Someone has stolen £3000 from my bank account

fruitcake_2

Mikeyorks wrote: »

Depending upon the circumstances of the fraud - a temporary overdraft may not be a good thing - as they may return for a 2nd helping.

Very similar recent thread with virtually identical problem - so I'll not duplicate the advice :-

http://forums.moneysavingexpert.com/showthread.html?t=2122575

Thank you for this. I did read this before placing my post, and need to find another pc with which to do a credit check, I have no intention of asking the bank for a temporary overdraft, I really wouldn't want them trying again. Dont think I'll sleep until it's sorted out!

radox

fruitcake wrote: »

I'm with HSBC.

Have totally checked and rechecked my pc, for keyloggers and viruses, nada my friends.

Am now thinking, and praying it's not, identity fraud. I had my handbag stolen back in February, this year with all my cards details etc, I wonder if there may be a connection from that...I hope not!

I'm also wondering, what is to stop it happening again? It will be the same account number and sorting code that the bank will issue me?

Wich bank did he send to?

greenmantle

I had my handbag stolen back in February, this year with all my cards details etc, I wonder if there may be a connection from that...I hope not!

I've found HSBC to be utterly paranoid about fraud, so I'm surprised that they didn't have a marker on your account to trigger a fraud call on big transactions after this.

My fraud calls (instantaneous - attempt online transaction, phone rings) from them have gone up since my wallet was stolen last year. They pride themselves for pretty good at this so I hope they're suitably embarrassed (or you can make them so by reminding them), and leap into action.

If you have another current account, I'd advise you to use that for a while. I didn't want any cash in the HSBC one available to be raided again.

al25

greenmantle wrote: »

I've found HSBC to be utterly paranoid about fraud, so I'm surprised that they didn't have a marker on your account to trigger a fraud call on big transactions after this.

My fraud calls (instantaneous - attempt online transaction, phone rings) from them have gone up since my wallet was stolen last year. They pride themselves for pretty good at this so I hope they're suitably embarrassed (or you can make them so by reminding them), and leap into action.

If you have another current account, I'd advise you to use that for a while. I didn't want any cash in the HSBC one available to be raided again.

From a security point of view it's becoming extremely difficult to strike a balance between preventing fraud and protecting legitimate customer interests.

fruitcake_2

radox wrote: »

Wich bank did he send to?

Hi radox, it was transferred to a TSB Lloyds account, why are you asking about the names of the bank accounts, is there something you've read that I've missed? Having looked at your posts, nearly all of them are about HSBC and transferring money. Please share your thoughts.

fruitcake_2

greenmantle wrote: »

I've found HSBC to be utterly paranoid about fraud, so I'm surprised that they didn't have a marker on your account to trigger a fraud call on big transactions after this.

My fraud calls (instantaneous - attempt online transaction, phone rings) from them have gone up since my wallet was stolen last year. They pride themselves for pretty good at this so I hope they're suitably embarrassed (or you can make them so by reminding them), and leap into action.

If you have another current account, I'd advise you to use that for a while. I didn't want any cash in the HSBC one available to be raided again.

I quite agree, and was also surprised that this went through, maybe they are not on the ball as they once were. I will see what happens and may end up changing my bank. they have my mobile and homeline and email, but I have not found HSBC to be very interactive.
You are one of the fortunate ones.

Am going to go and find out what is going on.

fruitcake_2

Okay, quick update, received letter today on how to update pc with firewall etc, and how to go about reinstating my online banking with the bank. Also did a statement print with my card, and they have put all the funds back as of 07/12, so am very relieved about that. :j

Still no wiser as to how it happened, am pretty sure I did not use a phising site or have a virus on the pc, as am up to date and live with a techie!!

Am probably not going to use online banking for a bit. Does anyone know if there is a way I can see what the bank found out, I'd like to know what the online audit showed, because the letter says it was "probably phishing", is that their way of saying they're not sure?

Danstar_2

greenmantle wrote: »

I've found HSBC to be utterly paranoid about fraud, so I'm surprised that they didn't have a marker on your account to trigger a fraud call on big transactions after this..

My girlfriend was shopping online tonight with HSBC after a few quick transactions they blocked her card and she had to spend 20minutes on the phone going through the transactions checking she wasn't being 'fradued'

to the OP so sorry about this, if it's any consolation I will tell you a funny story.

I was at the petrol station, filled up my car and went to pay with my debit card. The card was declined this wasn't right. So I tried again - declined again. Told the person on the counter it couldn't be right I have over £600 in my account plus an overdraft and the petrol is only £50odd so tried again. Declined. I'm panicking here.

I think I've been frauded - all my money plus the overdraft gone. I'm on the phone to Mum, she doesn't answer, Dad he doesn't answer. They're both at work. So I ring my Granny tell her what's going on so I wait 20 minutes whilst she comes to pay for the petrol for me.

I drive straight home and call the bank and tell them I think I've been frauded I need to cancel my debit card. The woman told me I still have all the money in my account and asked for the last 6 digits of the card I was using. Turns out I was using my old private banking debit card that I'd reported lost months ago. I'd picked it up by mistake.

I felt like such a tool. Sorry about you being frauded, I hope that goes some way to cheering you up.

fruitcake_2

Danstar wrote: »

My girlfriend was shopping online tonight with HSBC after a few quick transactions they blocked her card and she had to spend 20minutes on the phone going through the transactions checking she wasn't being 'fradued'

to the OP so sorry about this, if it's any consolation I will tell you a funny story.

I was at the petrol station, filled up my car and went to pay with my debit card. The card was declined this wasn't right. So I tried again - declined again. Told the person on the counter it couldn't be right I have over £600 in my account plus an overdraft and the petrol is only £50odd so tried again. Declined. I'm panicking here.

I think I've been frauded - all my money plus the overdraft gone. I'm on the phone to Mum, she doesn't answer, Dad he doesn't answer. They're both at work. So I ring my Granny tell her what's going on so I wait 20 minutes whilst she comes to pay for the petrol for me.

I drive straight home and call the bank and tell them I think I've been frauded I need to cancel my debit card. The woman told me I still have all the money in my account and asked for the last 6 digits of the card I was using. Turns out I was using my old private banking debit card that I'd reported lost months ago. I'd picked it up by mistake.

I felt like such a tool. Sorry about you being frauded, I hope that goes some way to cheering you up.

Thanks Danstar, every story helps....especially the funny ones!;)

Shelldean

Glad you got our money back.
We're also with HSBC and we had £500 taken a while back to pay some barstewards credit card bill.:eek:
It was an unusual transaction for us yet HSBC totally missed it, the o ly reason I'd spotted it so fast was because I was checking online often as we was waiting for OH to wages to go in and we was REALLY close to going over the OD limit. Yet HSBC let this transaction go thru pushing us almost £500 over the OD limit. Intially service from bank was awful, but it was sorted once I was able to go into branch and speak with them. Got the money back and wasn't charged, so no issues there. But it does leave you feeling awful doesn't it?