Someone has stolen £3000 from my bank account

greenmantle

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?

You know, 'Which?' only rank HSBC online banking security at 'Medium', but I don't know where it might be vulnerable. HSBC US requires you to type in an extra password using a 'keyboard' on the screen... Use a Mac so have no input on PC vulnerabilities though.

libra10

Glad the problem has been sorted.

Nationwide are certainly on the ball. Last week I used my credit card to pay £1800 for some furniture, over the phone. Unfortunately, it was declined.

I had to phone Nationwide who said because it was a large transaction, their security had kicked in and blocked it.

It was a nuisance at the time but it's good to know there are security blocks in place.

fruitcake_2

greenmantle wrote: »

You know, 'Which?' only rank HSBC online banking security at 'Medium', but I don't know where it might be vulnerable. HSBC US requires you to type in an extra password using a 'keyboard' on the screen... Use a Mac so have no input on PC vulnerabilities though.

Am thinking a Mac is the way to go, as odd as it sounds I'm hoping it was phishing, otherwise I can see it happening again if it's ID Fraud...maybe I should just change my ID!!

Shelldean wrote:

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?

So sorry to hear it happened to you, yes it is bloody awful, took me ages to get over my personal belongings getting taken in the beginning of the year, and all those feelings came flooding back when this happened. I don't think thieves have a conscience. Glad you got yours back :T

rb10

greenmantle wrote: »

You know, 'Which?' only rank HSBC online banking security at 'Medium', but I don't know where it might be vulnerable.

No, they don't. Read the actual article that Which published (http://www.which.co.uk/news/2009/08/online-banking-security-risks-revealed-183544.jsp), and you'll see that it's only talking about the visible security. This is very different to actual security.

Take Halifax, for example, who for visible security are given as "poor". However, their actual security is not "poor" - they monitor every transaction that you make online, and they will phone you if it's considered suspicious (one factor, amongst others, that they look out for, is your IP address - so are you using the computer that you normally use, or a different one). This is (most of the time) invisible security.

socrates

fruitcake wrote: »

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.

You need someone to join the dots?

cottager

Glad it's been put right for you, fruitcake.

To add to other tales of how on the ball different companies are, last year I used my M&S Mastercard for an overseas (US) transaction: not much, about $35-40 I think, and it was declined. Within literally seconds M&S were on the phone to check if it was legit -- so instantaneous that I was still only at the surprised stage, trying to mentally 'process' the refusal as it had never happened to me before.

I was well impressed, and letting the transaction through was equally quick -- she said I could try again immediately and it would go through, which it did. This was maybe about 10 at night. Never happened since so it's still my only experience of 'security in action'... I do have another c/card (Co-op) which I use more frequently online, including a fair few overseas transactions, but they've never declined anything.

rb10

cottager wrote: »

To add to other tales of how on the ball different companies are, last year I used my M&S Mastercard for an overseas (US) transaction: not much, about $35-40 I think, and it was declined. Within literally seconds M&S were on the phone to check if it was legit -- so instantaneous that I was still only at the surprised stage, trying to mentally 'process' the refusal as it had never happened to me before.

I was well impressed, and letting the transaction through was equally quick -- she said I could try again immediately and it would go through, which it did. This was maybe about 10 at night. Never happened since so it's still my only experience of 'security in action'... I do have another c/card (Co-op) which I use more frequently online, including a fair few overseas transactions, but they've never declined anything.

Your M&S card is run by HSBC. And HSBC's fraud prevention system does seem to be very good. They use a system done by the same company as Halifax use. When I had a fraudulent transaction on my Halifax account, Halifax phoned me within sixty seconds of the transaction taking place. I was very impressed that this meant that my card was cancelled within just minutes of the attempted transaction.

cottager

Thanks rb10: and there was me thinking I'd never had an HSBC account! (Yes I know, read the small print! It's one that 'escaped'.)

sunnygirls

Last year while we wer holidaying in Cyprus ,my daughter rang us and said halifax had called and asked to speak to her dad she informed them we were on holiday they dont happen to be in itally do they she asked ,no cyprus she told her she asked her to get in touch with us and for us to call them urgently . After many calls (we didnt have the card with us ,so didnt no the account number) it turned out someone was having a shopping spree in Italy with our debit card . Must say Halifax were excellent ,all the money was back in our account by the time we were back home ,our card had been copied probably at local cashpoint were ii always take cash out .