Fraud on newphew card

pmduk

I'm certain that it's been stated on here that not all CIFAS marks appear on the record.

dalesrider

innovate wrote: »

it sounds rather unlikely that Halifax and Santander would turn him down.

Something doesn't add up.

Is he on the ER? Does he fill in the application forms correctly? How did he apply - online or in Branch?

Is the person concerned not a student, with no income....

Could be that is the reason.

As well as I can think of another.....

starM

Halifax & Santander was declined in branch. He just applied for Nationwide Flex Account online and it was accepted as long as he provides the correct identification. MS

innovate

starM wrote: »

.... it was accepted as long as he provides the correct identification

That very much points to him not being on the ER, or not for long enough.

Anyway, seems he now got an account, and hopefully he will take care of his account security.

mulronie

starM wrote: »

Now his PIN number was set as part of his Date of Birth - Will that go against him?

My view - it should do.

I bet you all the petrol in the world that your nephew has an unsecure facebook account where he broadcasts his D.O.B to anyone savvy enough to find a card in the street and search for his name.

Paul_01

mulronie wrote: »

My view - it should do.

I bet you all the petrol in the world that your nephew has an unsecure facebook account where he broadcasts his D.O.B to anyone savvy enough to find a card in the street and search for his name.

I don't think this is what has happened here.

If I was the OP I'd be applying Occam's Razor. The answer to what has happened here is probably much closer to home.

dalesrider

Strange thing is if they had his card and PIN...... A true fraudster would be using it at a ATM to get something that has no comeback.
Not filling up on petrol/cigs/booze.

Add in from #15

Also credit paid on 04/05 at 15.24 £15 Washwood Heath branch was not paid by my nephew or brother in law. The person taken the card should have credited the money so account gets in credit by £4.73 so they can use the card.

A fraudster paying into a account....
The only way they would have known, that the card was unusable, is by doing a balance check at a atm and that would show up on the systems. Or attempting a transaction and it being declined. In which case a fraudster would simply dump the card.
Unless it is someone known to or the card holder.
Also the arguement on the number of transactions is odd. Petrol UPT's are authed at the time of purchase as they have a zero floor limit. So £5 in credit would be taken up by 3 auths (most are £2)

victoria797

dalesrider wrote: »

Strange thing is if they had his card and PIN...... A true fraudster would be using it at a ATM to get something that has no comeback.
Not filling up on petrol/cigs/booze.

The account had no money for the fraudster to withdraw,hence the fraudster had topped it up with £15 so that he had enough balance in the account for him to use at the petrol stations.You only need to have £1 to fill up at the Pay at pump service.

Above said,I highly doubt that this is a case of third party fraud.It's more likely that the OP's nephew had known of the transactions and willingly took part in the fraud.He must have thought his bank account could not be charged for all the £100's of fuel he or his mates had filled up,as he had not enough money in the account.Why else would there be a deposit of £15 minutes before using the card for serious of transactions at pay-at-pump machines.And he had informed HSBC that he was indeed in possession of the card when the fraud prevention team called.He would have continued to use the card for similar type of transactions but stopped as he would have found out that his account was overdrawn on the third day of the first transaction.And he has lied to his dad to cover up.It is just obvious.

starM

victoria797 wrote: »

The account had no money for the fraudster to withdraw,hence the fraudster had topped it up with £15 so that he had enough balance in the account for him to use at the petrol stations.You only need to have £1 to fill up at the Pay at pump service.

Above said,I highly doubt that this is a case of third party fraud.It's more likely that the OP's nephew had known of the transactions and willingly took part in the fraud.He must have thought his bank account could not be charged for all the £100's of fuel he or his mates had filled up,as he had not enough money in the account.Why else would there be a deposit of £15 minutes before using the card for serious of transactions at pay-at-pump machines.And he had informed HSBC that he was indeed in possession of the card when the fraud prevention team called.He would have continued to use the card for similar type of transactions but stopped as he would have found out that his account was overdrawn on the third day of the first transaction.And he has lied to his dad to cover up.It is just obvious.

I agree he has made number of stupid mistakes but I seen him grow up and I am 101% sure he has not done this. If at any point we felt my nephew has used the card fraudulently or let friends to use it then we would have drop the case.

victoria797

Where all the petrol pumps nearer to where your nephew lives?.He is never going to plead guilty if he had actually done this willingly until its proven.Think of the consequences he had to face at home?