bank fraud help

trueblue6877

hi all i recently have been a victim off fraud someone called up my bank pretending to be me saying i had lost my card then 20 mins later went into a tsb in england and got £1000 out of 2 accounts ( £500 each) without any id on them and now the bank is dragging its heals paying the money back by saying i need to get a crime ref no from the police to start the fraud claim
they have cctv footage of this person doing this which proves its not me
can anyone advise me on this as i feel the longer it goes on the less chance i will have of getting my money :mad: :mad: :mad: :mad:

FOXGLOVE_2

Contact the police and explain what happened, give them as much information as you can.

They should give you this crime reference number so you can get the claim started.

I know you're probably furious but it's just one of the things they need when sorting this out. They just need to know it's been reported so that the police can say the money was taken without your authorisation.

Good luck.

opinions4u

trueblue6877 wrote: »

now the bank is dragging its heals paying the money back by saying i need to get a crime ref no from the police to start the fraud claim

Why are you unable to get this?

If you're not prepared to report the theft, then why should the bank reimburse you?

They're not asking you to jump through hoops. Just do what's asked and I'd expect to see you get your money back pretty rapidly.

hippey

You can normally report this sort of crime on the phone or on-line, which would even save you waiting at the station.

So what are you waiting for??????

It's unusual that YOU should report it though, it normally is the bank as it will be their loss in the end (Home Office counting rules - No victim, crime related incident)

Or are they thinking you have done something wrong, if you have then think carefully before you report it.

LeeSouthEast

The victim is technically the bank, so the police will be unlikely to take a report from you other than as a third party.

lol, I'm late. Hippey beat me to it.

opinions4u

LeeSouthEast wrote: »

The victim is technically the bank, so the police will be unlikely to take a report from you other than as a third party.

lol, I'm late. Hippey beat me to it.

The victim is the account holder. It is their money that has gone missing, not the bank's money.

If the account holder is unwilling to report the crime to the police, the bank will take the view that no crime has been committed. In cases like this it is not unheard of for an acquaintance of the account holder to commit the theft, and then the account holder pursues a claim.

The stance of the bank is reasonable.

PBA

opinions4u wrote: »

The victim is the account holder. It is their money that has gone missing, not the bank's money.

Absolutely right, the fact that the bank underwrite the loss is irrelevant, it's the account holder who's had their money taken. You'd still make a police report if your home was burgled, despite the fact that it's your insurance company that takes the loss.

trueblue6877

thanks folks i was only looking for advice
i have already given a statement to the police just waitin on a crime ref number i live in scotland and my money was taken form a branch in lancaster so im getting told diff things from two diff police stations

thanks once again

doorlock79

sounds like the bank isn't doing its job

opinions4u

doorlock79 wrote: »

sounds like the bank isn't doing its job

Why, what should they have done?

"Ah yes, the CCTV shows it wasn't you, so here's your money back. Will your brother (who we've just seen on screen) be keeping his share?". (OP, not suggesting that this is what went on in your case ...!!)

The example above is why a bank will ask the customer to report it to the police.

If the customer is not prepared to, I would assume there is something to hide.

KILL_BILL

the bank allowed someone to withdraw money wiht out any ID

which ever member of staff did that needs to be shot and then sacked if the story is to be beleived