Obtaining A Money Transfer By Deception Charges

[princessbee]

Hi i am being accused of fraud via online banking.
This is my first offence, does anyone know what the charges of this are?
Someone please help, im really scared :'(

[factor-fiction]

Can you give us a bit more information please, princessbee. Roughly how much was involved - a few pounds, a hundred pounds or thousands? Was it your account or did you access someone else's account? Was it against your bank or another individual/ business

[princessbee]

My friend used my account to transfer money in then we fell out its only about £400 but my bank account has been completely closed but im petrified..

[factor-fiction]

Was it money laundering then?

[murraymints]

Transfer in from where ?? Is that the issue ?? You could have withdrawn the cash and given it to your friend...does he or she not have an account ?? Why was yours frozen.. we need more info to advise you..

[Baldric]

So, you're being accused of fraud, Yes
Friends money in your account, But
You say you it's all a mistake, No
doubt it can all be sorted out, But
might take a while.

[factor-fiction]

Took me a bit to work that out Baldric

[Baldric]

Well done that man,

[EDDIE51]

The police will not take any action now on fraud , unless it is for £10,000s or more. They just say it is the banks responcibility.
I had £600 taken from my account but the police would not even give me a crime number or let me report it as theft, they just said it was down to the bank sort out.

[factor-fiction]

I can see, Eddie that the police may not want to investigate a case where there is no clear evidence or the identities are not established (probably too messy because of Data Protection issues) but fraud crimes will I'm sure not just be ignored if the bank lays out all the evidence- if they did ignore them then we'd all have nothing to lose by attempting such fraud.
I think we still need more info here though on what happened

[craft1948]

Mrs Huhne says life inside isn't so bad..............

[EDDIE51]

All I can say is that when I had over £600 removed from my account I think by use of a 'clone' card , the police told me '' Nothing to do with us, report it to your bank''
I have been told by a serving police officer that they will only get involved if it is over £10,000 , he says there is so much they would be doing nothing else.

[princessbee]

My friend had her own account but was using mine to transfer money into, she did this through her online banking, but since we fell out she has accused me of taking the money without her knowing, however this is lies as i have no idea of her online banking details.. She was using my account aswell as her own and being such a good friend i thought i was helping her, however she has also accused another friend of doing the same and her account has also been closed.. we have been into the bank and enquired about what is going on and all we get telt is they have closed our accounts due to beneficial fraud or transfer though deception.. We are both panicing as this is our first offence.. What will happen to us???

[princessbee]

Can someone please help??

[murraymints]

You need some legal advice....go to CAB as first port of call..

[Orderlimit]

Hello princessbee.

Eddie is correct, since the 2006 Fraud Act the banks are responsible for investigation their own frauds and may or may not involve police.

What exactly are they claiming is fraudulent about the transaction/s?

[society]

Your story is sounding so 'fishy'.
Why did you allow a friend to use your account if they had theirs?
Didn't you stop to think why does this friend want to use their account and not yours?
Why didn't you question your friend about the money being transferred to your account and not theirs?
Don't you check your account's activity regularly?

Sounds to me like you are part of this scheme.

[princessbee]

No not apart of this scheme, she couldnt find her own bank card and also couldnt gain access to her flat to find it. She used our accounts so we could withdraw her money ...

[factor-fiction]

Sorry that doesn't make sense to me, princessbee. If she had the money why couldn't she withdraw it from hers.
But I'm not sure what the fraud is you have committed other than perhaps money laundering, although I can see why the bank wouldn't want you to have an account if you allow others to access it

[factor-fiction]

If she lost her bank card I don't see a problem with her transferring £100 a to you and you then withdrawing it and giving it to her. That would have avoided the need to give her access to your account. The bank would never know
Is there more to this story?

[princessbee]

No there is no more, she couldnt gain access to her house after spliting up with her partner.. She stayed at mine for ages, she was using her online banking to transfer her money into my account, we would then walk to cash machine together and i would hand her the cash straight over.. So whenever she got payed which was each week she would transfer her money into my account..