Fraud Advice

mttsclly

This was almost 14 months ago, Lost my card and chequebook in london. I had called to notify the bank that my card and chequebook had been lost/stolen. They asked me if I had ever written any cheques; I said no.

I then called back the bank and found that lots of money had been debited from my account (even though I only had a £750 overdraft) and I was -£5000, the woman was really rude and being only 20 years old at the time I was stumbling and stuttering and basically made a complete muppet of myself in that phone-call getting completely confused etc,

Fraud team got back to me and said I was liable for the charges and it was passed onto Metro debt. collection.

I still contested it, for almost 7 months saying it wasn't me, but always being met with a firm "it was."

A year passed, I had been locked out of my account and couldn't get access even when I went to branches several times to try to unlock this. Many letters went back and forth. Finally I got bored of this silly game and went to the FOS; they contacted the bank.

It was then that a Fraud manager contacted me to say he would look into this and didn't know why it took so long to sort out.

Happy days! received a letter saying that I would not be held liable for the fraud on my account; all charges were claimed by the bank through VISA. Done and dusted.

Two months pass and I then make complaint to the bank saying I want compensation, I now find out that they are looking back through all my telephone calls. I have no idea why, I am just not wanting another repeat of what happened before.

pmduk

I assume that they want to find out what happened in order to resolve your complaint.

chanz4

why would you go back to them...

Firefox1975

Just exactly what compensation do you think you deserve?

£5,000? , £10,000?

Or perhaps the cost of your phone calls back. maybe a £5?

is it worth it?

Are you genuienly under the asumption that you will get a pay out for this? it has cost you practically nothing, compensation is awarded to put you back in teh position you woudl have been in had the incident not happened. I cannot see why financial compensation is justified?

mttsclly

thanks for the reply guys, to be honest; no I do not expect compensation, I was just wanting to have a bit of a moan at them for taking 14 months to sort it out.

However I am worried that this stupid one phone-call from 14 months ago will throw everything back into turmoil. But I have had a mixed reaction from people I have asked in regards to the case being closed & done.

With some people saying that "the fraud team have probably already heard it and it doesn't matter" to "oh, i'm not sure, maybe they can change their mind".

It's just a bit ironic that I am not sat here wondering this because it took me so long to prove myself innocent, I don't want to go through it all again!

meer53

They will have to listen to the call to see if you were given the correct advice and information, how do you expect them to look further into it without hearing what was said ? You said you wanted compensation, they won't consider this until they find out whether any errors were made by them.