Fraud too long ago for bank to take action

jjeff

Almost 2 years ago the day, Barclays fraud dept called me to query a transaction on my account - for just over £4000. They asked me if it was fraudulent, which it was, and said they would look into it. I heard no more about it. I have been going through my statements to reclaim bank charges, and came across this transaction.

The £4000 was deducted from my account and never refunded. I had assumed, wrongly, that the phone call would be the start of the investigation, and that was the end of my involvement. They claim that a form was sent to me and as I did not fill it in and return it, they assumed it was legit, so passed the payment.

For whatever reason, I have only just realised that the money was deducted from my account, and they say that as it was over a year ago they will do nothing about it.

I do not remember signing anything that said theft of my money was allowed as long as I did not notice within a year. Anyone got any suggestions? Am considering getting legal advice, but don't know where to start?

Compound_2

I think they're trying to fob you off by saying it's too long ago. Legally, you have 6 years from the original date to reclaim. Follow through the official complaints procedure to the Financial Ombudsman.

jjeff

nice one - thanks for tip, that was just the sort of thing i hoped to hear!

i'll get on it, cheers mate!

MAGICIAN

Collate all the corespondence on this, plus your notes from phone calls and go to your local small claims court - as the claim (for that is what it is) is under £5000. Add interest to the claim! Forget the Ombudsman for this one....

bengal-stripe

I wish I had as much money as you obviously have. Just forgetting about small-change like 4000 quid.

Cool as a cucumber, aren’t you?

jjeff

what's a little suspect? i'm not making it up, and i'm certainly not proud of the fact that i was so !!!! with money left to me that it could happen...