Lloyds Bank Account Hacked. Acc closed & cannot get money - can that be right?

SnowTiger

csgohan4 wrote: »

LLoyds are someone I will be avoiding then in future

I think all banks and building societies would react in a similar way.

The title of this thread is "Lloyds Bank Account Hacked...", however OP has also suggested the bank card has been lost or stolen. https://forums.moneysavingexpert.com/discussion/5156644:

I made a complaint to lloyds. But they will not budge. They state because he didn't report the card lost or stolen, it is due to his negligence that the bank lost money.

I don't know if that means the card has also been lost or stolen or that Lloyds would have viewed this case differently if it had been.

What's really happened here? Hacked Internet banking account, lost debit card and the PIN compromised?

uknick

csgohan4 wrote: »

LLoyds are someone I will be avoiding then in future

Why? I've been with them for over 30 years and never had a problem. (have I now tempted fate with this comment )

Lith

Ya son got careless... move on and don't let him have an account till he's mature.

'You learn from your mistakes'

moneysavvy35

Thanks to everyone who has responded to this thread. Its still up in the air - I am compiling a list of questions to email to the bank manager before I compile my case for the ombudsman.

Whilst I agree in principle with the bank having to protect thier accounts and possibly warn other institutions - surely they would have to prove his guilt?

This is the problem I am going to have to face, he is going to have to prove his innocence!! and how does he do that? I have told him he will have to speak to the bank manager, posbbily even the police and he's not bothered by it.

I can fully understand people questioning his involvment in this, and maybe on the outside looking in I would to, BUT its just not happened that way. He hasn't been co-erced, bullied, been willing/unwilling, he simply dosen't know how this has occured!!

To make clear my son was paid £4.00 in his bank account every week for over year. He would not use his card regularly like most, sometimes not even using it for 2weeks, so unless he went to use it he would not have reliased it was misssing. Obviously moving forward I would advise he check the cards whereabouts all the time.

I will be writing to the bank manager in the interim to find out what they think has exactly happened so I can get a clearer picture when writing to the ombudsman.

Like you all, my main question is? If he was not invovled how would someone get to use his pin & card. I will try to update when I can. For those of you that have helped with links & suggestions thanks so much.

Honestly I just wanna try & sort this out - I'm not naive, my son just wasn't involved sorry if you think different, but thanks for your input anyway.

Archi_Bald

Leaving aside how the card actually made it to the alleged fraudsters: you / your son should have a credible explanation for how the PIN came into the possession of the alleged fraudsters.

moneysavvy35 wrote: »

I will be writing to the bank manager in the interim to find out what they think has exactly happened so I can get a clearer picture when writing to the ombudsman.

Don't hold your breath. They are legally not allowed to tell you anything if they suspect fraud, which clearly they do in this case.

You could argue that it should be a Court who decides whether it is fraud, and whether your son was an accomplice, not the bank. This would take you years to fight through the Courts though and you might never win because neither your son nor you can prove he was not involved.

grumbler

moneysavvy35 wrote: »

Like you all, my main question is? If he was not invovled how would someone get to use his pin & card. I will try to update when I can. For those of you that have helped with links & suggestions thanks so much....

The only way cashpoint withdrawals were possible without his knowledge is if the card was cloned and and the transactions weren't chip&pin.

If the transactions were chip&pin, this would be a proof good enough that you over- or underestimate your son.

The bank does have this information, but may be not willing to share it with you. They possibly will if you take the case to the FOS - most likely to your embarrassment.

moneysavvy35

Archi_Bald wrote: »

You could argue that it should be a Court who decides whether it is fraud, and whether your son was an accomplice, not the bank. This would take you years to fight through the Courts though and you might never win because neither your son nor you can prove he was not involved.

Yeh I hear you on this...

grumbler

Archi_Bald wrote: »

...though and you might never win because neither your son nor you can prove he was not involved.

Was one of the basic principles of justice abandoned in this country?

NICHOLAS_2

If the money was withdrawn in the bank, i would presume it was buy a boy of a similar age as the real account holder or it would have looked suspicious.

And for the pin to have been obtained..

I think the boy is guilty of crime by either being bullied into it or willfully taking part.

colsten

grumbler wrote: »

Was one of the basic principles of justice abandoned in this country?

Never mind any basic principles - it is now some employee in a bank that can decide whether somebody is guilty, without the accused having any means whatsoever to defend themselves.

With the various terrorist threats, things are not going to get better anytime soon.

Banks would, however, no doubt be able to produce masses of circumstantial evidence from a variety of fraud cases that would probably convince a jury that the boy in this particular case is not wholly innocent.