Please help, now in debt again (not my fault!)

WLITC

okay, just re-read things and its your bank account thats overdrawn. I have to say I am confused how that could have happened. If its a baisc account they don't let you go overdrawn as transactions are normally approved at the time they are processed. Surely if the account had £2,100 of pending transactions about to clear then I can't see how they would have let you withdraw the cash.

kepar

WLITC wrote: »

okay, just re-read things and its your bank account thats overdrawn. I have to say I am confused how that could have happened. If its a baisc account they don't let you go overdrawn as transactions are normally approved at the time they are processed. Surely if the account had £2,100 of pending transactions about to clear then I can't see how they would have let you withdraw the cash.

That's the problem I am having understanding.

Ineedaname

If you believe this was a fraudulent transaction you definitely need to report it to the Police. Insist it gets referred to the internet fraud squad so they can investigate the IP addresses. Once reported you will have a case number which you give to the bank and which stop them chasing you until the investigation is completed.

skintandscared_2

If these transactions were fraudulent you wouldn't even hesistate to contact your bank and/or the police. Why would you assume they wouldn't believe it/act on it? What have you got to lose?!!!

There is no such thing as "responsible" gambling. What are you thinking??!!

Ineedaname

Please everyone, keep in mind Martin's words...

Aesop

I'm sorry but you cannot say you have not been hacked in 26 years, so it cannot be that, there is a first time for everything. My DH has had his card cloned twice ( a new card each time) in 11 and a half years.

It does sound like someone has your account details and are using them.

I agree you need to report to the bank and the police, so they can investigate.

With DH, the bank noticed suspicious activity on his account and called him up and queried the transactions, he said, NO, most definitely not me, so they refunded the money withdrawn and they said they stopped a further few more transactions!

kepar

The problem as I read it is that the OP has an internet account with a gambling website. Somehow two transactions of £900 and £1200 have been taken from the OP's account and sent to the website. The £900 was used to play poker and the £1200 was gambled with on his account.
The OP saw the transfers on his web account and decided before the money came out of the bank , he would take the money out. So now the transactions have been taken from the account he is overdrawn by £2000. So the collection agency must be working for the bank and not the internet account.
Why would anyone transfer money from someone else's account and then play/gamble that money, what would they gain. They would have trouble taking that money from the account if they had won. A strange one. I would have thought that the Betting website would have been more helpful.

freeoffers

None of this makes much sense to me. How can a basic bank account get overdrawn? Something is missing here and I'm sorry but i've used poker sites and betfair and other sites and yes you can get hacked and stuff but that still does not explain the basic bank account thing. OK, so the money was in your account and you withdrew it but the transactions also went through on gaming sites. And you didn't go to the police? And this was done in May? Do me a favour!!! Something fishy here.

dojoman

skintandscared wrote: »

If these transactions were fraudulent you wouldn't even hesistate to contact your bank and/or the police. Why would you assume they wouldn't believe it/act on it? What have you got to lose?!!!

There is no such thing as "responsible" gambling. What are you thinking??!!

Says who?.................................

poppasmurf_bewdley

Just as a point of interest, as the last time I had a bet was a shilling each way on a horse in 1966, and as I lost I never bothered with it again, I always thought that gambling debts could not be enforced by law. That was why casinos and bookies always used the heavy mob to get their money back from gamblers. Has this been changed now so that gambling debts can be enforced by law?

Sorry to be so thick.