Online banking fraud - refusing to help me

TinaScollay

Hi, can anyone help me out, i have noticed that i have had about £500 in online purchases made from my account. I have contacted ThinkBanking and they tell me that because it is believed to have been my son (who lives in his own place) that it is not fraud. How can this be? i did not give my permission, i did not authorise access to my card, and i certainly did not allow him to make any online purchases at all.
please help, the police tell me that the bank need to repay me and prosecute and the bank are telling me that i need to prosecute.

help.................

tina

lolavix

If someone in the family has access to your card the bank will normally not class it as fraud and you will need to prosecute them yourself. Think we need a bit more info - did you have the card on you when the transaction took place, and would your son have your card details?

pmduk

You need to make a formal complaint to Think Banking as detailed here

jalexa

lolavix wrote: »

If someone in the family has access to your card the bank will normally not class it as fraud...

You are right that the bank may initially try that line. However "presumption of guilt" should be vigorously contested via the complaints procedure as already suggested.

Unauthorised "access" to card details (i.e card and CV2 number) when used for online "fraud" is entirely different to "fraudulent use" where the card and PIN have been used together (which is indeed difficult to contest).

meer53

TinaScollay wrote: »

Hi, can anyone help me out, i have noticed that i have had about £500 in online purchases made from my account. I have contacted ThinkBanking and they tell me that because it is believed to have been my son (who lives in his own place) that it is not fraud. How can this be? i did not give my permission, i did not authorise access to my card, and i certainly did not allow him to make any online purchases at all.
please help, the police tell me that the bank need to repay me and prosecute and the bank are telling me that i need to prosecute.

help.................

tina

But did your son use your card details ?

If he did, then to get the bank to treat it as fraud, you will need to be prepared to prosecute your son. If you are, then they will refund you once you have involved the Police and they have confirmed this to the card issuer.

James

Why not give Action Fraud a call on their Free Phone Number - 0300 123 2040.

Website (Click here) for more advice.

Hope this helps. If you call them, your feedback would be appreciated.

Good luck.

NFH

I'm confused. The thread title says "Online banking fraud" but this does not appear to be about online banking at all. It sounds more like online shopping fraud to me. Can the OP clarify?

lolavix

jalexa wrote: »

You are right that the bank may initially try that line. However "presumption of guilt" should be vigorously contested via the complaints procedure as already suggested.

Unauthorised "access" to card details (i.e card and CV2 number) when used for online "fraud" is entirely different to "fraudulent use" where the card and PIN have been used together (which is indeed difficult to contest).

You're completely right! I didn't word very well.

I have come across this before at work and the bank were only willing to treat as a fraud if the person was willing to prosecute their family member

corbyboy

You don't seem to be disputing the fact it was your son, which suggests it probably was him. The bank must have got this information from somewhere. So how did they find out?

If your son has comitted fraud why don't you contact the police?

agrinnall

corbyboy wrote: »

You don't seem to be disputing the fact it was your son, which suggests it probably was him. The bank must have got this information from somewhere. So how did they find out?

If your son has comitted fraud why don't you contact the police?

I'd guess it'll be from the delivery address for the online purchases. If it was the OP's son that did it then the simplest answer will be to get the £500 back from him and not involve the bank or police at all (other than to get the card cancelled and reissued).

samwsmith1

James wrote: »

Why not give Action Fraud a call on their Free Phone Number - 0300 123 2040.

Website (Click here) for more advice.

Hope this helps. If you call them, your feedback would be appreciated.

Good luck.

0300 aren't freephone numbers.

• The same cost as a normal call. Whatever tariff you’re on the cost of an 0300 number is the same as calling a normal phone number.

http://blog.moneysavingexpert.com/2009/03/03/loan-shark-hotline-hoorah-its-not-a-freephone/