Blamed for bank fraud - HELP !

callum9999

Is it just me or is this forum getting more and more aggressive by the day? I found this thread rather irritating so the OP has been remarkably restrained considering!

I'm no expert, but I find it incredibly hard to believe that a fraudster would immediately ring their bank and inform them about their fraudulent activities (as they clearly said they did). While they could of course be lying, and they could have been careless with their bank details, until you have the slightest bit of evidence to show that I don't see how you have any right in making such horrible accusations.

Thrugelmir

callum9999 wrote: »

I'm no expert, but I find it incredibly hard to believe that a fraudster would immediately ring their bank and inform them about their fraudulent activities (as they clearly said they did). While they could of course be lying, and they could have been careless with their bank details, until you have the slightest bit of evidence to show that I don't see how you have any right in making such horrible accusations.

There's a lot of assumption in the thread. With the penalties levied on banks these days. Perhaps closing the account is the simplest option. Plenty of unanswered questions. What were the source of the funds? How were the OP's bank account and ISA details obtained? Fraudsters don't hack to make deposits.

SuperAllyB

Sofail wrote: »

I did in fact ask at the time of being told my accounts would be closed what the reference number was for the police investigation and to my astonishment I was told they were not going to notify them of this - I then asked why if I am committing fraud would they not notify this to the police; to which I was given a standard fob off answer which had a lot of words but very little meaning (these do exist!).

I think the fact they are not shows that they don't actually know whats happened to the account and have opted for the easiest answer which would be to blame me and move along.

I will contact the police about this matter and luckily my local MSP is Nicola Sturgeon so I will arrange to meet with her to discus the issue also.

Thank you for your input catcherupper14

Now there's a phrase i never thought i'd see!

Bmth100

I use CIFAS on a daily basis to log victims and perpetrators of fraud at work. You cannot legally register somebody on CIFAS unless you have solid evidence to support the claim and any Police investigation that may result from it.

If you're not responsible, the bank has either made a tangible link using evidence that may suggest you're responsible or there's something you're not telling us ... !

But yeah, you want that CIFAS marker gone asap if you're innocent. From what you've said, you're probably listed for "False instruments paid in". If I was dealing with an applicant who popped up on CIFAS with such a recent / serious marker, I wouldn't give them the time of day.

Good luck

grumbler

Bmth100 wrote: »

...You cannot legally register somebody on CIFAS unless you have solid evidence to support the claim and any Police investigation that may result from it.

In normal life only a judge can decide what evidence is 'solid' and acceptable. Who is it in banks who decides that the evidence is 'solid'? What police investigation may result from it if you don't report it to the police?

If you're not responsible, the bank has either made a tangible link using evidence that may suggest you're responsible or there's something you're not telling us ...

...or the link just wasn't 'tangible' enough, but the bank didn't care because nobody controls them and holds them responsible for reporting unreliable information to CIFAS.

callum9999

Thrugelmir wrote: »

There's a lot of assumption in the thread. With the penalties levied on banks these days. Perhaps closing the account is the simplest option. Plenty of unanswered questions. What were the source of the funds? How were the OP's bank account and ISA details obtained? Fraudsters don't hack to make deposits.

There is indeed - and I don't think it's remotely right to accuse someone of being a fraudster based on an assumption.

Fraudsters also don't call the bank to report themselves...

Archi_Bald

callum9999 wrote: »

Fraudsters also don't call the bank to report themselves...

You are crediting all fraudsters with above average intelligence when in reality they will have their fair share of complete idiots, too.

callum9999

Archi_Bald wrote: »

You are crediting all fraudsters with above average intelligence when in reality they will have their fair share of complete idiots, too.

I wouldn't say not deliberately handing yourself in equates to above average intelligence!

Sofail

Bmth100 wrote: »

I use CIFAS on a daily basis to log victims and perpetrators of fraud at work. You cannot legally register somebody on CIFAS unless you have solid evidence to support the claim and any Police investigation that may result from it.

From what I've been told by BoS their 'Solid Evidence' is essentially that the most likely (in my opinion easiest) answer is that I have done the fraud.
Other than this assumption no other evidence has been brought forward - I just cant understand how this can constitute 'solid proof' to POTENTIALLY add a CIFAS marker to my name.

As I mentioned before there is currently to my knowledge no CIFAS marker logged and the bank had initially told me none would - then of course told that 'maybe' one would...

At work when you see CIFAS markers does this proof also come up or do you just see the marker and move on? What is the procedure?
Would I not even be able to open a basic account - Is there nothing at all

Also surely if the proof is 'solid' the police would be involved?

Sofail

TrustyOven wrote: »

Hi Archi Bald,

I'm in a pedantic mood; hope you don't mind.



Yes IP addresses can be spoofed very easily. Two-way communication (eg. TCP, which is what HTTP uses, which is what the webserver uses) depends on the addresses not being spoofed, because both the receiver and sender need to talk to each other.

So, IP addresses are very meaningful.

There are methods to spoof IP addresses and redirect traffic, but that requires complex and directed attacks, and in my understanding, cuts off the original/spoofed machine off from accessing the original peer (ie. bank website). So the OP would probably not see the bank website while the attack is in progress.



IP addresses are fundamentally non-geographic. However there may be some addresses added in databases with known locations. Using Traceroute and "Naming conventions of ISPs and back-bones" may help to narrow down the connection, such as in your example.

I don't know specifically how Google maps etc locate your position with the IP address.

Anyway, just mentioning this in case anyone found it fascinating / interesting.

I have recently being using a different laptop as my own has broken - I have noticed on this laptop the internet connection seems to stop working for 5mins+ every now and again; I just put this down to being a laptop issue.

Can you tell me more about the ways in which this type of 'hack' works ? and is there a way to find if it is something which has been occurring, any types of tests?