Dicko Posted 17 June, 2009 Share Posted 17 June, 2009 First time it's ever happened to me I've had £800 swiped from my account today...........bastards How easy or quickly do the banks return money, when fraud has taken place?? :evil::evil::evil: Link to comment Share on other sites More sharing options...
Mole Posted 17 June, 2009 Share Posted 17 June, 2009 I once went to the cashpoint only for the screen to be already saying "do you require another service". Needless to say i did the right thing. Link to comment Share on other sites More sharing options...
badgerx16 Posted 17 June, 2009 Share Posted 17 June, 2009 Not sure about banks, but Barclaycard are really good about this; A couple of years ago I got my statement and saw several transactions around Preston for fuel at ASDA pay-at-pump stations, so I rang them up and said it was not me. They asked if somebody else had borrowed my card, to which I pointed out that on the two days in question I was in Helsinki, Finland, using the self same card to pay a hotel bill and purchase duty free at the airport. All the money was credited back once I had sent them a copy of the statement with the dodgy transactions highlighted. Link to comment Share on other sites More sharing options...
chrisobee Posted 17 June, 2009 Share Posted 17 June, 2009 I make a point of leaving as little as possible in my current acount and the rest in an online savings account which I can transfer immediately into my current account when I need it. It's clearly not foolproof as there is always a time lag between transferring the money and using it but it's generally just a matter of a few hours. I did have my credit card used illegally a few years back, one reason for my caution now, though I did have it refunded but it took a few weeks I recall. I would say if you have a decent back then they ought to offer you an interest free overdraft if you need it until the funds are returned. Then again dealing with banks never seems to be that easy does it. Link to comment Share on other sites More sharing options...
saint_stevo Posted 17 June, 2009 Share Posted 17 June, 2009 I once went to the cashpoint only for the screen to be already saying "do you require another service". Needless to say i did the right thing. put your c0k in it and fed a tenner in? Link to comment Share on other sites More sharing options...
sotonswan Posted 17 June, 2009 Share Posted 17 June, 2009 If you are with Abbey expect to be ignored. Absolutely dreadful service. Happened twice to me with them. On both occassions the disclaimer they ask you to sign and send back arrived AFTER the seven day time limit they set. Complaints procedure both times. 8 months 1st time (for £250) and 4 weeks second time for £6K. I'd like to say I have moved on, but it seems just about impossible to actually close an Abbey current account. :/ Now with another bank which has a far better record for customer service in a tight spot. Normally you'd hope for no more than 4 weeks btw. Link to comment Share on other sites More sharing options...
Saint In Exile Posted 17 June, 2009 Share Posted 17 June, 2009 First time it's ever happened to me I've had £800 swiped from my account today...........bastards How easy or quickly do the banks return money, when fraud has taken place?? :evil::evil::evil: I would guess it very much depends on your bank... So far, in 3 weeks, we've had £3.5k worth of fraudulent cheques hit our current account. Reported it to the bank and we've worked out that we've never received the cheque book that's being used. Now we've informed them they reverse the cheques straight away, but we're still £1500 down for the cheques paid before we informed them and various charges, including them reviewing whether to pay one of the cheques or not, and we won't get that back until their fraud department has investigated!!! Link to comment Share on other sites More sharing options...
Redbul Posted 17 June, 2009 Share Posted 17 June, 2009 Similar thing happened to my missus, her card was cloned in one of the eateries in West Quay. First I knew about it was when the spouse 'phoned me up and accused me of opening up an online casino account on a site in Israel. Anyway, I convinced her I hadn't (honestly, I hadn't....). Told the bank (Nationwide) and they paid it back straight away and also told us that someone was in the process of taking another £1500. We even told the bank in which establishment the cloning had taken place if they wanted to inform the police, but no one seemed in the least bit interested in prosecuting this in any way shape or form. That's up to them I suppose, I was more interested in getting our wedge back in our account. Link to comment Share on other sites More sharing options...
Dicko Posted 17 June, 2009 Author Share Posted 17 June, 2009 Similar thing happened to my missus, her card was cloned in one of the eateries in West Quay. First I knew about it was when the spouse 'phoned me up and accused me of opening up an online casino account on a site in Israel. Anyway, I convinced her I hadn't (honestly, I hadn't....). Told the bank (Nationwide) and they paid it back straight away and also told us that someone was in the process of taking another £1500. We even told the bank in which establishment the cloning had taken place if they wanted to inform the police, but no one seemed in the least bit interested in prosecuting this in any way shape or form. That's up to them I suppose, I was more interested in getting our wedge back in our account. That's quite interesting mate All the bank can tell me is the money is going to a gaming company in Luxembourg Hopefully, I'll get my money back & find out where the tossers accessed my details Link to comment Share on other sites More sharing options...
Kaiser Soze Posted 17 June, 2009 Share Posted 17 June, 2009 I hate banks and had a MASSIVE run in with them today. I needed to send some bank statements to my brief. I asked for these 3 weeks ago and they were produced on the spot in seconds, unfortunately the post was lost so I had to re-request the docs. Asked for the statements again today and the lazy b1tch behind the counter refused to do it, saying it was an impossible task to produce them on demand and it would take 3-5 working days. I hit the f//king roof and explained she was just stupid and lazy, I demanded to speak to her manager and again lost it with her when she refused to help. Rightly or wrongly I went mental and caused a right scene, the branch manager got involved took me into his office and said if I ever use foul lanaguage like that at his staff again he would close my account....I told him to f//k off and threw his business card back at him before him storming out, went down the road to the other branch and they sorted it within seconds. Am now expected a letter through the door saying my account is closed, but f//k the c//ts they are w//kers of the highest order. Oh I bank with Lloyds by the way, stay well clear. Link to comment Share on other sites More sharing options...
Hatch Posted 17 June, 2009 Share Posted 17 June, 2009 First time it's ever happened to me I've had £800 swiped from my account today...........bastards How easy or quickly do the banks return money, when fraud has taken place?? :evil::evil::evil: Happened to me twice. Nat West account first for about £400. I got a crime number, gave it to the bank and had my money back in about 4 days. Second time, with RBoS, they actually called me to tell me my card had been used fraudently, for about £800. One conversation, Them 'was it you'....me 'no'..them 'OK, we have refunded your account' Link to comment Share on other sites More sharing options...
Atticus Finch of Maycomb Posted 17 June, 2009 Share Posted 17 June, 2009 it happened to a friend of mine. he was a bit dopey someone cloned his card and paid for their travel to work in central london every day for about 8 months. got a refund when the bank spotted it he was blissfully unaware Link to comment Share on other sites More sharing options...
St Chalet Posted 17 June, 2009 Share Posted 17 June, 2009 If you are with Abbey expect to be ignored. Absolutely dreadful service. Happened twice to me with them. On both occassions the disclaimer they ask you to sign and send back arrived AFTER the seven day time limit they set. Complaints procedure both times. 8 months 1st time (for £250) and 4 weeks second time for £6K. I'd like to say I have moved on, but it seems just about impossible to actually close an Abbey current account. :/ Now with another bank which has a far better record for customer service in a tight spot. Normally you'd hope for no more than 4 weeks btw. Leave it open with a quid in it, it will cost them more money to administer it each year. Link to comment Share on other sites More sharing options...
chrisobee Posted 17 June, 2009 Share Posted 17 June, 2009 Slightly off topic but still on the subject of Banks the Natwest in Shirley gave my personal details to my Dad( including a copy of my bank statement) without any authorisation from myself. It's lucky I live in Watford as I hit the roof when I found out. When I phoned they could not even tell me who it was ! Anyway as it happened to be a male member of staff and they only had one guy working there even they managed to deduce who it was though they never did answer why they could not simply find out by doing an audit trail. They said they would make staff aware that they were not to give out personal details to anyone other than the account holder, my reply was something along the lines that I'd prefer it if they didn't employ idiots who weren't aware of the obvious ! Link to comment Share on other sites More sharing options...
niceandfriendly Posted 17 June, 2009 Share Posted 17 June, 2009 Had a grand taken from one of my cards last year (must have been cloned). Just before I was about to go away travelling too - complete nightmare. Thankfully HSBC were very quick in getting the money back, only took about 5 days. Should be fine mate. Link to comment Share on other sites More sharing options...
Mr Nice Posted 20 June, 2009 Share Posted 20 June, 2009 (edited) Had £500 done a couple of years back which was returned within 48hrs. Details stolen from Southampton city college by a cleaner and used at travis perkins. It was done over the phone and not with the right security numbers. SO TP where liable for the £500 back to the bank. HSBC have now dumped maestro/switch and use 'visa debit' that they claim has better security. Edited 20 June, 2009 by Mr Nice Link to comment Share on other sites More sharing options...
EastleighSoulBoy Posted 20 June, 2009 Share Posted 20 June, 2009 Nationwide issued new cards to us within 3 days (quoted 7) and returned the £600 within a week (quoted 10 days). Can't complain at all. (Well, not in this instance!) Link to comment Share on other sites More sharing options...
bridge too far Posted 20 June, 2009 Share Posted 20 June, 2009 We've got John Lewis cards and, a few months ago, they phoned us to tell us that someone was 'testing the water' by using our account for small purchases, the idea being that if the small purchases went through the fraudsters would then try large purchases. It was a nuisance having to wait for new cards but in the scheme of things the wait was better than being 'done'. Link to comment Share on other sites More sharing options...
Dicko Posted 20 June, 2009 Author Share Posted 20 June, 2009 I was rather annoyed with the Halifax & the Police They clearly get hundreds of fraud cases a day, but only mine is important to me! The Halifax told me they had highlighted the two transactions, and will send me a new card, a letter confirming fraud, and hopefully return the money as soon as the investigation was completed They told me where the two sets of money had gone & for how much, but when I phoned back later at 4pm, they weren't expecting to do anything for 3 days! One of the companies was Marshall Ward, so I thought fook this - I'll do something myself. I phoned Marshall Ward & eventually customer services gave me their fraud team number. I spoke to a cracking bloke there, gave him my card details & asked him if he could confirm that it was used yesterday. He did confirm it, told me how much for , and said it was being sent to an address in London He then agreed to cancel the order, send the money back to the Halifax, and contact both the Police & Halifax fraud team with the criminals names & addresses Do things yourself I say!! Link to comment Share on other sites More sharing options...
saintwarwick Posted 20 June, 2009 Share Posted 20 June, 2009 Was with the TSB in the nineties and £400 was swiped from my account from petrol stations (pay at pump) and phone boxes which takes card payments (there were lots of calls to India). All the transactions were done in Birmingham, Leeds, Sheffield and Manchester areas. I had to fill in a statement for each transaction carried out to show where I was at the time (I lived in London at the time). I eventually got my money back after several weeks. Also last year my wife was caught up in internet fraud. She used to run a catalogue account and someone hacked into her account and ordered goods up to the limit (almost £3000.00), We picked this up when we received confirmation of 'our order' which was several mobile phones and games consoles. Fortunately we picked this up on the day of order and it gave the delivery address which was different from our home address. We phoned the catalogue company to cancel this order and to let them know we did not order these goods. After several phone calls from security authorities the goods were never despatched but we don't know if they caught the hackers. We were put on a database for protection purposes which meant any credit whatsoever that was required went through stringent checks far tighter than is normal. Link to comment Share on other sites More sharing options...
lee_saint Posted 20 June, 2009 Share Posted 20 June, 2009 I see above that someone said Abbey were a problem. When my sisters card got done, they rang her up to say that £1000 was spent in one day on various products. Link to comment Share on other sites More sharing options...
Mr Tickle Posted 20 June, 2009 Share Posted 20 June, 2009 Not quite the same thing as card fraud but I had a weird one this evening!? Phone rang about 5:45ish and the caller disaply indicated an International call. The Mrs answered the phone and handed it over to me with some guy asking if I had received the local free paper this week, to which he confirmed my address. When I said yes he very quickly said goodbye and hung up! It was a bit weird as I am sure the local free paper would not have my home phone number! Anyone have any ideas on this one? :confused: Link to comment Share on other sites More sharing options...
Um Bongo Posted 20 June, 2009 Share Posted 20 June, 2009 Not quite the same thing as card fraud but I had a weird one this evening!? Phone rang about 5:45ish and the caller disaply indicated an International call. The Mrs answered the phone and handed it over to me with some guy asking if I had received the local free paper this week, to which he confirmed my address. When I said yes he very quickly said goodbye and hung up! It was a bit weird as I am sure the local free paper would not have my home phone number! Anyone have any ideas on this one? :confused: Yup. It's the supplier checking to see if the paper has been delievered. Most people just go out and dump them in the woods, so they ring people in the area to see if it has been delievered. Link to comment Share on other sites More sharing options...
lee_saint Posted 20 June, 2009 Share Posted 20 June, 2009 Not quite the same thing as card fraud but I had a weird one this evening!? Phone rang about 5:45ish and the caller disaply indicated an International call. The Mrs answered the phone and handed it over to me with some guy asking if I had received the local free paper this week, to which he confirmed my address. When I said yes he very quickly said goodbye and hung up! It was a bit weird as I am sure the local free paper would not have my home phone number! Anyone have any ideas on this one? :confused: Sounds dodgey that. Link to comment Share on other sites More sharing options...
chrisobee Posted 20 June, 2009 Share Posted 20 June, 2009 Not quite the same thing as card fraud but I had a weird one this evening!? Phone rang about 5:45ish and the caller disaply indicated an International call. The Mrs answered the phone and handed it over to me with some guy asking if I had received the local free paper this week, to which he confirmed my address. When I said yes he very quickly said goodbye and hung up! It was a bit weird as I am sure the local free paper would not have my home phone number! Anyone have any ideas on this one? :confused: Maybe your local free paper are trying to save costs by having all their staff based abroad Seriously though that is weird but thanks as I know this is going to bug me all night Link to comment Share on other sites More sharing options...
Wiltshire Saint Posted 20 June, 2009 Share Posted 20 June, 2009 I hate banks and had a MASSIVE run in with them today. I needed to send some bank statements to my brief. I asked for these 3 weeks ago and they were produced on the spot in seconds, unfortunately the post was lost so I had to re-request the docs. Asked for the statements again today and the lazy b1tch behind the counter refused to do it, saying it was an impossible task to produce them on demand and it would take 3-5 working days. I hit the f//king roof and explained she was just stupid and lazy, I demanded to speak to her manager and again lost it with her when she refused to help. Rightly or wrongly I went mental and caused a right scene, the branch manager got involved took me into his office and said if I ever use foul lanaguage like that at his staff again he would close my account....I told him to f//k off and threw his business card back at him before him storming out, went down the road to the other branch and they sorted it within seconds. Am now expected a letter through the door saying my account is closed, but f//k the c//ts they are w//kers of the highest order. Oh I bank with Lloyds by the way, stay well clear. What a surprise. You have never displayed any thuggish tendencies before. Link to comment Share on other sites More sharing options...
Kaiser Soze Posted 21 June, 2009 Share Posted 21 June, 2009 What a surprise. You have never displayed any thuggish tendencies before. Do I know you???? Link to comment Share on other sites More sharing options...
ecuk268 Posted 21 June, 2009 Share Posted 21 June, 2009 I bought 3 high-value items from different retailers over the internet on one afternoon and paid by Abbey debit card. The payments were blocked. When I phoned Abbey, the said that they blocked them because they were different from my normal spending pattern and it could have been someone using my card fraudulently. I confirmed that they were genuine and all was OK. At least they're looking out for dodgy payments. Link to comment Share on other sites More sharing options...
tpbury Posted 22 June, 2009 Share Posted 22 June, 2009 Interesting to hear these stories. I go up and down the motorway between Manc and London and stop often at Banbury and Bicester Tescos. I've left my card there on two occasions (by acccident or was I being deliberately distracted? The first time I was told that it was in a safe). On both occassions it's been used for top-ups or other 'non tangible' services. The bank refunded without question, Police completely mystified when I asked if they caught the thief. No one seems to give a damn, they all seem to accept it as normal. I haven't asked Tesco, but I'm tempted to leave the card again to see what happens. Link to comment Share on other sites More sharing options...
nick1579 Posted 22 June, 2009 Share Posted 22 June, 2009 In my opinion fraudsters are the lowest of the low (well, just behind rapists and murderers anyway). Link to comment Share on other sites More sharing options...
Jillyanne Posted 22 June, 2009 Share Posted 22 June, 2009 In my opinion fraudsters are the lowest of the low (well, just behind rapists and murderers anyway). What about Pompey fans? Link to comment Share on other sites More sharing options...
nick1579 Posted 22 June, 2009 Share Posted 22 June, 2009 They are just misguided Link to comment Share on other sites More sharing options...
Crab Lungs Posted 22 June, 2009 Share Posted 22 June, 2009 If you've got the money for the initial deposit, go with Deutsche http://www.db.com/index_e.htm Link to comment Share on other sites More sharing options...
Dicko Posted 24 June, 2009 Author Share Posted 24 June, 2009 Just to finish this story, the Halifax have issued me with a new card & the £800 is being refunded today 1 week to sort out - I'm impressed Link to comment Share on other sites More sharing options...
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