Halifax bank charge due to fraud

hellfirejen

Hi

New here, and looking for any help or advice on a situation i'm in.

I'll be honest, i'm crap with money, all my bills get paid on time, but i just cant seem to stay in my overdraft! I've made a conscious effort to do so the past few months and it was working, until I went over by £3 and got the usual "we will be taking £35 on the 4th of the month because you went overdrawn spiel". Anyway, I recently got an email from paypal saying that some unusual activity was going on with my account and it turns out someone had managed to get into my useraccount and spend £22 on some random website, this, leading to my going over my overdraft again and Halifax telling me that I would be charged a further £35 on the 5th of the month because of this.

I phoned them to explain the situation and the woman didnt understand how paypal worked and kept banging on about filing fraud investigations and stopping my card. I explained that no one got to my card details, they just logged in and as the card is registered with that account, they just put in the transaction details and click pay. They told me that there was nothing they could do unless I filed a fraud claim because someone has stolen my details (they haven't!) and that I should ask paypal to pay the charge for me. I emailed paypal, knowing full well what they would say, just so I can say it has been done, and they said that it was up to the bank to decide to drop the second charge. I highly resent having to pay £70 for going over my overdraft by £3 and then because someone else hacked into and took £22 out of my account! :mad: I know its not a great deal of money, but I struggle as it is. I have the emails from paypal confirming it was a third party accessing my account and confirming that it has been investigated. do you think this is just a case of a member of staff not knowing what they are on about or is it hopeless to try writing to them etc?

Thanks for any help on this!

Jen

MPH80

Hmmm ... not sure on this one ... but .... here's my 2p.

You are the one responsible for your card details ... and you gave those details to a 3rd party (paypal).

Now that 3rd party let someone misuse your card details.

If this were your physical card and you gave your card to a mate, who gave it to another 'friend' who withdrew £100 - you'd be liable because you willingly let the card go to your mate. You're only not liable if your mate nicked it.

I'd say your beef is with Paypal rather than the bank because, from the bank's point of view, you let your details go to another company and then that company let someone abuse the card.

I'd hazard a guess that even if you did file the fraud claim - you wouldn't get anything back from the bank.

M.

Paul_Herring

because someone has stolen my details (they haven't!)

But they have. Ok - they aren't your Halifax details, but somewhere where those details are stored.

If you've been negligent with your Paypal credentials, then you are liable for the charges.

If Paypal have been the negligent ones, then it is Paypal you must complain to, not Halifax.

Halifax can do nothing in this situation (at least not at your behest. Paypal may get somewhere themselves, but that will have nothing to do with you.)

Paparika

In a sense they have stolen your details and are using your bank details to go shopping via pay pal.

Just full the fraud form out and get it sorted.

Halifax can take months over this (Dad was done for a few grand with someone shopping with his cards - but did get it all back) so the sooner you cancel your bank stuff the better or they will continue to use it, shame it wasn't a cc as you have some protection.

Pay pal are useless as funny as it sounds i got stitched up a few times on ebay with pay pal, each time it was an American and each time they admitted they look after americans as they are an american company, i was left so mad with that, i rarely use em now, fact i have forgotten my password and the usual contact methods are useless to recover it.

If you are adamant that someone hacked your paypal then cancel your cards now.