Bank Account Fraud

[cassaria]

HI, I've recently had a phone call from my bank saying that i had been the victim of fraud. Apparantly someone managed to intercept some of my banking details (enough to make withdrawals and purchases some how), When I spoke to my Bank they said that I have to claim back the money that was taken from the places that it was spent at. And that they will try to refund the cash that was taken!
has anyone else had a similar experience to this? Did you get all of your money back? and did you have to claim it back from the place where the person who stole your money spent it?

Thanks

[bednobs]

how strange - when i noticed a purchase i hadn't made on my bank statement, my bank immediately refunded while they investigated. At the end of about 6 weeks they wrote to me saying the retailer had not been able to provide proof that my 3 digit security coge had been asked for (it was an internet purchase) so therefore, they had recovered the money from them

[CheekyChops]

Your bank are talking rubbish - if you have been a victom of fraud (and you haven't left your card/PIN lying around or anything) then you shouldn't have to claim the money back from anywhere other than your Bank.

To get cash out and also make purchases in shops, I assume that a card was used along with a PIN. Has yours gone missing / been stolen or could it have been cloned?

[Nosha123]

Your bank are either lying or not very well informed. They have to refund the cost and if you can prove it wasnt you doing the spending even better. Were you using the card elsewhere at the time? Proof you had bought something somewhere else or were in a different town.
You should get the money back if you can prove its not you - but it could take a week or two.

[bednobs]

are you sure it was your bank that called you? - they didn't ask you to give any details (like card number) did they?

[redcrx]

did you call the bank to check it was actually them that called you?

It could have been someone trying to use your account and get details from you

[redcrx]

lol snap, bednobs

[cassaria]

Im pretty sure it was my bank, i didnt give them any details on the phone. as for the card, it wasnt stolen, so i can only assume that either it was cloned or they got my details some other way. the transactions were online ones from what i am aware.

[bednobs]

great minds and all that ....

[LoftyLottie]

It's very unusual for banks to phone you. Mine sent a letter to me when my card details had been intercepted. I agree with all the others, a bank doesn't ask you to claim back the money. My immediate reaction was the same as Bedknobs and Red's. It sounds suspicious!

[redcrx]

Id call the bank to make sure anyway, and also to get it confirmed in writing what they are expecting you to do to get refunds.

[redcrx]

hopefully this addition shouldnt be needed but

dont call the bank on any numbers they gave you in earlier call :)

[cassaria]

Humm, I think I am defintley going to give the bank a call to have "words". I think i might take out card protection as well from now on. Do any of you have it?

[CheekyChops]

You shouldn't need card protection, if you genuinely are a victim of fraud then the Bank will refund you anyway whether you pay extra for protection or not.

[terrywogan]

Someone used my card details to take three lots of �200 from my bank account. It was done over the internet and the card was still in my possession. The bank put my account on hold (although it was empty) and left me with no cash at all for three weeks while they investigated. In the meantime, the usual bills were paid out by my bank, which left me overdrawn. The bank then charged me for being overdrawn - which put me further overdrawn because there was no money in the account....! I am a pensioner and the thief managed to take the money the day after my pension was paid in, so there was no money in my account for four weeks. Fortunately, a friend (who happens to have an account with the same bank AND definitely has a gift of the gab!) started phoning all the numbers he could and basically browbeat them into putting the money that was stolen back into my account and reimbursing me with the money taken for being overdrawn. I received no explanation or apology for the complete c@ck-up they made of the handling of this incident.

[m1a1l1]

My card was cloned and my account emptied somewhere in London, I live in the West Country so knew it wasnt me. Nationwide refunded the full amount, and now I ony remove cash from their premises.

[discover]

Our bank card was obviously cloned and the first we knew of it was when we checked our statement! The bank was very good and checked our account and eventually we received the lost money back into our account. However, we did not pay for the bets as we had not placed them! The bank then charged us interest on the money not paid, which we thought was an insult, seeing as they already knew about the fraud.
After some time the money was reimbursed and we were sent a new credit card. it always pays to keep a check on your bank statements and it is wise to check the transactions regularly, especially if you have Internet access to your bank accounts.

[oldhenry]

I check my bank online every day. The bank do ring me, trying to sell me investments that are useless, and I tell them so. They see that I have a thoughput of substantial sums and want a bit of the action.
So spread your money about , ten or so accounts. No one will surely break all my passwords? I hope not .
But fraud is there and it is the Banks's responsibility, unless you are negligent with your passwords, pins.

[andreaarty]

Hi, I noticed recently �20.00 had been taken from my account from: Harrington Draycott & Award World they sent me an e mail later to inform me I had won a gold watch. I replied to the mail asking how they got my details and �20.00 from my account I have not heard anything back. Any ideas anyone?