Major issues with HSBC, fraud and refusing to refund

grumbler

diamonds wrote: »

SHOULD be impossible.

IS impossible.

I have accounts with dozens of gambling sites and know.

Yes, companies that you gave CPA to charge your card can keep doing this after the card expires or even is cancelled.

diamonds

grumbler wrote: »

IS impossible.

I have accounts with dozens of gambling sites and know.

I worked in the electronic financial card payment industry IN risk management in various parts of the world, UK's is !!!! poor, but be sold on C&P.

The things I could share from experience I wont because it could put everyone at risk if any of these issues are still open, let alone any system can have hacked by those who find exploits.

NO online system is 100% secure just as no contraception aid is either going to stop you shopping at Mothercare & Early Learning Centre.


Fraud is fraud even if the brother accessed the new card details, if the OP can prove 35,000 feet up at one of the card debits NO licensed UK financial organisation should be refusing such as not evidence and ruling it is not fraud.


HSBC should be asking RED32 for the debit times, IP addresses and ISP details in any fraud investigation, that is a minimal requirement to online retailers in a fraud investigation. Can RED32 prove the cardholder was indeed their customer.

paragon909

Be rather stupid to use someone else's card on a gambling website when all require you to withdraw back to the depositing card due to money laundering and fraud.

diamonds

OP a chargeback should have been done pending investigations, HSBC should have took the crime reference number and gave you a fraud reference number, it seems they have not from what you have posted.


Chargeback means unless RED32 can prove it was you betting they will forced to refund by their bank for fraud to HSBC, whilst that investigation is ongoing HSBC should have refunded your card (at least in part to get you to payday if not the whole amount).
http://www.moneysavingexpert.com/shopping/visa-mastercard-chargeback

diamonds

paragon909 wrote: »

Be rather stupid to use someone else's card on a gambling website when all require you to withdraw back to the depositing card due to money laundering and fraud.

Anyone with a gambling addiction would not care, its the buzz from playing not just winning.

grumbler

paragon909 wrote: »

Be rather stupid to use someone else's card on a gambling website when all require you to withdraw back to the depositing card due to money laundering and fraud.

Google for 'poker chip dumpling' !!!!!!. It was mentioned above. And it's not the only way.

ChiefGrasscutter

diamonds wrote: »

Fraud is fraud even if the brother accessed the new card details, if the OP can prove 35,000 feet up at one of the card debits NO licensed UK financial organisation should be refusing such as not evidence and ruling it is not fraud.

As I understood it the banks will not refund "family type" fraud if I can call it that unless the individual is willing to have the police be informed leading to a possible prosecution of the family member.
In other words yes, there are circumstances where the banks will not regard a theft/misuse of cards as 'fraud' in the strict sense that you and I might regard it.
Not saying of course that this is the case here - merely an observation on your comment about fraud is fraud.

paragon909

grumbler wrote: »

Google for 'poker chip dumpling' !!!!!!. It was mentioned above. And it's not the only way.

What's with the !!!!!!, I can express my opinion. You don't need to like it. But you don't need to have such childish responses, All you had to say was I've already said that...

diamonds

ChiefGrasscutter wrote: »

As I understood it the banks will not refund "family type" fraud if I can call it that unless the individual is willing to have the police be informed leading to a possible prosecution of the family member.
In other words yes, there are circumstances where the banks will not regard a theft/misuse of cards as 'fraud' in the strict sense that you and I might regard it.
Not saying of course that this is the case here - merely an observation on your comment about fraud is fraud.

Indeed, but a £10,000 fraud if OP/HSBC inform police they find it to be the brother, it is not small time fraud of £100 from a till.


Frankly I would tell the police if ANYONE stole £10,000 off me, blood is thicker than water, but water turns to wine



Theft and fraud stealing card details to deprive the account holder, I sincerely hope it is not the brother!

justcheckingin

Thank you all so much for the replies and your input, it really is appreciated. As an update I'm on the phone to them 4/5 times a day, the amount of times I'm promised a call back and it just never ever comes. Whilst they said its being investigated (I was under the impression , and as a previous poster pointed out, that whilst it's investigated they should refund) I sent them my flight tickets, accommodation vouchers, airline check in ticket, I sent it recorded at the end of last week and it was showing as delivered this morning, I had a call this afternoon from them again just telling me it's being investigated and they confirmed the copy documents were received, these prove 100% I didn't make those transactions. I told them the dire situation this has left us in, and as usual for banks, they repeat the same old scripted rubbish. I'm told they will NOT refund any transaction unless it's proved I did not make it! I'm providing them with proof and they are dismissing it! I told the person who called me earlier I was going to be writing to the ceo and papers and anyone else who would listen and they told me that's fine and it's my prerogative essentially. It's now been over a week and not a single penny back in my account. I spoke to consumer direct earlier who told me they couldn't help as I wasn't a consumer! I spoke to trading standards who told me to put it in writing! A friend of mine who works at a bank told me over 90% of fraud cases like this never end up in prosecution, the bank simply writes it off to avoid bad publicity. No wonder it continues! I contacted thisismoney and was emailed this morning asking for more information, I've responded but not heard back yet. What worries me is the people I know who have suffered debit card fraud have had their money returned in days and I'm now terrified that I'm not getting it back. I will keep this updated but I really don't n know where else to turn now, I even asked today how long this is all going to take and they told me they can't say. Apparently from online research a lot of gamblers will spend loads of money and if they don't win do a chargeback, which is also saying the banks are ignoring genuine fraud when it comes to online gambling. So how the hell can I win... truly don't know where to turn, and I'm starting to have suspicions following the responses. Let me say this, family member or not, 10K and my families welfare cones before blood relations. No question.