AN Almondbury woman is urging people to take more care of their chequebooks.
Deborah White, 45, says people may be unaware that lost chequebooks can easily be used by fraudsters to draw money from bank accounts - even if they do not have the matching guarantee card.
Mrs White, of Farfield Road, found how easily this could happen when she used her own guarantee card with the chequebook of her 17-year-old son, Scott Butterworth.
She had picked up his HSBC chequebook instead of her own and wrote two cheques at local shops.
She presented her own card - but the cheques were accepted.
Mrs White only realised her mistake when her son noticed money had gone out of his account.
She said she was shocked that her mistake had gone unchecked.
She said: "It was my mistake in the first place but I can't understand how the retailers and the bank have accepted it. I've now had to transfer money from my account to my son's to cover what was taken out.
"He's a student and only works part-time, so he doesn't have lots of money.
"I'm disgusted that this has happened."
Mrs White said she is now more fearful of what could happen if she lost her chequebook.
She said: "Before if I'd had my chequebook stolen I would not worry because they wouldn't have my guarantee card.
"But now this has happened I'm concerned that somebody could go off with a chequebook and a completely different guarantee card and the bank would be cashing cheques."
A spokeswoman for HSBC said it is the retailer's responsibility to check that the cheque and card match up.
"Obviously, we can't police whether the retailer accepts a cheque with one name and a guarantee card in another name."