) my bank, First Direct, asked me if I’d ever been to Athens.
‘Arse’ I thought. 'I’ve been done'.
Some cheeky scamp had managed to get my card number and my PIN. Don’t ask me how - if I knew that I’d be erm, working for a fraud prevention company (honest!). It was only the fact I’d been shopping for a housewarming present that had alerted my bank that I was still in London town. I felt a sinking feeling in my stomach as I was informed that two withdrawals had been made, and I was now £600 out of pocket. Several silent expletives later I asked if I was insured against this sort of thing, and to my great relief I was.
Having never suffered this blight of the modern age before I was relieved to find that First Direct were seriously on their game, not just for themselves, but for their customers too. I was asked to cut up the card immediately, the card was blocked, and best of all – I wouldn’t be charged any overdraft fees for the £600 hole in my account.
A few days later I was sent an investigation form, which was very straightforward. I returned it with the recently cut up card and crossed my fingers. Sure enough, First Direct established I hadn’t been in Athens and gave me the money back. I now have a new card, a new PIN and still have the belief that First Direct are the finest bank in the UK. If you don’t believe me just phone them – the quality of their call centre staff is a lesson to all.



