Help and advice needed

alanq

sunflower wrote: »

i didnt think they did?

the way i read it was - he became overdrawn by fraudulent transactions?

I wasn't referring to an account with an approved overdraft I was referring to an account that allowed spending of funds beyond the balance of the account. Shouldn't a card for a minor have been set up for pre-authorised transactions only?

JuicyJesus

alanq wrote: »

I wasn't referring to an account with an approved overdraft I was referring to an account that allowed spending of funds beyond the balance of the account. Shouldn't a card for a minor have been set up for pre-authorised transactions only?

The way it reads is this:

1. Someone paid in a fraudulent/stolen cheque.
2. Someone then withdrew the proceeds.
3. The fraudulent/stolen cheque bounced, leaving the account overdrawn.

It's a very common fraud. Depressingly so. Isn't it great cheques are still around?

The issue the OP has is with proving that he/she neither paid in nor had any involvement with paying in the fraudulent cheque or spending the proceeds, or authorised anyone else to do so. The Financial Ombudsman Service have had ombudsmen rule on a number of complaints regarding this scenario against the customer, as the transactions were PIN authorised and the original card was used (chip and PIN cards cannot currently feasibly be cloned, despite scaremongering reports - the magstripe can), and PINs, sort codes and account numbers which match those cards don't come from nowhere. They would also have to explain how the original card was used in the transactions when it was apparently also overseas.

I am not implying anything about the OP's integrity with this. This is a general overview of how this probably happened. If they wish to pursue it, the only way they can is a formal written complaint to Barclays with escalation to the FOS. But they should be aware that, as noted, the balance of probabilities is very much against them from the outset.

That said, I disagree with o4u that paying off the debit balance would have anything to do with it. I'd consider that irrelevant. If anything it would go in the OP's favour since a fraudster would have just left the account overdrawn.

Archi_Bald

This one reminds me of a similar thread involving "petrol station fraud", where the uncle of an underaged one presented the case. The bank was HSBC then, it is Barclays in this thread. And it's not the uncle, but the nephew who reports it. But other than that, there are so many parallels.

https://forums.moneysavingexpert.com/discussion/4036943

We never had an update on that thread since back in February, so the conclusion, if there is any, is anybody's guess.

I'll leave it to the OP to provide evidence that their case is not the same sort of issue.

pmduk

Thanks, I spent ages looking for that thread, I had an intense feeling of deja vu when reading the OP.

pmduk

JuicyJesus wrote: »

That said, I disagree with o4u that paying off the debit balance would have anything to do with it. I'd consider that irrelevant. If anything it would go in the OP's favour since a fraudster would have just left the account overdrawn.

I suspect that the bank would consider that continuing to use the account, ignoring the fraudulent aspects construes admission of involvement. No offence to the OP but there's a paucity of facts in the story. If promised fraud forms don't arrive pdq, they shouldn't ever be ignored.

DCFC79

alanq wrote: »

I don't understand how a 15-year-old was given an account with an overdraft facility in the first place.

The OP says they are 17

pmduk

DCFC79 wrote: »

The OP says they are 17

Yes, but is referring to events 2 years previously.

gb12345

vaziii wrote: »

Hi

This is my first time posting on this forums since i need advice over this situation.

I am 17 years old and used to bank with Barclays about two years ago, then whilst I was on holiday abroad I had my debit card with me but I didnt use it, but I received letters saying I had gone overdrawn at a petrol station even though I had my debit card in my possession. Also for some reason checking my statements there was a bank giro credit paid into my account and withdrawn in Ilford, but I live an hour away from there, leaving me baffled.

I immediately called barclays to block my card as stolen, and they sent me a new card but didn't send any forms about the fraudulent transactions, so I was overdrawn for about £80 which I paid off and then for some reason when I wanted to use my card at the ATM it swallowed it, and thats when I was told by the staff at the branch that the account was closed.

Upon my frustration I asked them why, they wouldn't give me any reason and they said I cannot bank with them anymore (after they had been on the phone to another Barclays staff somewhere) and that it is a serious issue. I complained and received a final response letter stating that my account doesn't meet their criteria and that there were fraudulent funds deposited in my account, but I am held liable for it even though I had my debit card with me at the time??

Now I applied at Santander for a 16-19 account - declined; Natwest for an Adapt account - declined; Halifax - declined, with no reason for their decline, just saying I didn't pass their checks. So now I am being declined from most banks and I can't even get an account! Can you please advise me over this, thanks.

I'd agree that the OP has made himself guilty by his lack of action and ended up with a CIFAS marked on his file.

He'll have no chance of getting any form of financial product while that it on there.