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Help please!!! transferred £300 into the wrong account.
Comments
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BlindLeadingTheBlind wrote: »Unfortunately, his email account had been compromised and a fraudster had replaced the sort code and account number with his own.
At this point, by the way, I've stopped believing you. Do you think that this "fraudster" is regularly going through millions of emails, looking for once giving people payment instructions, and then popping in and replacing them with their own?
Troll.0 -
Blaming the bank when you use an incorrect sort code and account number when you want to pay Mr. X is a bit like blaming your phone company when you dial an incorrect number when you want to call Mr. X.
It is your, and only your, responsibility to make sure you use the right numbers - and yes, I have once sent money to a wrong set of numbers myself. But it was my fault that I did that, not the bank's.0 -
That sounds unbelievably elaborate!.. how a fraudster would intercept the mail he sent to you , replacing with his own is a little far fetched.
As a new user to this forum apparently I can't include links in my posts but if you google Scammed Tourists Begin Class Action I'm sure you'll find a little light reading on the scam.0 -
Sorry to hear your bank aren't being much help.
My experience of this was with Smile (Co-op). I log in and check my acount most mornings & noticed someone had transferred in £200 one day. As I was going out I didn't really have time to look into it, but within an hour the bank had called me, explained that someone had mistyped the sort code, and asked for the authority to pass the money to the correct recipient. I said yes & it was dealt with there and then.
Some banks can be helpful when mistakes occur:) so I'd go back and pester Santander.10lb to lose & keep off in 20204.5lb/10lb:rotfl:0 -
BlindLeadingTheBlind wrote: »As a new user to this forum apparently I can't include links in my posts but if you google Scammed Tourists Begin Class Action I'm sure you'll find a little light reading on the scam.
Nothing new in criminals trying to con people. Responsibility lies with people to double check or be certain before parting with any money.0 -
At this point, by the way, I've stopped believing you. Do you think that this "fraudster" is regularly going through millions of emails, looking for once giving people payment instructions, and then popping in and replacing them with their own?
Troll.
That and I don't know of any email service which lets you edit emails you've received.urs sinserly,
~~joosy jeezus~~0 -
Archi_Bald wrote: »Blaming the bank when you use an incorrect sort code and account number when you want to pay Mr. X is a bit like blaming your phone company when you dial an incorrect number when you want to call Mr. X.
It is your, and only your, responsibility to make sure you use the right numbers - and yes, I have once sent money to a wrong set of numbers myself. But it was my fault that I did that, not the bank's.
What a wonderful world you want to live in.
In any case, this sort of issue is indeed the fault of the banks, because if the system were properly designed, it would be much harder to make this kind of mistake.
For instance, if account numbers were 10 digits instead of 8, that could multiply by 100 the odds against hitting a valid account number by accident. Make it 12 digits and you multiply by 10,000.
For another thing, even with only 8 digits, banks could have used the space much more intelligently. Some banks incorporate checksums, others don't, Why not?
If you can change 585 to 858 and get a valid number, this suggests that the bank in question doesn't have even the simplest precautions - even though a lot of keying errors are made by tellers rather than customers. Basic incompetence."It will take, five, 10, 15 years to get back to where we need to be. But it's no longer the individual banks that are in the wrong, it's the banking industry as a whole." - Steven Cooper, head of personal and business banking at Barclays, talking to Martin Lewis0 -
JuicyJesus wrote: »That and I don't know of any email service which lets you edit emails you've received.
He just said the payee's e-mail account was compromised and the sort code and account number replaced.
That could have meant amending a draft e-mail that contained account details, or a man in the middle attack, whereby the data would go through a third party and said third party would amend the data, before forwarding it onto the rightful recipient.
MITM attacks are common.
https://en.wikipedia.org/wiki/Man-in-the-middle_attack
"The man-in-the-middle attack (often abbreviated MITM, MitM, MIM, MiM, MITMA) in cryptography and computer security is a form of active eavesdropping in which the attacker makes independent connections with the victims and relays messages between them, making them believe that they are talking directly to each other over a private connection, when in fact the entire conversation is controlled by the attacker. The attacker must be able to intercept all messages going between the two victims and inject new ones, which is straightforward in many circumstances (for example, an attacker within reception range of an unencrypted Wi-Fi wireless access point, can insert himself as a man-in-the-middle)."What will your verse be?
R.I.P Robin Williams.0 -
For instance, if account numbers were 10 digits instead of 8, that could multiply by 100 the odds against hitting a valid account number by accident. Make it 12 digits and you multiply by 10,000.
And if my uncle had t*ts he'd be my aunt.
By increasing the length of the account number you also increase the complexity and the possibility things would go wrong or a number would be transcribed wrongly. You also have to reengineer everything; BACS systems, CHAPS systems, Direct Debit systems, Faster Payments, cheque clearings, internal bank systems, innumerable systems used by disparate private companies to hold bank details...
But should you really feel this is an issue, as opposed to part of your ongoing quest to make everything The Fault of the Banks somehow, I would invite you to travel back in time fifty years and speak to those who devised the sort code and account number format.For another thing, even with only 8 digits, banks could have used the space much more intelligently. Some banks incorporate checksums, others don't, Why not?
Because they don't? It would require virtually everyone's account to be renumbered for there to be a nationally agreed upon checksum. Pain in the a*se for all concerned, requires massive administrative overhead, frankly not justified. The whole banking system is built upon layers of older legacy systems topped off with newer ones. A mess, granted, but one that works perfectly well as it is.
However, there IS an account number scheme which includes this feature, and also doesn't need everyone's account to be renumbered - it's called the IBAN. Unfortunately it's also unwieldy, cumbersome and far less convenient overall than the sort code and account number, not to mention to make it a standard would completely upend a lot of things (see first section of my post re. systems that would need to change).If you can change 585 to 858 and get a valid number, this suggests that the bank in question doesn't have even the simplest precautions - even though a lot of keying errors are made by tellers rather than customers. Basic incompetence.
If you've keyed the wrong number into a screen which then gives you the opportunity to check and confirm that the information provided is correct, but you've then gone and sent it to the wrong account anyway without checking, whose fault is that? And that applies to bank staff as much as it does customers.
But then again, Everything Is The Fault Of The Banks Somehow in pqrdef land.urs sinserly,
~~joosy jeezus~~0 -
Simple solution to this problem: SEND A £1 TEST PAYMENT.
I know, I know. I'm a genius.What will your verse be?
R.I.P Robin Williams.0
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