BACS PAYMENT - Scammed and desperately need help!

meer53

JSPENCER wrote: »

So if I'd called them, and said £200 has left my account, via a bank transfer, and it 100% wasn't me that went onto my online banking and transferred it..?

They'd have no proof it was me that logged in and sent it, the only evidence suggesting it was me is the fact I've admitted to it, if I hadn't, I could have claimed otherwise..

Banks have access to IP addresses and can identify whether the address used to send the payment is one that you have used to log on previously, so i wouldn't even consider going down this path.

I've investigated this myself when dealing with fraud cases.

Paying by bank transfer gives you no protection at all. As Grumbler has already said, it's the equivalent of paying cash.

matttye

grumbler wrote: »

Giving a wrong information is even less helpful. Chargeback is in place for card payments only and is Visa/Mastercard/Amex procedure. This is the reason why fraudsters ask for bank transfers and other ways of payment where you get no protection from the bank - simply because your bank can't protect you.
OK, what they say is really a good reason for switching, not how they act. Especially when what they say is pretty much the same what the police is likely to say - that, unlike banks, exists for dealing with crime, including fraud.

And I do have an experience of dealing with police on a similar matter. My son was a victim of a similar e-bay fraud several years ago. The police was useless and even in their official reply simply washed their hands by saying that it was a civil matter. It's hardly a surprise that with such attitude this sort of fraud flourishes in UK.

I think I got so incensed by their inability to recognise it as a fraud that I forgot we were talking about a BACS transfer :rotfl:

Ignore me!

anna42hmr

matttye wrote: »

I think I got so incensed by their inability to recognise it as a fraud that I forgot we were talking about a BACS transfer :rotfl:

Ignore me!

I have a feeling that rather than the bank not recognising it as a fraud against the op. that it has been misunderstood or not explained fully by them to the op, that it was a type fraud that the bank is unable to deal with, and therefore not in the remit of the banks fraud team. I have no doubt however if asked, I am sure the bank would be able and willing to provide info for the op to provide to the police etc, ie dates, times, payment amount, account where it was paid to etc.

meer53

anna42hmr wrote: »

I have a feeling that rather than the bank not recognising it as a fraud against the op. that it has been misunderstood or not explained fully by them to the op, that it was a type fraud that the bank is unable to deal with, and therefore not in the remit of the banks fraud team. I have no doubt however if asked, I am sure the bank would be able and willing to provide info for the op to provide to the police etc, ie dates, times, payment amount, account where it was paid to etc.

The OP has all this information already. They sent the payment using the sellers account details.

jonesMUFCforever

OP Please stop whinging about your bank they have done nothing wrong - you have been scammed end of.
What to do now - go to the police and report it as fraud - give them the evidence that other people have been done this way and they should contact the bank to freeze the account. You will not get your money back as I can guarantee as soon as it hit the account it would have been withdrawn but at least it might stop someone else being ripped off.

JSPENCER

jonesMUFCforever wrote: »

OP Please stop whinging about your bank they have done nothing wrong - you have been scammed end of.
What to do now - go to the police and report it as fraud - give them the evidence that other people have been done this way and they should contact the bank to freeze the account. You will not get your money back as I can guarantee as soon as it hit the account it would have been withdrawn but at least it might stop someone else being ripped off.

At no point have I claimed they have done anything wrong? I fully accept what the process is, but having lost £200, I'm sure you can empathise and understand my frustration.

My problem with the bank is their customer service, as it's quite clearly 5h1t, and as stated a couple of times that is my area of expertise and I hate bad customer service. The misinformation with regards 'what to do next' is my other issue, 'ring your branch..' no help.. 'ring the fraud team again'.. no help.. etc. Both valid reasons to whinge in my opinion.

Just to re-iterate, I fully understand the process, and can accept the bank want nothing to do with it, I think they should be more helpful though, and it's their SERVICE that has made me choose to close my account, not the process, as I know this would have happened with any bank.

rb10 wrote: »

Remember that making a declaration of this sort to the bank is fraudulent in itself. Is this what you are suggesting?

I'm not suggesting doing it, I was speaking hypothetically.

agrinnall

Every bank would have treated you in the same way, so I'm not sure what you think your hissy fit is going to achieve other than a bit of hassle switching your account (although if you are clever about it you could move to an account that pays you for switching to them and maybe recoup a bit of the money you're thrown away).

Oh, and it's not a BACS payment.

spacey2012

About as Text book as a simple Scam gets.

dzug1

You seem to have found out who the recipient is - take them to court yourself?

DCFC79

Looks like Beyonce tickets are flavout of the month going by this other thread