bank fraud help

opinions4u

KILL_BILL wrote: »

the bank allowed someone to withdraw money wiht out any ID

So if a customer has their card stolen and needs cash urgently, is it reasonable for the bank to withold it? You don't know what security checks were made prior to the withdrawal, but it does appear that the OP inadvertently disclosed information to the fraudster. Ultimately the bank will pay for allowing the fraud to take place.

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

I assume the shooting wouldn't be fatal, as it would be a bit harsh to blow someone's brains out and then dismiss them.

mrgrumpy_3

trueblue6877 wrote: »

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:

I had fraud on my accounts with HSBC so they told me to report it to the Police. The Police told me they would not investigate until the bank informed them of a fraud taking place (fraud act 2007). They would not give me a crime reference number, only a reporting reference.....!!!! Now HSBC have there oppurtunity not to do anything about it.... Which is exactly what they are doing.... Keep at them is my only advice....!!!

mazza111

Police will give you the incident/crime number if you call them up and ask for it.

hippey

opinions4u wrote: »

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.

The 'victim' will be the bank, the OP in this case is the 'informant & witness', and as the OP will be reported the crime it will be classified I would think as a Crime Related Incident, so you might not get a crime number just an incident number, this sounds confusing but this is the way crime is recorded and reported. If you are reporting in Scotland I can't help with that, laws vary and so does the reporting of crime.

The reason you will always get different answers from police will more than likely be you will tell the story different everytime. I would suspect the bank are giving a rope for you to hang yourself (so to speak) as if you did have a part in this fraud you have just dropped yourself in it. However if what you say is true, they should repay all you money.

How do they know the CCTV is not you? And who viewed it? Have they got the call records from the advisor who changed your details? And maybe a recording of the call? If they have gone this far then it should be the bank reporting the crime not you.

opinions4u has put it very clearly down to the bank, and they are right. Down to the bank.

hjb123

I saw this thread the other day but then forgot bout it til I read our local paper today (I live near lancaster) and saw a news item in it about a man going into the Lloyds in Lancaster and withdrawing £2800 from a company account that wasnt his - is this the OP? I thought it was a first but different amounts are mentioned?