Fraud Issue

jay-jay

Apologies in advance if this is in the wrong section as I wasn't sure where to put it, please move if required, thank you

I have an issue with my bank regarding fraud. £650 was taken from my account and replaced a few days later by my bank whilst the fraud team investigated.

My husband and I thought case closed because we knew we had nothing to do with the transaction.

However this month they have completely wiped us out and left us with no money by retaking the money because apparently they believe this wasn't fraudently taken.

Im beside myself with worry, and have not received any letter to warn us they were taking the money - if they had I would have telephoned back immediately to sort it out not wait till the money had been taken.

I keep asking what the transaction was for but have not received any clear answer and still none the wiser, they keep skirting the issue completely.

I have been advised to send a letter of dispute but this could take over a week and we have literally no money to buy basics etc.

They say the company taking the money has said we authorised this transaction so therefore we are automatically lying then?

Our account is managed well and we never take large amounts out of the bank apart from to pay for a holiday. We are not big spenders at all so it should have rang alarm bells at the bank straightaway.

Do you think the bank are trying to shirk responsibility. I have no idea how to go on from here as the bank seem very reluctant to give me information.

Please can someone help, I am so upset and not sure of the best cause of action.

Thank you if you got this far.

Jay

gb12345

It sounds like the merchant has provided the bank with "proof" that this transaction was not fraudulent.

Do you know who the company involved are?

Is there any possibility it could be a valid transaction, but the details given on your statement don't match up with what you were expecting.

You don't say who at the bank you have been communicating with since the money was redebited - the best people would be the fraud department, who would have investigated the original transaction and then if that gets you nowhere their complaints department (don't bother with your branch or the normal call-centre they won't have a clue what is going on).

jay-jay

Further developments. The bank wont pay money back because It seems the order has been delivered to my home address which certainly isn't the case. Im worried that my post has been intercepted before it got to me with person knowing fully well what it is because they have ordered it using my details. I am contacting police tomorrow and going to see a solicitor in the morning to see what my chances are of recovery any money. Ive been communicating with Fraud Department but to be honest are pants and don't seem very informed all they seem interested in is order has been "delivered" I have contacted the company and asked for evidence to support my claim ie Signature when receiving goods (whatever they may be as I still don't know and neither do Fraud which seems very odd) and exactly what Ive ordered. It a promotional site so may include photographs that might point me in the right direction. The main thing that worries me is the company is Australian. Does this mean I cant take court action?

jay-jay

Please can this be moved to credit card board as I think Ive put it in the wrong forum, Thanks

McKneff

So what was the company called then. You still haven't said.

jay-jay

I have discovered the email account that the transaction was used with and with abit of research have tracked the culprit down a 23 year old lad with his own website in America

Am I likely to have lost this money, I have contacted the police and am appealing banks decision.

If any one has experience this type of fraud before I would really appreciate it.

I would rather not say who the company is as it might come up in a google search and wouldn't want to give them any information.

gb12345

jay-jay wrote: »

I have discovered the email account that the transaction was used with and with abit of research have tracked the culprit down a 23 year old lad with his own website in America

This doesn't tie up with the information that you had earlier that the item was delivered to your home address. How would some kid in the states get hold of an item destined for your address?

roonaldo

so a 23 year old boy in America ordered something from Australia paid by you to be delivered to you, only it wasn't delivered. so not only does this 23 year old have your card details he knows your address and has intercepted post? then the bank finds no evidence fraud.

is there more to this story you're not telling us?

Annouck

Hi jay-jay. I'd be very surprised if the email address did belong to a 23 year old lad with his own website in America... I think that is possibly part of the whole scam. You do need to know who the merchant is for sure in order that you can find out what was delivered, how and possibly ask for proof of delivery. A signature on there should surely not match your own. Whether you can get any of this accepted is another matter, but the more proof you have the better in order that you can take your case further if repayment is denied. I feel your pain, I'm in a similar situation at the moment which lead me to your thread. I dread to think what may happen next.

jay-jay

Thank you for all your replies im really unsure whats happened at the minute but im really angry at how unhelpful my bank have been so ive contacted the financial ombudsmen . This is currently being investigated by international fraud. It seems paypal was used but paypal say they dont have the email address on their database. Think they have been very clever. Makes me really nervous at how clever these people are getting and I definately will only be using my cc in future

Blackpool_Saver

jay-jay wrote: »

I have discovered the email account that the transaction was used with and with abit of research have tracked the culprit down a 23 year old lad with his own website in America

How could there be an email it was used with if you didn't order anything? have you given out your details on a site or over the phone?