Help with fraudulent activity and Lloyds

colsten

Betfair will have the IP address that was used for the deposit, and - provided it was a UK IP address - will have been able to confirm with the ISPs who used the address at the time.

You could ask them to provide evidence that you were the one the IP address was allocated to at the time the deposit was made.

But I have another Q: unless I have missed something, I haven't seen anything about how the money was used. There will be transaction records in your Betfair account that you can see (assuming you still have access to your Betfair account). Was is Sports, Arcades, Poker etc the money was used in? Again, Betfair will have the IP addresses the bets were made with - so you should ask them to provide evidence that the transactions were carried out from IP addresses that were assigned to you at the time the bets were placed.

aw5555 wrote: »

A few days later after putting money into my account, I was informed my account was overdrawn by £1200 all going to Betfair and one other transaction to a company I have never heard of.

what happened to the money that was paid to that other company?

aw5555 wrote: »

.....and shortly after my someone had tried to access my email account....

you seem to be under some attack of sorts. Have you scanned your PC for viruses and malware?

If you don't mind me asking: are you living in student digs / shared accommodation? Could anyone else have accessed your PC / email / paper mail etc?

aw5555

Hellzapoppin wrote: »

If your betfair account is the one that is compromised, then surely it is their responsibility to investigate activity that is reported to be fraudulent and not your bank.

Why would Lloyds refund you in this situation if betfair aren't prepared to refund Lloyds? Have you thought about complaining to the Gambling Commission? I suspect that the banking ombudsman is a dead end.

Betfair have said that as their fraudulent team have seen no unauthorized activity as far as they are concerned its down to the bank to investigate. Lloyds requested information such as IP Address and they have been unable to provide this information. In regards to the other company, they have refunded those transactions as the company was unable to verify my information. In regards to how the money was used, again BF have not provided this information to either Lloyds or myself all the keep saying is that a deposit was made in 2014.

I was told when I called Customer Service my account has now been suspended so I cannot login and check anything, however based on the fact they have my old details I'm assuming (no evidence) that it would have been through the casino games as I only had that type of account.

I have virus security on my computer (Avast). Lloyds have referred me to the FO so I will wait and see what they say and then if I am going around in circles go to the GC.

Lloyds have extended my overdraft to cover the unauthorized transactions but I have been told this will affect my credit rating, all in all I really feel like I have no protection. I have decided once I have cleared the amount (whether that's through BF returning my funds) I will close my account and go else where / or use a prepaid card for online transactions.

grumbler

The extra 'problem' in such cases is that it's common for compulsive gamblers to deposit and lose money, then try pulling a fast one by claiming that the deposit was fraudulent.

colsten

aw5555 wrote: »

Betfair have said that as their fraudulent team have seen no unauthorized activity as far as they are concerned its down to the bank to investigate.

So did you ask Betfair to provide evidence that the IP address used to deposit the money was assigned to you/your residence at the time? As long as you don't have the answer to that question, there is no point escalating anything to anyone.

grumbler

And what if the IP wasn't "assigned to the residence"?
Transactions don't have to be from the residence to be legitimate, not to mention VPNs and proxy.
What if it was some internet cafe, even in a remote location? Generally, this doesn't prove that the OP is innocent. Just playing the devil's advocate...

colsten

The IP address will have been assigned to someone, and the ISP will have the appropriate records. In the simplest case, Betfair wouldn't even have to ask the ISP. That simplest case being that the Betfair account was always used from the same IP. As you know, Betfair do record, and display, the IP addresses used by each account.

Proxies and VPNs can also be traced though this is significantly more difficult to do.

aw5555

colsten wrote: »

So did you ask Betfair to provide evidence that the IP address used to deposit the money was assigned to you/your residence at the time? As long as you don't have the answer to that question, there is no point escalating anything to anyone.

Both Lloyds and myself have requested this information. Lloyds said it is unusual for a company to not provide this information. But following Visa's guidelines BF have provided enough to Lloyds. Providing the IP Address is not compulsory as part of this. So I can't even get this information as my account is suspended.

aw5555

grumbler wrote: »

The extra 'problem' in such cases is that it's common for compulsive gamblers to deposit and lose money, then try pulling a fast one by claiming that the deposit was fraudulent.

I understand your point however both BF and Lloyds have records of the gambling activity so all they need to do is review this. Again I understand that doesn't mean I hadn't done this but it supports my claim.

grumbler

colsten wrote: »

That simplest case being that the Betfair account was always used from the same IP.

Again, even if it's the case, this doesn't prove/disprove anything.

As you know, Betfair do record, and display, the IP addresses used by each account.

I know, they used to, but I can't find this now in my account.

colsten

grumbler wrote: »

Again, even if it's the case, this doesn't prove/disprove anything.

Did I say it would prove anything? There is probably nobody who can ever prove whether it was the OP or someone else but having the information about IP will be helpful in understanding what happened. For example, if the same IP has always been used to access the Betfair account, and/or if the IP used is linked to the OP, the OP would be wasting their time trying to get any money back.

There is no reason whatsoever why Betfair should not provide at least the IP addresses used to the account holder.