Bank Complaint

Macky1234

Hi I am new the Forum so please bear with me....

I have recently fallen victim to an online fraud, I have been issued a Crime Number for Fraud and the matter has been passed to City of London Police. My problem is that my bank will not agree that this is a Fraud, they keep saying i have been scammed (thought scam/fraud were the same) however, the bank will not investigate nor refund the money taken fraudulently from me.... Any advice would be more than welcome, thank you...

PS I am very embarrassed by all of this

mattyprice4004

More details needed, it's impossible to make hear nor tails of it from that.

With a card or bank transfer or counter transaction? Can you prove you weren't there when it happened?

Give a fair bit more detail before expecting any really useful info.

halibut2209

If you gave your details to the scammer, then you will not be refunded by the bank.

EDIT:

From another thread

"I too have fallen victim to this fraud. Online research indicates this Company constantly changing names, contact email addresses and tel no's... Better Business Bureau has this Company listed with an alert and a rating of F (worse that it can be). Scambook shows thousands in losses from innocent people. Google searches show pages and pages of victims.

I am currently in dispute with my Bank about how they are proposing to deal with this fraudulent Company.

I did not tick any boxes for monthly subscriptions, neither did I sight any terms and conditions. I simply completed the details on a advert that was advertised on a reputable website for free sample cream of Evening Sky and Sylk Skin (incidently both trash) and agreed to pay postage and packaging absolutely definitely not at any time did I agree or consent to this Company deducting 2 lots of approx £65 per month.

I have reported this Company to Trading Standards.

I have also reported this fraud to Action Fraud, who are the National Fraud Office. I have been given a Crime Reference No. and advised that this matter will be passed to The City of London Police.

Please spread the word for other victims of this crime to report to the Action Fraud.

Hoping to get to a satisfactory resolution with my Bank."

Macky1234

I answered an online advert for a free sample of face cream and all that I had to pay was postage and packaging. There were no terms and conditions, I was not on their website, but a reputable website who were advertising this cream, there was no tick box to say that I wanted to enrol into monthly subscriptions. The Company deducted the postage and packaging fee, fine, but have then continued to debit my account 2 amounts of £65 per month, which I have absolutely not agreed to. The fact that the National Fraud Office have advised me that I have been a victim of fraud and taken a report of Crime for the fraud and issued me with a Crime No. I am somewhat confused as to how the Bank can continue to state that this isn't Fraud.

halibut2209

It's not fraud. They counted on you not reading the small print. It's underhand maybe, but not fraud.

Police will give a crime number for anything. It doesn't mean that a crime has taken place.

McKneff

What is the name of the company.

Very often, hidden deep in the T&Cs there is usually something that says, If you dont cancel your subscrption you accept that we will enrol you on a monthly subscription' You may have missed it and so no fraud has been committed, it has been an error on your part.

Give us the name of the company and fresh eyes will have a look at them for you

halibut2209

It's a follow on from this thread

https://forums.moneysavingexpert.com/discussion/4201623

bris

If anything it is a civil matter between you and the company involved, the bank only process the payments from details you gave them, they did not steal these details.

Macky1234

Thank you for all your advice

McKneff

I really dont know why you are shouting 'fraud' many companies do this nowadays, they rely on you not reading the terms and conditions which you clearly have not done.

One of the biggies spring to mind in this company.

When yu ask for a free subscription of Which Magazine, or pay £1 for 3 months worth of copies.

The terms and conditions actually say that if you dont cancel then you will be subscribed into a membership for a year.

So none of it scamming or fraud.
You made the error, you must learn from it and move on.

Macky1234

I wasn't shouting anything, however thank you for opinion