Fraudulent activity - Halifax

masonic

Roo4786 wrote: »

He was told that they need to investigate the matter and prove it is a fraudent transaction before a issuing return of the funds, as he has a basic account which doesn't have fraud insurance?? (He might have misunderstood something here, I don't know, as it seems odd)
...
He has not been given a new card, or his account closed and a new one opened or anything??
....
If a person has indeed stolen money from his account couldn't they do it again if none of his details have changed??

These are all great questions.

No bank would ever behave like this and "fraud insurance" or anything similar is completely made up. You seem to have the right instincts about what should happen if something like this had actually taken place. I can only think of one explanation why this story seems so implausible.

AnotherJoe

I can also only think of one explanation with two sub explanations. Neither are good.

Roo4786

Yeah my gut says something isn't adding up at all. He is terrible with money. He hasn't ever gambled so I really really doubt it was something like that. The majority of the money 'stolen' was savings for holiday spending money in April. I'm wondering if he never actually had money saved and has created an elaborate lie as an excuse. It's hard as I dont know what to do about it. We've had the borrow money from my parents because of this and I told with we will pay it back when he gets it refunded.

Flobberchops

Roo4786 wrote: »

Yeah my gut says something isn't adding up at all. He is terrible with money. He hasn't ever gambled so I really really doubt it was something like that. The majority of the money 'stolen' was savings for holiday spending money in April. I'm wondering if he never actually had money saved and has created an elaborate lie as an excuse. It's hard as I dont know what to do about it. We've had the borrow money from my parents because of this and I told with we will pay it back when he gets it refunded.

Yes, I think you're probably right on the money there and your suspicion is probably exactly what has happened. Sorry. I hope he owns up and you can get things sorted out.

jonesMUFCforever

It will be easy to sort out - sit down with him in front of a computer and tell him to log into his internet banking. Then look back at the statements with him.
If he says he has not registered for it - do it together and then look - if he can't remember his log on details - follow the links to re-register.

Then ......light blue touch paper and wait for an almighty row.

AnotherJoe

If you intend to stay with him i strongly suggest you take complete control of all the household finances. If he can come up with such elaborate lies who knows what else is going on, what other debts he may have he hasn't yet mentioned?

RebeccaTay29

I will try and keep this brief! I moved home recently so recieved a letter from tv licence instructing me to set up online an account I also recieved an email regarding tv licence so I thought I’d just go it through that! Few days pass and banks fine then I rang tv licence as the first payment hadn’t gone out they said they had nothing set up for me on record so I thought must of done something wrong in the email. Another couple of days I get a phone call from an 0345 number so I ignored it and googled it as I always do random numbers, internet said Halifax bank number so next time they rang I answered. The man on the phone said he was from the bank etc and asked if I had taken out some transactions of large amounts in Coventry (no where near me) so said no and he said we need to secure my account! He asked me no personal details (already had them from the email and from hacking into my email address), so as I signed in to my banking app with Halifax he said to set up a new account n switch the money over so it can’t be taken! I foolishly did this and as I did this they have hacked my banking and taken all of my money and from both my children’s accounts as well as tricking me into an overdraft which they maxed out too! Bank won’t pay out say it’s my fault basically for handing over details, as if I’ve not been through enough loosing £10.000. Now it’s down to liability apprantly, called my bank and asked what they expect me to do with a house to run and two children and no money, there response “there’s £200 left on the overdraft I can use” obviously I will not be touching that account again and in the process of diverting all direct debits to another account with another bank and having to rearrange payment dates! What can I do??  

masonic

You don't need me to tell you that's a textbook example of this fraud. When exactly did the fraud happen? There have been some recent changes to the rules around this (plus the launch of confirmation of payee), but I suspect your fraud pre-dates these.

DCFC79

RebeccaTay29 said:

I will try and keep this brief! I moved home recently so recieved a letter from tv licence instructing me to set up online an account I also recieved an email regarding tv licence so I thought I’d just go it through that! Few days pass and banks fine then I rang tv licence as the first payment hadn’t gone out they said they had nothing set up for me on record so I thought must of done something wrong in the email. Another couple of days I get a phone call from an 0345 number so I ignored it and googled it as I always do random numbers, internet said Halifax bank number so next time they rang I answered. The man on the phone said he was from the bank etc and asked if I had taken out some transactions of large amounts in Coventry (no where near me) so said no and he said we need to secure my account! He asked me no personal details (already had them from the email and from hacking into my email address), so as I signed in to my banking app with Halifax he said to set up a new account n switch the money over so it can’t be taken! I foolishly did this and as I did this they have hacked my banking and taken all of my money and from both my children’s accounts as well as tricking me into an overdraft which they maxed out too! Bank won’t pay out say it’s my fault basically for handing over details, as if I’ve not been through enough loosing £10.000. Now it’s down to liability apprantly, called my bank and asked what they expect me to do with a house to run and two children and no money, there response “there’s £200 left on the overdraft I can use” obviously I will not be touching that account again and in the process of diverting all direct debits to another account with another bank and having to rearrange payment dates! What can I do??  

How was your email accessed ?
A virus, an easy password to guess ?

RebeccaTay29

I have no idea how they accessed my email possibly when I clicked the tv licence link which was fake