Money taken out of my bank account without permission.

Manda2016

Hi all,

Just wanting some advice on a tricky situation I am in at the moment. Basically, when my online bank account was set up, my dad wrote down my log in details in his diary. I'm a struggling student at university, and whilst I was away, my dad logged into my account and took £784.00 from my account, and transferred it into his own, without my permission. When I told him I needed my money back, he said it would be back into my account by January... the money was taken in September. When I have recently asked him for the money again, he has told me I won't get be getting the money back...

I realize, that only I should have had my log in details, but I have an extremely controlling father. Since my money was taken, I have changed all my details. I went to my bank for advice, and they said it would be a police matter.

I will be taking this further with them, I just wondered if anybody else had any advice, or if anybody would know what the police may or may not be able to do for me?

Any help and advice would be much appreciated,
Thanks.

Harveys_2

With which bank are you with?
Why would you give him your details?
Why would he need your log in details?


Struggling student?
Controlling father?


Cool story bro...

Dobbibill

As above, why did you allow him to have your details? This is not a pop, genuine question. Although, that said, hindsight is a wonderful thing.

Changing the details now is the right thing to do, no-one should be taking money from your account but by allowing him to have your details initially, you have breached the guarantee that most banks give you to protect you against fraud via online banking.

Has he said why you won't get the money back? As a student, I imagine this would be needed for rent/living costs at uni.

The police will potentially tell you it's a civil matter, although I may/hope to be told I am wrong. You can report your Dad to Action Fraud, they may be able to advise you. I noticed they have a 'web chat' option, if that helps at all.

PasturesNew

I'm afraid the bottom line is the following:

He had the details, which you "allowed" him to have.
He took the money, using your login details, which isn't the bank's fault.
The bank have done nothing wrong and cannot help you further.
If you want your money back you have only one route: ask your father, tell him you want it back and will get the police involved if he doesn't give it to you, call the police and report it as a theft/fraud (or whatever word is correct).

Only taking him to court to get the money back can get it back for you. Nobody else will refund you your money. It's in your dad's pocket and the only way to get it back is by him giving it back, or you forcing him to give it back.

None of it is "your fault" as you didn't expect him to be so cheeky ... but he did, so it's "your problem" now. So now you need to weigh up all the pros and cons and work out how far you're prepared to go to get your money from him.

PeacefulWaters

If your circumstances allow, I'd suggest you have nothing to do with the thieving b'stard again.

The bank have no liability. You've been negligent. Did the transaction take you overdrawn?

I suspect a court would clear him as you'd willingly supplied him log in details.

colsten

Although it would be extremely sad to see a father and his offspring in a fight over £784.....

.....I'd love to see that thieving father to give us his side of the story before commenting further.

cheesetoast

Letter to him by recorded mail, offer 14 days to pay up or negotiate a payment plan in writing.

After that, small claims court.

Apodemus

You've learned a £784 lesson. Forget the money and move on. Pursuing this further will just add a huge amount of extra worry and aggravation and at the end you will still probably be £784 down.

Flobberchops

Unfortunately you've probably broken the bank's Ts&Cs by knowingly divulging the login and password details so you'll have no leg to stand on there.

What your dad did was completely wrong but I'm wondering why on earth you let him record your login details? And why you didn't change your password once you knew it had been compromised?

pollypenny

OP, do you owe him money?

jonesMUFCforever

pollypenny wrote: »

OP, do you owe him money?

Probably not now, but there is a chance he did beforehand.