I think my bank have committed fraud

shortcrust

duchy wrote: »

Why would a bank's complaints team whose job is to ensure process is followed and are very much accountable lie ? It makes no sense for them to. Whilst I can see the possibility of a fellow team member covering up a mistake in branch -a head office complaints team doing so makes no sense. Why would they put their job on the line for someone in branch over what is terms of complaints is a minor issue and if it got to the ombudsman would be a slapped wrist and a fine at worst. They'd just admit the fault, apologize and offer compensation scuppering your opportunity to go to the ombudsman.

This is most sensible post in the thread. The OP's theory just doesn't fit with reality.

jennyj26uk

duchy wrote: »

Why would a bank's complaints team whose job is to ensure process is followed and are very much accountable lie ? It makes no sense for them to. Whilst I can see the possibility of a fellow team member covering up a mistake in branch -a head office complaints team doing so makes no sense. Why would they put their job on the line for someone in branch over what is terms of complaints is a minor issue and if it got to the ombudsman would be a slapped wrist and a fine at worst. They'd just admit the fault, apologize and offer compensation scuppering your opportunity to go to the ombudsman.

I haven't even gone to the Ombudsman! It's obvious, because they can't be bothered with the hassle of all the investigations and disciplinaries. These things are all time consuming and like many companies these days are probably operating on skeleton staff and the fore do not have the staff or resources to chase it up!!

matttye

dr_adidas01 wrote: »

What could have happend well lets see, she could have gone out her front door and been hit by a bus, does that mean then she doesn't go out of the house in case she gets hit by it?

Does she then complain to the bus companies about possibly been hit by one of their buses? No cause that would be stupid and silly now wouldn't it?

Right, but you're forgetting that an incident has actually occurred here. A better analogy would be if a bus mounted the pavement, narrowly missing you. I think some would agree a complaint would be in order then.

dr_adidas01 wrote: »

As for waiting to be stolen from you can be just as easily burgled from your house to, are you going to stay at home all the time just in case it happens? Or complain to your insurance company if you have any about how you might get burgled before it happens ? No as that would be silly too, wouldn't it?

As for a faulty burglar alarm your point on that would seem mute to, as you would know before you were ever burgled if there was something wrong with it!!

The OP has realised there's something wrong with the bank's procedures before she's actually been stolen from. See the similarities?

matttye

jonesMUFCforever wrote: »

Do you know what I think?
It is the OP trying to commit fraud.


They obviously went into the bank to withdraw cash - got cash but realised MAYBE the cashier did not either use chip and pin or MAYBE forgot to get customer to sign the withdrawal slip and thought -Hey if I play my cards right here they might give me some free money bygetting someone into trouble.
Problem is that OP might have to use that branch again - I wouldn't like to be in their shoes.

CCTV would confirm that. Would be a pretty stupid and hopeless thing to try 😂

jennyj26uk

jonesMUFCforever wrote: »

Do you know what I think?
It is the OP trying to commit fraud.


They obviously went into the bank to withdraw cash - got cash but realised MAYBE the cashier did not either use chip and pin or MAYBE forgot to get customer to sign the withdrawal slip and thought -Hey if I play my cards right here they might give me some free money bygetting someone into trouble.
Problem is that OP might have to use that branch again - I wouldn't like to be in their shoes.

Proof right here that hardly any of you bother to read posts correctly! I already stated I don't use that particular branch and so what if I did? I have nothing to be ashamed of. I did nothing wrong. They have to treat me like any other customer. I have already stated countless times that I do not need nor want compensation. They have already offered it to to me which I declined. This is not about the money! How many different ways do I need to spell it out! And if I wanted money that badly do you seriously think I would go to all that effort? You could not be more wrong if you tried! I wonder if you are genuinely ignorant or are just trying to get people's backs up by pretending to bem I worry for people like you.

bengal-stripe

jennyj26uk wrote: »

I challenge anyone to question what they are told and not just believe everything they are told in the media because that's what they want you to believe.

But people do that. They do question what you have told them!

That's a good thing, isn't it?

duchy

jennyj26uk wrote: »

The only one laughing is you! Laughing at your own pathetic jokes. I challenge anyone to question what they are told and not just believe everything they are told in the media because that's what they want you to believe. Clearly yet another Daily Mail reader who just believes everything they are told. Open your eyes.

I wasn't joking -I was deadly serious.
I think you are seeing conspiracy theories everywhere. Perhaps you need to take a step back and consider why this is. Have you spoken to your doctor ?

PeacefulWaters

jennyj26uk wrote: »

*SIGH* Why do I bother! That is not the point!!

I don't really know why you're bothering. But it's vaguely entertaining.

Firstly, the bank can and will have a range of procedures for the authorisation of a withdrawal. This may be the requirement for a PIN at ATM or counter or a signature on a piece of paper that effectively acts as your receipt for the money withdrawn. They may want additional ID to support a transaction.

The bank faces a fraud risk. Somebody else could withdraw from your account. If they do then you get reimbursed. So the bank stands the loss.

They also stand the risk of you saying you never received the money withdrawn. The signature on the paper (or the PIN) are the proof that you have had the money.

Part of your complaint is very much along the lines that the bank haven't followed their own procedures. In truth those procedures are none of your business. It's up to the bank to implement procedures that it sees as suitable for protecting the interests of shareholders. If you, as a customer, don't like those procedures because they are inconvenient or lead to you lacking confidence in them, take your accounts elsewhere.

The other part of your complaint is that somebody other than you has signed the withdrawal slip. If this has happened, somebody has acted inappropriately, most likely to cover a procedural error at the time of the transaction. It's unacceptable and if the bank's internal investigation confirms your story I'd expect the culprit to be disciplined and very probably sacked.

What I will assure you of is that it's not a training issue. Even the dopiest cashier will know how to perform a simple withdrawal transaction. Somebody's covering their backside from an audit perspective. Not clever. But not putting your money at risk.

Oh I'm so sorry I didn't use the correct terminology. Get a grip and a life while you're at it!

Calm the f*** down. You should ask yourself what you're trying to achieve because a one-woman crusade against the bank is a bit pointless.

dr_adidas01

Perhaps this thread is one giant conspiracy theory!!

matttye

bengal-stripe wrote: »

But people do that. They do question what you have told them!

That's a good thing, isn't it?

There are a lot of lemming like posts on this board about how banks can do no wrong and the poster must be lying or after some kind of compensation.

It's quite similar to going on a technology forum, say about Android or iOS devices, and seeing the fanboys there ruthlessly defending their chosen device.