Loan Fraud

8teen88

pvt wrote: »

The bank's default position will be to claim she took out the loan and made the payment from her account. So she needs to needs to be very clear and firm with them in denying she did so.

Up the ante by making a formal complaint to the bank, and demanding they treat it as fraud and refund the money.

It may also be worth asking the bank to set a CIFAS category 2 marker against her name. This is "victim of ID fraud" and has no negative connotations for her CRA file, however will show the bank her resolve in insisting the matter is fraud. Make sure it is category 2 and ONLY category 2.

Also ask the bank what reason was given for the re-issue of the debit card? ie, was it out of date, reported lost/stolen, or reported as faulty? I cannot see the logic of the fraudster making the new card request if it was not requested to a new address or they intended to intercept it before she got it.

The bank probably know it is fraud, but will probably be looking to her to protest loudly before they'll cave in. At the end of the day, it is for them to prove SHE made these transactions.

Thanks for this reply. I'll do that.

The only thing that they say about her is that it was done via online banking but they can't tell me the IP address that was used to login as it was from a BT hotspot. The money has went into a Barclays account so they know where their money is.

Finding the energy to fight the bank is the hardest thing at the moment. The encouraging replies from this forum are really helping.

Thanks!!!

I will keep this thread updated as I'm sure we're not the first to be done like this and I doubt we will be the last.

8teen88

Pixie5740 wrote: »

If your girlfriend hasn't do so already she needs to change her online banking passwords. She should also get her statutory credit reports from the 3 referencing agencies; Experian, Equifax and Call Credit to see if any other lines of credit have been opened in her name which she didn't do herself.

Your GF should also open a bank account somewhere else in case BoS take money from her current account to repay the loan, and because of their crap customer service they do no deserve your GF's business.

She can't change her online banking details as she hasn't used it since the start of last year. The bank have frozen her accounts but took money from her to pay the loan but have put it into overdraft and are now charging her every month. She has complained to the local branch this week only to be told they can't do anything at all.

I'm honestly sick of BoS and the lack of help they have offered throughout this whole thing. I'm currently in the middle of switching banks because of this mess.

Pixie5740

8teen88 wrote: »

She can't change her online banking details as she hasn't used it since the start of last year.

It doesn't matter when she last used it. She should still be able to log in or reset her password if necessary.

8teen88 wrote: »

The bank have frozen her accounts but took money from her to pay the loan but have put it into overdraft and are now charging her every month. She has complained to the local branch this week only to be told they can't do anything at all.

Chase up Action Fraud to find out what they're doing to help get this resolved.

8teen88 wrote: »

I'm honestly sick of BoS and the lack of help they have offered throughout this whole thing. I'm currently in the middle of switching banks because of this mess.

Good.