Victim of Identity Fraud what next?

[MsAngel2012]

I've recently have been a victim of identity fraud and I reported it to my bank someone used my lost card to apply for loans, phone contracts in my name which I have cancelled and disputing

I've reported it to the police and credit agencies they withdrew money at ATMs and have also they gone into phone stores using my card to buy phones. I was told that someone would be in contact with me and a week later no contact was made. I had to phone several times to find out what was going on and I was told various things that they were looking to closing account which wasn't true.

I keep on being persistent with phoning the bank I asked for dispute form several times which i never received. I went into the bank today to check my account and the personal banker printed out a letter stating that my disputed transactions had been refused and they were not going to refund it..

I'm pretty angry she said I can appeal against the decision they have been very unhelpful no has even bothered to contact me. I'm not sure what to do I want I cant afford to repay it wasnt me who did it.

[sandyRoe]

When you lost the card did you lose the pin too?

[smurfchops]

Put in a formal complaint to your bank. Had this problem myself with Santander, but they did repay me what this person had stolen.

[sandyRoe]

These people may be able to help.

http://www.financial-ombudsman.org.uk/

[dotty.]

so someone you know took your card and they knew your pin too, but did they also steal other documents. the bank maybe think that you have been careless with your personal security

[factor-fiction]

Claims from students are usually looked at carefully as it is not unknown for students living away from home to give a card to a friend who spends money elsewhere and then claim the card has been stolen.
I'm not saying that's happened here of course. Keep on at the bank and press the police to keep on ivestigating

[EDDIE51]

Your problem is going to be that the person who stole your card must have also known your PIN. Did you report the card lost to your bank as so you knew it was missing ? all transactions on that card should have been stopped immediately and the card cancelled.
I have had this happen to me but as soon as I phoned the bank the card was instantly cancelled , the bank refunded all the fraudulent transactions within a week. The police were not intrested and said it was ''The banks problem''
I can not see why the bank did not instantly cancel the card as soon as you phoned them but allowed transactions to continue, are you telling us the entire story , because it just does not seem to reflect what normally happens in these circumstances.

[EDDIE51]

A bank can refuse to repay fraudulent transactions if they think you have not taken sufficient care to guard your PIN , did you leave the PIN with the card? if so that is why the bank is refusing to pay.

[Mortartube]

A PIN number is not hard to obtain. It wasn't that long ago that a consumer affairs programme, highlighted how a wireless card terminal (as used in many shops and restaurants), can be easily modified so that it wirelessly transmits the PIN to another receiving terminal, in another room or even next door. The card is the instantly cloned. Banks don't like to admit chip and pin isn't totally secure, as it is their only defence against paying out to say that it is. If the bank really did delay and didn't contact you. They only have themselves to blame and should py out.

[boxtops]

This isn't my experience, cards were stolen in Spain a couple of years ago and I rang the banks immediately, the cards were stopped straight away. When another card was cloned and used fraudulently someone, the transactions were refunded without question. Sounds as if they got your PIN too, did you keep it with the cards?

[EDDIE51]

Boxtops , my point entirely, as soon as you phone the bank they cancel the card instantly. I can't understand why the questioner had to report it to the police and credit agencies and that a week later no contact had been made (presumably by the bank) we need MsAngel to come back with more information.

[factor-fiction]

I think Methyl is on to something here. There seems to be more to this than just the loss of a card- there seems to be a wider issue of identity theft. I don't see how the loss of a card on its own could lead to this.

[EDDIE51]

We need more information, F30. The questioner says she has been persistant in phoning the bank but has still not had dispute forms sent, surely she is confirming her address is correct ? Also says she has to keep contacting the bank as they don't contact her .

[factor-fiction]

Keep us updated please Angel

[joko]

they have cctv on cashpoints - they can see who used the card on every transaction listed ... maybe the person they saw looks just like you...