News1 min ago
Bank Refusing Scammed Monies.
My bank is refusing to refund scammed monies from my account stating that they refunded previous instances of claims I made. I cannot prove I was not negligent with my card or card details but they are refusing to refund latest scammed amount of around £70 which is a huge amount to a pensioner. Any help more than gratefully received, I feel I'm being penalised for something I didn't do.
Answers
No best answer has yet been selected by carolminniemouse. Once a best answer has been selected, it will be shown here.
For more on marking an answer as the "Best Answer", please visit our FAQ.Could the bank reject my claim?
Yes – but only if you were "grossly negligent" in making the payment.
Banks can only reject claims if they can show that you acted with a "significant degree of carelessness". According to the regulator, this is a "very high bar" and should only affect a "small minority of cases".
Surely the bank should be advising a new account with new numbers/passwords/etc. if it is known that successful scams get passed from scammer to scammer. It seems very remiss of them not to make such suggestions.
But, yes, more details are probably needed on order to judge validity of the bank's action.
(Anything else fails there is always the Money Saving Expert site to ask. Plus some newspapers hold regular articles trying to help citizens.)
Depends on the scam OG which we are not privvy to.#
Most scams obtain the details once then burn it. What they will do is pass the details of the person on to another scammer who will then use a different scam. A new card wouldnt stop this. I am pretty sure the Bank would have done this if it was needed just as they would block payments to a known scammer, but as I say they tend to fill the account move it on and then burn it.
//Sorry to say this, but I'm with the bank here. It would seem from the number of scams that it is you who is at fault...and you're not learning from past experience.//
I have family in banking who are involved in trying to stop people being scammed but they refuse to heed advice and at the end of the day the bank can't refuse to send the money but then those scammed come to the bank expecting to be reimbursed.
The banks can't be expected to act as insurers against scams, it's not the bank's money it's the customer's money they being expected to hand over,
I only find out when checking bank statement to find money has gone out to company I've never heard of. The only thing I can think, I used to do a bit of online shopping with companies in the far east. I have some hobbies and craft items are so much cheaper there. My card is always with me, either on my home or handbag. Its the presumption I've done something wrong that's reduced me to tears this time. I appreciate all of you who took the time to post an answer and I'll certainly act on the suggestions made, thank you.
Carol
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