Bank scam

101problems

Sounds like a cheque scam unfortunately your son is liable on multiple accounts.
Allowing his account to be used
Providing his pin (even under duress)
The best advice is to register cifas against your son before someone else puts a much nastier mark against him, the bank can and will hold him liable unless you can prove he is vulnerable but don't be surprised if the close his account and he will find it next to impossible to open any accounts for many years to come

Pace_maker

101problems wrote: »

Sounds like a cheque scam unfortunately your son is liable on multiple accounts.
Allowing his account to be used
Providing his pin (even under duress)
The best advice is to register cifas against your son before someone else puts a much nastier mark against him, the bank can and will hold him liable unless you can prove he is vulnerable but don't be surprised if the close his account and he will find it next to impossible to open any accounts for many years to come

His account has already been closed, what is the next step from here without the police.

grumbler

What do you want? By the look of things your son was involved in money laundering activity and has been rightfully blacklisted by his bank.
If in fact he was a victim, the police is the only instance that can clear him.

AFAIK, the CIFAS marker will last for 6 years.

GingerFurball_2

Pace_maker wrote: »

His account has already been closed, what is the next step from here without the police.

Why are you so desperate to avoid involving the police when a crime has been committed?

DCFC79

Pace_maker wrote: »

His account has already been closed, what is the next step from here without the police.

Stop delaying and get the police involved.

Pace_maker

grumbler wrote: »

What do you want? By the look of things your son was involved in money laundering activity and has been rightfully blacklisted by his bank.
If in fact he was a victim, the police is the only instance that can clear him.

AFAIK, the CIFAS marker will last for 6 years.

It's absolutley impossible that he was involved, how can he cash in a cheque for overseas, why was the money even cleared? This seems like an inside job and a gang operation.

DCFC79 wrote: »

Stop delaying and get the police involved.

That's easy for you to say, this person knows my address, so it's not only my son that's involved now it's the whole family. If it gets to court he'll have to testify. What happens if the guy gets a minimal sentence, then decides to take revenge? Or has accomplices? You never know how far a cornered rat is willing to go. Do you really want to take the risk and find out?

I'm not willing to put anyone's lives in danger and as such the police is not an option.

grumbler

Pace_maker wrote: »

It's absolutley impossible that he was involved,

It's just his word ATM.

how can he cash in a cheque for overseas,

By walking to a branch or asking someone to do this? And was it not a bank transfer in your first post?

why was the money even cleared?

For transfers it's cleared pretty much instantly.

This seems like an inside job and a gang operation.

I don't see anything yet that supports this theory. What you have said in your first post was two "someones" at least one or which was your sun's friend.

Pace_maker

grumbler wrote: »

It's just his word ATM.

The bank has cctv to prove this isn't the case, my son also closed the account, but was threatened to reopen it.

By walking to a branch or asking someone to do this? And was it not a bank transfer in your first post?

Same as above.

For transfers it's cleared pretty much instantly.

Fair enough.

I don't see anything yet that supports this theory. What you have said in your first post was two "someones" at least one or which was your sun's friend.

Read above.

DCFC79

If you dont want to report it then dont.

As to the next step if you dont involve the police I cant answer but the other person still knows your address.

Im still trying to understand how the account for a 16 year old went overdrawn.

Pace_maker

DCFC79 wrote: »

If you dont want to report it then dont.

As to the next step if you dont involve the police I cant answer but the other person still knows your address.

Im still trying to understand how the account for a 16 year old went overdrawn.

It's a relatively new scam the bank said that involves someone cashing in an overseas check, because a lot of London banks don't have staff in them it's easy to bypass security and therefore it can get cashed in, and also the possibility that they also have someone working in the bank that is also part of the criminal activity.