Rbs fraud team

mummy_jonno

Hi I'm wondering if someone could give me some advice.

I have recently got a joint account or rather been added as a second party on my husbands bank account. He is notoriously relaxed and almost never checks his bank account statements (online)

I transferred about £800 from my old Natwest account into his rbs prior to closing it and that was that. Well when I went to withdraw money there wasn't anything there. It turns out 1 company took a payment of £85 and another of £40. I then asked him to go through his statements to find out if there were any more transitions like these so we could report them at the same time.

He's come up with 27 over the past 12 months all for £29.99. He calls to report them and they tell him there are more he just can't see them because his online banking doesn't go back that far!

They've asked he go to the bank, have them print out all statements and highlight the transaction and post it to an address in Scotland to what they call the complex fraud team.

Surely something is wrong here besides the obvious? I had fraud on my Natwest account and they dealt with it over the phone (this was many more transactions than his) and had me refunded within 24 hours.

Does anyone have any ideas, as obviously it being Christmas this money certainly wouldn't be a bad thing. I was simply under the impression the bank had to refund you if they were satisfied that your passport, bank card ect hadn't been compromised or stolen.

Thanks in advance

cifpower

He probably signed up to a free trial of some sort and didn't read the T&C fully enough and failed to untick a box resulting in an ongoing membership of some kind. What is the name of the company taking these £29.99 debits?

mummy_jonno

There are 4 different companies (don't have them to hand this second) however according to the bank it seems to be the same company and it simply keeps changing its name! Will get back to you with the names.

I automatically assumed it was something he had done however the bank states it began when he went to Afghanistan and he didn't even have his card with him it was here :-/ x

mummy_jonno

Ok all for of them are for web hosting. They are all the same company however change the name of which they withdraw under

jonesMUFCforever

..........So they will investigate and refund BUT it is not the bank's fault that your husband did not check his statements.
What he has done is bordering on negligent - IMO he should be refunded only payments in last 3 months ( reasonable timescale to look back at statements).
I assume had some means at looking at statements like a phone/computer when he was away?
Normal fraud is quickly resolved and refunded - does this sound like fraud to you or something he signed up for and forgot to cancel?

Wilkins

mummy_jonno wrote: »

I have recently got a joint account or rather been added as a second party on my husbands bank account. He is notoriously relaxed and almost never checks his bank account statements (online)

Surely something is wrong here besides the obvious?

Indeed. Are you sure that having a joint account is a good idea?

pmduk

jonesMUFCforever wrote: »

What he has done is bordering on negligent - IMO he should be refunded only payments in last 3 months ( reasonable timescale to look back at statements).

Whilst there is an argument for limiting liability, I'd argue that 3 months is far too short a period, particularly as some banks are only sending statements at a default period of three months.

Mulder00

He would have to let the bank investigate this further, I doubt they will just refund the money over the phone as it's been going on for so long. Seeing as you know that this money is for web hosting, is it something he signed up for or not?

mummy_jonno

Hi everyone sorry for the delayed reply.

While he was away his means for internet weren't even close to good. At that point I wasn't on his account. Every time his internet was decent enough to log in rbs logged him out because he had signed in from Afghanistan and blocked his card. Then he had to go to the trouble of finding a half decent phone with connection to unblock it.

Anywho we've now had movement. Apparently the reason they couldn't set the case up via phone was because the fraud team were having issues with their system and could only see 1 month back (they didn't explain this to him) although I called yesterday to give it one last go before he went into branch and they did it over the phone. So most has now been refunded and the remainder they have stated will be refunded within a reasonable timeframe whatever that counts as. (The latter being for the oldest transactions)

Sharing a bank account probably not the best idea with this going on however we've been assured that they will block any more payments this company attempts to take and I am far more anal about my account than he is so it will be in check from now on.

Thanks for your replies x