NatWest Credit Card Fraud on Account

jerhams

Hello to all the wonderful people at MoneySavingExpert.com,

I just wanted to ask a quick question on fraud on my wifes credit card which has been going on for over 2 month's.

The fraud was with a gambling site and to cut a long story short NatWest Fraud team reversed all the transactions on her account which was great.
NatWest even clear the money owing that she used herself which was just over a £1000 or so, And this left her account in credit by about £60 odd pound.
This was all sorted out by one of the managers in NatWest Credit Card team.
Now she closed her account and has received a cheque for the outstanding £60 and got a letter stating that the account has been closed (This was in Jan 2013).
Now in (End March 2013) she has received a statement with the balance that was clear which was about £1000ish.
She rang NatWest to ask about this and natwest have told her she needs to pay this plus interest and late fee charges :mad:
I think this is shocking 2 months later down the line to ask for this after sending out a letter to say the card has been closed and ask to distroy the card and not use it any more, even the people she spoke to at natwest said it was natwest mistake.

My question is should you pay this or seek legal help??

Hope some nice people can help me???

aleph_0

So, if I'm understanding correctly, her card was used fraudulently on a gambling site. Natwest (correctly) reversed the fraudulent transactions, but (incorrectly*) reversed about £1,000 of your wife's non-fraudulent transactions?

After investigation, they've reinstated the non-fraudulent transactions, and are now asking you to pay for them.

In which case, you should pay. Ideally, you could have pointed out their misunderstanding in reversing the non-fraudulent transactions at the time. You've taken out the debt, had the goods/items, so why shouldn't you pay for them?

bengal-stripe

jerhams wrote: »

NatWest even clear the money owing that she used herself which was just over a £1000 or so, And this left her account in credit by about £60 odd pound.

So, NatWest made an error in your wife's advantage

jerhams wrote: »

Now she closed her account and has received a cheque for the outstanding £60 and got a letter stating that the account has been closed (This was in Jan 2013).

She's made a runner, hoping the error was never to be found out.

jerhams wrote: »

Now in (End March 2013) she has received a statement with the balance that was clear which was about £1000ish.

But, as should be, the mistake was discovered and the bank wants your wife's ill-gotten gains back.

How dare they!!!:D

jerhams wrote: »

I think this is shocking........My question is should you pay this or seek legal help??

I presume your whole post is an April-Fools-Day joke (just a few hours too late).

zerog

jerhams wrote: »

My question is should you pay this or seek legal help??

I guess you can pay NatWest, or you can pay a lawyer and Natwest... your choice

dalesrider

jerhams wrote: »

Hello to all the wonderful people at MoneySavingExpert.com,

I just wanted to ask a quick question on fraud on my wifes credit card which has been going on for over 2 month's.

She rang NatWest to ask about this and natwest have told her she needs to pay this plus interest and late fee charges :mad:
I think this is shocking 2 months later down the line to ask for this after sending out a letter to say the card has been closed and ask to distroy the card and not use it any more, even the people she spoke to at natwest said it was natwest mistake.

My question is should you pay this or seek legal help??

Hope some nice people can help me???

Suprised they would close a account just after fraud. As the retailer has 45 days to contest the fraud.
As such we never close any account till it is 100% sure that there is no comeback.

But given that NO CREDIT CARD is ever closed fully. Any retailer can reopen it by processing a payment and you will have to pay.

Given that in some way this is a NW error. I would only pay the true outstanding balance for the transactions and not any interest or late fee's.
NW should waive these. If you went to FOS on this. You would have to pay the balance owed for the spending, but not the fee's. Due to the banks error.