Unauthorized online transactions on my Barclay's account

grumbler

aabubaker wrote: »

whatever the outcome one thing is for sure I am done with Barclay and so wiil be my 70 plus extended family.

If this happened before your reported the card lost and if the PIN was used, I don't see anything to blame Barclays for.
And it will be a hard work to persuade all 70 to switch only because you weren't cautious enough with your card and the PIN.

It is odd that anyone who has your card and knows the PIN can login and transfer money to new payees, but I think it's the same for many other banks.
It's a common crime to overlook the PIN when you use your card in a shop or ATM and then to pickpocket it.

aabubaker

I had not realized the card was missing as I had no need to use it until I had to make a payment to the industrial designer. Mom is the one who pays for expenses with her own account so I had no need to use my account or card.

Anyhow hopefully I will get the information I have requested from Barclay to see where the payments were made form and to whom. Here is the thing the, I searched around and found on the bbc and thisismoney that according the banking code even if your card or pin was stolen your are still only liable for the first £50 as long as your are genuinely a victim of fraud.

grumbler

The information you requested can be meaningless. AFAIK, only police have powers to trace the address, but often it's impossible if a proxy website was used or an internet cafe.
The account owner is easier to trace, but this can be just another hacked account.

It's odd that the card wasn't used for cash withdrawals that are impossible to trace.

aabubaker

Guess I will have to file a case with the police then.

what is even odd is that the payments were made just days after I made a first agreed upon first payment to my designer it is even odder that ''at least to me'' that one of the payee for the transaction is the designer but he says that has not been credited for the money and has sent me a statement to prove it. any I want to ask the bank for a proof that the missing card was used along with the pin sentry.

If I can find the account owner and if it turns out to be hacked then the stolen money had to gone to another account, if that is the case then could that account be traced?

grumbler

aabubaker wrote: »

...it is even odder that ''at least to me'' that one of the payee for the transaction is the designer but he says that has not been credited for the money and has sent me a statement to prove it.

I think it is possible to change the payee's bank details while keeping the name. If the details are still the same as you used originally, it is possible that they were changed back later. Even if you see only the name in the statement, Barclays have full information for each transfer.

If I can find the account owner and if it turns out to be hacked then the stolen money had to gone to another account, if that is the case then could that account be traced?

You will never get this information because of the DPA issues.

aabubaker

grumbler wrote: »

I think it is possible to change the payee's bank details while keeping the name. If the details are still the same as you used originally, it is possible that they were changed back later. Even if you see only the name in the statement, Barclays have full information for each transfer.
You will never get this information because of the DPA issues.

Could you elaborate please? are you saying that the payee could have changed their details during receiving the payment or that the people who have made the payment may have used the payees name but someone else account?

what I still don't get is how could someone use my stolen card with a pin sentry unless they had stolen my pin number too. But i have never written my pin number down so how is that then possible.

That's a bummer that was one of the few ways I could prove this was fraud.

grumbler

aabubaker wrote: »

Could you elaborate please? are you saying that the payee could have changed their details during receiving the payment or that the people who have made the payment may have used the payees name but someone else account?

The latter.

what I still don't get is how could someone use my stolen card with a pin sentry unless they had stolen my pin number too.

As I said above often thieves overlook your PIN first, then steal the card.

Money-Saving-King

grumbler wrote: »

And it will be a hard work to persuade all 70 to switch only because you weren't cautious enough with your card and the PIN.

`

An empty threat by the op. No way will it actually happen and the bank will know this!

innovate

Money-Saving-King wrote: »

`

No way will it actually happen and the bank will know this!

Nor could they care less if it did happen. They couldn't care less about much larger and much more severe issues, such as the LIBOR scandal.

It is quite staggering though just how long they take over resolving the dispute one way or the other.

OP, did you ever raise a formal, written, complaint? If you haven't, may be you should, so you can take the case to the FOS if you are not satisfied with Barclays conclusions.

aabubaker

matters not whether they care or not, Fact is no one should be banking with these people. The guy on the pone yesterday simply refused to talk about the banking code.


to day I got a phone by a senior Manager from Jenkins's office in reply to an email I sent to Jenkins. He said, he will personally keep an on the case. Lets see what happens. I admit I was not expecting a reply this quickly so I have to give credit where it is due.


Reported the Fraud to the Police through the action fraud website.