Fought with the bank and won - Got my £££ back :)

jerczu

Some time ago (3 weeks) I had £350 stolen in card fraud. HSBC returned half of it and said they won't return other half as the transaction was done through secure website which is by the way the most ridiculous excuse they could find as I am an IT professional.

I challenged their explanation and asked for proofs, also mentioned the govt. legislation that obliges the banks to return the whole amount that was fraudulently taken from my account. Just yesterday I got my money back.

It just brings a thought to my mind - what if I wasn't an IT professional? I probably wouldn't have a clue what HSBC was talking about and I guess I would have to agree with Bank's decision and never receive the rest of my money... Don't trust your banks to investigate your case properly...

brokeinyorkshire

Did they give a reason for the original decline?

I ask because usually when fraudulent transactions have been done using the banks secure service the IP address used is checked and a check is also made to see if the password for the service has been changed. A decision is then made based on the results.

Glad you got your money back anyway. :T

heloid

For the benefit of others could you post what your argument was? I.e how you convinced them it was fraud even though it went through a secure portal?

olly300

heloid wrote: »

For the benefit of others could you post what your argument was? I.e how you convinced them it was fraud even though it went through a secure portal?

If someone gets your card number and the details on your card then they can use it on a website regardless of the security on the website.

Verified by Visa or the equivalent Mastercard one are also proven to be insecure.

Some card details have been proven to have been stolen by those who work in overseas call centres for retailers as well as banks.

Most information like this tend to be posted on sites like http://www.theregister.co.uk/

pmduk

Well done for standing your ground. It's proof that it's always worth fighting your corner. I suspect they try it on in the hope that the customer doesn't know their rights.,

brokeinyorkshire

pmduk wrote: »

Well done for standing your ground. It's proof that it's always worth fighting your corner. I suspect they try it on in the hope that the customer doesn't know their rights.,

Hardly!!!

Haven't you heard of the FSA???

agsnu

brokeinyorkshire wrote: »

Hardly!!!

Haven't you heard of the FSA???

HAHAHAHAHAHAHHAHAHAHAAHAAH:rotfl:

brokeinyorkshire

agsnu wrote: »

HAHAHAHAHAHAHHAHAHAHAAHAAH:rotfl:

Glad i made you laugh.

I wonder why people have so little faith in the Birtish banking system????:D

I notice OP is conspicuous by his absence tho!!

pmduk

The FSA is generally a waste of space. If a bank gets caught breaking the rules the old boys act gets involved and they're told to do it again.