Halifax Clarity fraudulent transaction

guesswho2000

Just logged into Halifax online banking and was surprised to see a balance on my Clarity card, which I haven't used since the end of July.

One transaction for approx £200 at Bangkok Bank (approx 10,000 THB, so I assume a cash withdrawal.

Called Halifax who confirmed the account had been flagged by fraud and stopped, but I can't do anything else until tomorrow (understandably, it is Sunday I guess!).

I can't find any info on their website, but what happens from here? Will the money be refunded? I assume the card was cloned, but not idea where (I only use the card abroad, but have been in many countries, although not Thailand since last October).

Just looking for a bit of info, I know there's nothing I can do until tomorrow, but it'd be nice to find out any others' experiences!

Probi

I had a similar thing happen on my clarity card, Halifax were great and refunded the money within a couple of days.

They send out a letter to say that it will be fully investigated and if it's found to not be fraud then they will take the money back.

From what you've said you should have no problems, they will refund the money onto the card and that will be it.

guesswho2000

Thanks, that's good to know, puts my mind at ease!

Bit of a pain, since I'll be needing it again soon, but I've got other cards I suppose, not the end of the world!

rb10

Probi wrote: »

I had a similar thing happen on my clarity card, Halifax were great and refunded the money within a couple of days.

They send out a letter to say that it will be fully investigated and if it's found to not be fraud then they will take the money back.

From what you've said you should have no problems, they will refund the money onto the card and that will be it.

I had an experience just like this with Halifax. No complaints, they made it very easy.

jonesMUFCforever

I agree with other posters but it is likely that they will only return the currency amount not the sterling - normally a nice phone call to them will do the trick but they are not under any legal obligation to to so.
When you undertake a transaction in any other currency that sterling you take the exchange rate risk.

guesswho2000

Update, in case anyone's interested - Halifax were great, card was stopped, as expected, and the transaction cleared in full. New account has appeared in online banking, not rec'd the card yet, but all in all a good experience.

This was the second in my banking history I've had my card compromised in that way, the first being NatWest, who were equally good, but that was a debit card, which is the reason I never use debit cards now - I was left without my current account after that one, and it was my cash that was ripped off!

beardiedog

I had three fraudulent transactions on my Halifax cashback credit card. I rang the fraud department and they said they would cancel the card and transfer the balance minus the fraudulent ones to a new card.

A few days later the old account cleared on my online banking and the new one raised but with all the transactions being transferred across. Rang again, different person, and was told that they won't remove them until it has been fully investigated.

Who is it right here? So much for their online guarantee. I'm now paying interest on these transactions.

zagfles

beardiedog wrote: »

I had three fraudulent transactions on my Halifax cashback credit card. I rang the fraud department and they said they would cancel the card and transfer the balance minus the fraudulent ones to a new card.

A few days later the old account cleared on my online banking and the new one raised but with all the transactions being transferred across. Rang again, different person, and was told that they won't remove them until it has been fully investigated.

Who is it right here? So much for their online guarantee. I'm now paying interest on these transactions.

You shouldn't be paying interest on the transactions if they have been reported fraudulent. When it happened to me the amounts stayed on the statements for a few months but no interest was charged on them.

beardiedog

Thanks, I'll check that.

guesswho2000

With mine, the old account and it's transactions disappeared; couple of days later the new account appeared with no transactions, this is how it's stayed (I only use it abroad, there was only the one fraudulent transaction on there).

Yesterday I received the form from them to fill in and sign in accordance with the proceeds of crime malarkey, which required me to confirm which transactions were fraud, which I signed and sent back today.

On said form it stated that if the form wasn't returned then the transactions would be readded to the account and I'd be charged accordingly, which is fair enough.

beardiedog

What was the timeframe in your case?

It's been a few weeks now and nothing's happened yet. The transactions are still there and I've had no communication from them at all.