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Bank don't believe me about fraud!
Comments
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The implication seems to be that the vendors would have sent emails to confirm these transactions, and those emails went to your address.
In BA's case, if somebody has registered with their site using your email address, presumably you were sent an email at the time.
You'll need an excuse for ignoring those emails.
The OP isn't saying that their email address was used. Just a "valid" email address. If BA can confirm that the booking was made from the IP address which belongs to the OP then there may be a problem.
I've seen airline tickets which have been paid for by fraudsters, and used by them. I've also managed to get the airline to cancel the return part of the ticket.0 -
The implication seems to be that the vendors would have sent emails to confirm these transactions, and those emails went to your address.
In BA's case, if somebody has registered with their site using your email address, presumably you were sent an email at the time.
You'll need an excuse for ignoring those emails.
I haven't had any emails.
The easyjet paperwork has an email address on it but its not mine.
The BA paperwork is illegible
If they sent an email as part of their security checks then surely it would require a response.0 -
Since when was a 'valid email address' considered 'proof' that a charge being made to a credit card is genuine?"You were only supposed to blow the bl**dy doors off!!"0
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New one on me. But a fraudster is unlikely to use his own email address or anybody else's, so he'll generally make up a phoney address and hope that no flags are raised when the mail bounces.maninthestreet wrote: »Since when was a 'valid email address' considered 'proof' that a charge being made to a credit card is genuine?
Re-reading the original post, I realise that the "valid email address" excuse applies only to the BA transaction. Apparently the bank understands BA to be claiming that they have done enough to identify the OP as the owner of the online account.
If somebody out there has an online account with BA using the OP's name and address, that needs to be taken up with BA. I think I'd start with a subject access request.
Meanwhile, 2 other merchants (but not 3) have also persuaded the bank that the OP made the transactions. How?"It will take, five, 10, 15 years to get back to where we need to be. But it's no longer the individual banks that are in the wrong, it's the banking industry as a whole." - Steven Cooper, head of personal and business banking at Barclays, talking to Martin Lewis0 -
Ask your bank to go back to the retailers and ask for the IP address that the transactions were made from. You can then see which country and ISP was used.0
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I have no doubt that HSBC are pefectly well aware that these transactions are fraudulent. Like all the banks, they are desperately hiding the fact that fraud is out of control.
Send them a 'prove it' letter."Never underestimate the mindless force of a government bureaucracyseeking to expand its power, dominion and budget"Jay Stanley, American Civil Liberties Union.0 -
More than likely the transactions were all done by phone - PAYG mobile.glider3560 wrote: »Ask your bank to go back to the retailers and ask for the IP address that the transactions were made from. You can then see which country and ISP was used.
That's consistent with the spelling mistakes, which are presumably common in phone orders.
And all on the basis that the person booking and paying wouldn't be the person collecting. The car-hire firm presumably asked for some ID, but that wouldn't be relevant unless somebody was trying to catch and prosecute the fraudster, which of course they never are."It will take, five, 10, 15 years to get back to where we need to be. But it's no longer the individual banks that are in the wrong, it's the banking industry as a whole." - Steven Cooper, head of personal and business banking at Barclays, talking to Martin Lewis0 -
If you get no joy from them tomorrow, I'd go down the formal complaint route. I suspexct they have very little evidence and are trying to fob you off hoping you'll give up. When this is solved I'd be considering a different bank.0
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I think this one is pretty straightforward. Having worked in credit card disputes in the dim and distant passed it is likely you just need to contact HSBC to advise them that you have looked at the supporting documents they have supplied and that you
1) Still do not recognise these transactions and believe they are fraud
2) You do not recognise or know the individual named passengers shown in the paperwork
3) You do not recognise the email addresses in the paperwork
This alone should be enough of a declaration to have the credit card issuer credit these transactions. Thier internal disputes procedure may just be that if evidence of the transactions is supplied by the merchant, it is provided to you and the charges are put back on your account UNTILL you advise that you still don't recognise or agree with the transaction documentation. Contact them and go through the above points with them. Unless there is rock-solid evidence you made these transactions (and it seems there really isn't) you will get your money back.0
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