3 very odd direct debits

chriswa1

dzug1 wrote: »

They don't know for certain that YOU are not complicit in the fraud. Therefore they will not discuss it with you

But there has been no loss or gain, so I couldn't be complicit. They are not prevented from investigating my actions or telling me that they are. I expect them to investigate anyone who could be at fault.

anna42hmr

chriswa1 wrote: »

But there has been no loss or gain, so I couldn't be complicit. They are not prevented from investigating my actions or telling me that they are. I expect them to investigate anyone who could be at fault.

Ok put it another way what if they told you who it was they suspected and it turns out to be someone you know ie relative, neighbour, friend, colleague, someone you employed to do work in your home and you confronted them or tipped them off you had found out, you could risk any potential investigation the police, banks and the dd originator are doing!

VALC123

Very interested in this post as exactly the same thing happened to me. Moved last year and three DDs set up through AUDDIS in February this year. Only noticed when first DD taken by Royal Sun Alliance (which turned out to be for Homebase Pet Insurance). Bank did refund promptly and then after checking bank account daily two others were set up , both for magazine subscriptions. All these were set up for the road I used to live at but for random house numbers - all different.Mail redirection was in place and no mail was not delivered that we were expecting.
Like original poster I would like to know who did this. My husband is convinced that it must have come from a cashback site who have my bank details

mulronie

innovate wrote:

If you can you not get your head round the fact that they will not / are not allowed to tell you what they are investigating or have investigated, and that you only have the right to your money back, I can't help you.

chriswa1 wrote: »

If you cannot or will not say why, then why should I believe you?

It's called Tipping Off. It's a criminal act as defined under the Proceeds of Crime Act 2002.

The Direct Debit guarantee indemnifies you as the consumer completely. Therefore, after the bank has refunded you, the matter is closed as far as you are concerned. Indeed, in any investigation, it can not be ruled out that the debited customer is not "in on it".

That's why no bank will keep you informed or in the loop as to how any investigation (if there is one) proceeds - not only are you no longer an interested party (as you have been completely indemnified), they could also be committing a serious offence under Anti-Money Laundering legislation.

chriswa1

anna42hmr wrote: »

Ok put it another way what if they told you who it was they suspected and it turns out to be someone you know ie relative, neighbour, friend, colleague, someone you employed to do work in your home and you confronted them or tipped them off you had found out, you could risk any potential investigation the police, banks and the dd originator are doing!

Thanks - that's completely understandable. I would expect them to tell me if a company had made an error and I would expect them to inform the police if there was fraud however.

chriswa1

VALC123 wrote: »

Very interested in this post as exactly the same thing happened to me. Moved last year and three DDs set up through AUDDIS in February this year. Only noticed when first DD taken by Royal Sun Alliance (which turned out to be for Homebase Pet Insurance). Bank did refund promptly and then after checking bank account daily two others were set up , both for magazine subscriptions. All these were set up for the road I used to live at but for random house numbers - all different.Mail redirection was in place and no mail was not delivered that we were expecting.
Like original poster I would like to know who did this. My husband is convinced that it must have come from a cashback site who have my bank details

That's very interesting! Would you be interested in discussing this matter further on a one to one basis? Would assist any investigation by a bank and also I could update the police, since I have a crime reference number. There is no way in the world that this is a coincidence!

chriswa1

mulronie wrote: »

It's called Tipping Off. It's a criminal act as defined under the Proceeds of Crime Act 2002.

The Direct Debit guarantee indemnifies you as the consumer completely. Therefore, after the bank has refunded you, the matter is closed as far as you are concerned. Indeed, in any investigation, it can not be ruled out that the debited customer is not "in on it".

That's why no bank will keep you informed or in the loop as to how any investigation (if there is one) proceeds - not only are you no longer an interested party (as you have been completely indemnified), they could also be committing a serious offence under Anti-Money Laundering legislation.

Thanks - my response is basically the same as that to anna42hmr - i.e. Thanks - that's completely understandable. I would expect them to tell me if a company had made an error and I would expect them to inform the police if there was fraud however.

VALC123

chriswa1 wrote: »

That's very interesting! Would you be interested in discussing this matter further on a one to one basis? Would assist any investigation by a bank and also I could update the police, since I have a crime reference number. There is no way in the world that this is a coincidence!

Have sent you private message