Fraud Issue with Halifax & Wonga

opinions4u

innovate wrote: »

The only salvo we didn't get so far from oriel147 is "bet you are working for the bank!".

I'm not. But I used to and still know a few people who do.

I have been known to help posters with useful (and current) contact names to help them bypass some of the bureaucracy that exists.

But I'm not going to commit my contacts' time when there's nothing to suggest this can't be resolved by normal contact with the bank or somebody has already involved solicitors.

JuicyJesus

I like this idea that bank staff should all wait around unpaid for something they have no input in whatsoever so that he can use a telephone as a matter of "service".

No. That's stupid. Indeed, they may not actually be able to do so, their own security guidelines might prevent them from doing so (I don't know, I don't work for Halifax.)

But that's by the by. As he won't actually tell us what the bank and FOS said, and since we've already established that they have ruled against him leaving the only option for any redress as the courts, that should pretty much be the end of it. Thread is pointless. End of.

John1993_2

oriel147 wrote: »

I will take your silence as an apology.

And I'll take such a post from you as evidence that you have an attitude problem, which suggests that there's more to this than you are letting on.

I'll take any reply you make as proof of this.

nwc389

In straightforward genuine fraud cases the customer is dealt with on the phone either at home or on a phone at their branch. The customer is refunded within1 working day , however they do need to ensure that they sign a declaration which is posted to their house.
A lot of customers come in with complaints about payday lenders who mysteriously debit their accounts and search for a loan companies that take a fee from their card and 99.9% of these customers all insist that they have neve rever ever taken out a payday loan and no they have never ever ever searched for a loan on the internet even though it can often be seen on their account transactions that this is the case
These calls often tie up our phone for hours and end in the customer screaming abuse at us after they have slammed the phone down .
Oh and bank staff are entitled to go home when they are no longer being paid

DragonQ

oriel147 wrote: »

Hello.
I'm new to this forum, so hope I don't bore or annoy anyone, but I am in a pretty desperate situation.

In February, Wonga took close to £400 from my bank account. I don't and never have had an account with them.

When I called them to try and resolve it, I was met with "You're not a customer of ours. We have nothing to discuss".

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.

Anyone willing to offer some advice or suggestions as to where this goes next?

I am running up massive telephone and overdraft charges and have been since February trying to get this issue dealt with.

If even the police won't act, then what can I do?

Well that is strange. I had a similar issue - Wonga took several hundred pounds from my credit card. They were adamant that Wonga doesn't ever take money from credit cards, but I assured them they did.

Initially Lloyds TSB didn't want to know but after I called the police, they explained how the process works and that banks are supposed to refund the money and deal with it themselves. So I eventually got Lloyds TSB to refund me the money, plus some compensation for not doing what they were supposed to and wasting my time.

On a separate occasion, a similar thing happened with one of my debit cards and that time the bank dealt with it properly from the beginning.

Didn't lose any money in the end.

pmduk

We've still had no evidence that a formal complaint has been made either to Halifax or FOS. I suspect the OP has thrown his toys out of the pram at the first opportunity, the FOS denial could be them telling him to go through the bank first. Several of us have tried to help, if the response we've got is indicative of the way he's dealt with this it probably explains the problems he's had . Having said this there are definitely shortcomings with Wonga's application process, which hopefully the OFT will soon address.

YorkshireBoy

oriel147 wrote: »

Hello.
I'm new to this forum, so hope I don't bore or annoy anyone

Nice opening statement.

On Friday at 5.20pm...

I am in a pretty desperate situation.

I am running up massive telephone and overdraft charges and have been since February trying to get this issue dealt with.

Then on Sunday around noon...

I now have a solicitor dealing with the bank, the police and the ombudsman.

Yeah right!

Why is it these newbie posters don't have [STRIKE]a pot to pi[/STRIKE] two pennies to rub together one minute...and the next they've instructed solicitors?...and on a weekend too.

pmduk

The way we've been drip fed information all the way through I'm convinced that this is a troll.

ColdIron

Seems very similar to rayjay01
https://forums.moneysavingexpert.com/discussion/4595389

DCFC79

Im wondering whether the OP, solicitor, the bank, the police and the ombudsman live in a world where communication is done by string and paper cups. Started in Feb and should have taken a week at most Id say to sorrt out.