Fraud Issue with Halifax & Wonga

oriel147

In order to clarify.
When I was ordered to leave the branch.....(and I quote from the staff member involved)
"We want to go home now, so get the call transferred to a mobile or something, otherwise I'll have the alarms going off"

For my part, I didn't actually say anything to him prior or following his interruption to my conversation with the Fraud Team. I apologised to the person on the telephone, got up and left. I never spoke. Probably through sheer shock of his behaviour towards a customer.

grumbler

Why was the transaction not reversed immediately when you told them that you have not authorised it? Have they accused you of lying?

And what was the OFCOM's response when you complained?

opinions4u

oriel147 wrote: »

I am quite disturbed by your assumption of my behaviour. I was sat, quietly, in a private room trying to resolve my problem. The door was closed, no raised voices, no rude behaviour, no arguing, apart from the staff.

Please don't judge a complete stranger based on how you think people behave.

I will take your silence as an apology.

No need for silence.

You're withholding information relevant to your question.

SnowTiger

oriel147 wrote: »

I have since tried, very unsuccessfully to resolve the issue with both the Halifax and The FS ombudsman (I even involved the Fraud Squad!) Still no money back and no apology, compensation, explanation, nothing. Nothing at all.

Just to clarify: you've taken this to the FOS, they've looked at the case and found against you?

That's very odd. Like many others here, I've been the victim of fraud. Twice! Getting my money back was extremely easy: a phone call to my bank, money returned, then filled in a form and sent it back to them.

Presumably before you took your case to the FOS you received a letter of deadlock. What does it say? In such cases, i think the bank outlines why they believe the transaction is not fraudulent.

JuicyJesus

I'd also be interested to see what the FOS' response is. For them to have found against you would imply that either there was specific and convincing evidence to say that you authorised the transaction yourself, or that the balance of probabilities swung massively against you.

oriel147

opinions4u wrote: »

No need for silence.

You're withholding information relevant to your question.

I'm not withholding anything other than what I considered irrelevant or inappropriate in a public forum. Yourself on the other hand don't appear to have the ability to withhold or supress your rudeness.

Had you asked about my unfortunate "dismissal" from the branch I probably would have shared it.

Being told to leave the branch, by someone who I hadn't actually dealt with at all on the matter in hand, purely on the basis that "I want to go home" was as ill mannered as your assumption and subsequent comment.

Clearly you have no practical advice to offer, so please, can you just refrain?

I have not detailed the entire issue here, on the basis that I assume people with prior knowledge and understanding of the processes involved may be able to shed some light on the subject. Your ridiculous assumptions of my behaviour demonstrate no credibility.

I might suggest you just stick to commenting on your friends Facebook posts and leave the serious matters to the adults.

JuicyJesus

oriel147 wrote: »

Being told to leave the branch, by someone who I hadn't actually dealt with at all on the matter in hand, purely on the basis that "I want to go home" was as ill mannered as your assumption and subsequent comment.

Ah. What I infer from this is:

• You were sitting in an office in the branch on the phone.
• The branch had by this point closed.
• The staff members were waiting for you to leave before they could, most likely unpaid.
• It got to a point where they lost their patience because they'd waited long enough for you.

Am I correct on at least three of those bullet points? If so, that seems reasonable. You presumably have a telephone at home you can use. There is no valid reason why they should wait around for you, especially since you admit yourself they themselves have nothing to do with it. It is UNreasonable to expect them to do so.

Again, have the FOS actually responded to your complaint and what did they say? When you received your deadlock letter from Halifax, what did it say? We cannot give ANY valid advice until you tell us this.

opinions4u

oriel147 wrote: »

Clearly you have no practical advice to offer, so please, can you just refrain?

I offered advice to try again.

I have not detailed the entire issue here, on the basis that I assume people with prior knowledge and understanding of the processes involved may be able to shed some light on the subject. Your ridiculous assumptions of my behaviour demonstrate no credibility.

It was a reasonable conclusion to draw.

Why are you reluctant to explain why both Halifax and the FOS won't side with you?

innovate

oriel147 wrote: »

Yes. All of the above.

So none of the bank, the FOS or the Police felt you had a case. Presumably all three of them had a lot more detail about the case than we have on this forum.

It seems you have exhausted all the avenues that any forumite would normally suggest, and frankly, your chances of finding anyone who will rule in your favour are next to nil. If you feel you have been treated unjustly, you could, at your own cost, take the matter to the small claims court.

fozmcfc

There is quite a large thread, where others have also suffered fraud from Wonga.

https://forums.moneysavingexpert.com/discussion/3796941