barclays fraud

barbie85

hi i was windering if anyone could help me.
someone stole £400 from 1 of my bank accounts from barclays by depoisting a cheque that bounced so now my account is £400 overdrawn this happened on the 4th nov. barclays have done nothing about this even though i have been chasing it for weeks i also contacted police and got a crime ref number. then on the 24th dec another department at barclays took £329 from another account to bring the fraud account less overdrawn. i am very angry have phoned many times keep promising me it will be sorted out within 24 hours my shopping was due to be delieved this morning now cancelled and my rent is due in the morning and i have no money because of barclays plus am out of pocket big time for phone calls is there anything i can do?

dunstonh

someone stole £400 from 1 of my bank accounts from barclays by depoisting a cheque that bounced so now my account is £400 overdrawn this happened on the 4th nov.

Can you clarify this please? If someone paid a cheque into your account which then bounced wouldn't you be in the same position as you were before the cheque was deposited? i.e. £400 paid in, a few days later £400 withdrawn as it bounced. Net effect on balance = nil.

barclays fraud

What is your evidence that Barclays have committed the fraud?

then on the 24th dec another department at barclays took £329 from another account to bring the fraud account less overdrawn.

You say Barclays took £329 but it brought the account less overdrawn. Surely if they took money from the account it would make it more overdrawn. Only a credit could make it less overdrawn. What did Barclays take the money for?

pinkteapot

dunstonh wrote: »

You say Barclays took £329 but it brought the account less overdrawn. Surely if they took money from the account it would make it more overdrawn. Only a credit could make it less overdrawn. What did Barclays take the money for?

This part I understood. OP has two (or possibly more) accounts with Barclays. They moved £329 from an account that was presumably in credit to the account which was overdrawn.

However, I'm also lost as to how a cheque that was deposited and then bounced has led to a loss of £400.

OP: Who was the cheque from? That's the person you have a problem with, not Barclays, surely.

Savvybunny2009

Do you mean you were given a cheque, spent the money before it cleared and as it bounced you became overdrawn? In which case the above was correct, it would have a nil effect and the reason you would be overdrawn would be due to you using the money you didn't have. In this case Barclays are not at fault.

Barclays are allowed and do pay off debts from account balances if the account is with them. I feel this is fair.

I think you need to get hold of the person who wrote the cheque, or clarify a bit more so someone can help?

barbie85

someone put a cheque into my account for£900 then barclays let that person withdraw £400 before it cleared so thats how i become minus £400 in that account. i have another account with barclays that had money in it so barclays collections department decided to take £329 from that account and put it in the fraud account to regain the money which was stolen even though the fraud team at barclays said nothing could happen to this account until it was resolved.

barbie85

i never put the cheque into my account it was a criminal nothing to do with me someone has faked my id and gone into a bank and put in a cheque from themselves or whoever that they knew would bounce as barclays allow half the money to be withdraw from that cheque apparently it is the most common fraud (so barclays say)

pinkteapot

If this is the case and it happened to me, if the bank didn't get the money back to me within days I'd be going to my branch and refusing to leave until they did something! Cheaper than phoning their call centre.

I've not had dealings with Barclays but the fraud departments at both Capital One and HSBC are very good. I've only ever had credit card fraud (charges that weren't mine), but this was resolved within days. This has been going on for nearly two months! I would expect the same for bank account fraud, especially with a police crime reference number in hand.

dunstonh

someone put a cheque into my account for£900 then barclays let that person withdraw £400 before it cleared so thats how i become minus £400 in that account.

Thats quite a common fraud. Its also one that Barclays can sort pretty easily and quickly (at least from your point of view) as they just need to check the signature on the withdrawal form. If they are dragging their heels on this then make a formal complaint.

The transfer between accounts is something banks are allowed to do under the offset rule. The person that did that probably didnt know that there was a disputed transaction on your account.