Fraudulent activity - Halifax

RebeccaTay29

masonic said:

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.

Monday evening it happened 

masonic

RebeccaTay29 said:

masonic said:

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.

Monday evening it happened 

In that case the Confirmation of Payee system was in place, and the current rules on authorised push payment frauds and the refund scheme would be relevant to your case. It seems far too early for Halifax to have reached a final decision on the matter.

It's not completely clear what happened from your previous post. You said "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", but who set up the new account and who transferred the money to it? Could you see the new account within the app? How did you sign into the app (e.g. fingerprint, or username/password/memorable info?) Did you at any point enter your memorable info in full? Did you at any point receive a code by text message or automated phonecall and provide this to the caller? When you transferred the money did you receive a warning that the account name did not match what you entered? Did you receive a call from the real Halifax fraud team about authorising your transaction?

RebeccaTay29

masonic said:

RebeccaTay29 said:

masonic said:

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.

Monday evening it happened 

In that case the Confirmation of Payee system was in place, and the current rules on authorised push payment frauds and the refund scheme would be relevant to your case. It seems far too early for Halifax to have reached a final decision on the matter.

It's not completely clear what happened from your previous post. You said "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", but who set up the new account and who transferred the money to it? Could you see the new account within the app? How did you sign into the app (e.g. fingerprint, or username/password/memorable info?) Did you at any point enter your memorable info in full? Did you at any point receive a code by text message or automated phonecall and provide this to the caller? When you transferred the money did you receive a warning that the account name did not match what you entered? Did you receive a call from the real Halifax fraud team about authorising your transaction?

The man who called me claiming to be from the bank (using the same number as the bank) convinced me that I needed to secure my money as it was at risk of being taken (I already feel like a stupid idiot for falling for it) so as I looked into my online banking the man took me through some steps to secure my account, I entered no passwords as everything is Face ID on my phone, I coukd see things changing on the app but just thought of corse then can access my account they are the bank!! (Obviously not though) so I proceeded enabling them to transfer the money by me authorising it (stupid I no) but I was in a panic thinking everything was going to go. I received no text from Halifax as I normally would however as soon as the phone call ended I just had a feeling something wasn’t right which is when I contacted the bank but it was too late it was all gone. The bank also asked me the same question regarding the names matching the names did match it was my name so yes I did authorise the transactions but I thought I was closing my other account so they couldn’t take anything. I am aware I’ve been stupid in falling for this and I can’t feel any worse than I already do, I’ve contacted an ombudsman and action fraud as I no I’m to blame for being dumb however I do believe the bank are equally in the wrong for letting these transactions go through! The number they called me on matched the banks number which I showed them in branch but didn’t seem interested just said “happens all the time” 😡

masonic

RebeccaTay29 said:

The man who called me claiming to be from the bank (using the same number as the bank) convinced me that I needed to secure my money as it was at risk of being taken (I already feel like a stupid idiot for falling for it) so as I looked into my online banking the man took me through some steps to secure my account, I entered no passwords as everything is Face ID on my phone, I coukd see things changing on the app but just thought of corse then can access my account they are the bank!!

So did they get you to install something on your phone so that they could access it and take control of it?

RebeccaTay29 said:

so I proceeded enabling them to transfer the money by me authorising it (stupid I no) but I was in a panic thinking everything was going to go. I received no text from Halifax as I normally would however as soon as the phone call ended I just had a feeling something wasn’t right which is when I contacted the bank but it was too late it was all gone.

What did you do to authorise it?

RebeccaTay29 said:

The bank also asked me the same question regarding the names matching the names did match it was my name so yes I did authorise the transactions but I thought I was closing my other account so they couldn’t take anything.

So you saw a message in the app about the name of the account you were sending the money to matching the name you entered when making the transfer (your name)?

I does appear based on what you have said so far that this fraud should be eligible for the refund scheme.

colsten

If the fraudster used an account in your name, they will have a lot of your personal info since they managed to set up an account in your name beforehand. They also have access to your post, as they will have intercepted not only the debit card for this account but also the letter with the PIN. So the fraudster is somebody near you, possibly even living with you.

As an immediate measure, you should request a protective registration with CIFAS (google it).

Then talk to the bank which holds the account the money went to and have them block this account immediately. If need be, request help with this from your own bank.


Also check your credit reference files for any other accounts that may have got set up in your name. You need to do this for the next couple of months, as the data often gets updated only after long delays.

Lastly, change all your passwords - banking, email, social media accounts etc.

RebeccaTay29

masonic said:

RebeccaTay29 said:

The man who called me claiming to be from the bank (using the same number as the bank) convinced me that I needed to secure my money as it was at risk of being taken (I already feel like a stupid idiot for falling for it) so as I looked into my online banking the man took me through some steps to secure my account, I entered no passwords as everything is Face ID on my phone, I coukd see things changing on the app but just thought of corse then can access my account they are the bank!!

So did they get you to install something on your phone so that they could access it and take control of it?   Through my online banking app as soon as I signed in through Face ID they were able to access they coukd even tell me how much was in each account! 

RebeccaTay29 said:

so I proceeded enabling them to transfer the money by me authorising it (stupid I no) but I was in a panic thinking everything was going to go. I received no text from Halifax as I normally would however as soon as the phone call ended I just had a feeling something wasn’t right which is when I contacted the bank but it was too late it was all gone.

What did you do to authorise it? Through Face ID on the app and by clicking yes to switch the money over 

RebeccaTay29 said:

The bank also asked me the same question regarding the names matching the names did match it was my name so yes I did authorise the transactions but I thought I was closing my other account so they couldn’t take anything.

So you saw a message in the app about the name of the account you were sending the money to matching the name you entered when making the transfer (your name)? Yes the name was my name 

I does appear based on what you have said so far that this fraud should be eligible for the refund scheme.

Just so frustrated and angry. Bank told me I coukd use the £200 left in the overdraft (that I managed to surprise somehow) which I won’t be using as I will be leaving Halifax 

colsten

RebeccaTay29 said:

Just so frustrated and angry. Bank told me I coukd use the £200 left in the overdraft (that I managed to surprise somehow) which I won’t be using as I will be leaving Halifax 

Nothing of what you have posted so far points to Halifax being in any way responsible or negligent. From what you described, this could have happened to you with any bank. Someone who knows you, and who has access to your post and to your personal data, has tricked you into falling for a well-known scam. You are probably in line for more fraud, from the same person(s). Please take precautionary measures as I posted earlier.

phillw

RebeccaTay29 said:
The man who called me claiming to be from the bank (using the same number as the bank) convinced me that I needed to secure my money as it was at risk of being taken

If you still have your call history then make sure you don't delete it. This would be useful evidence that it was reasonable to believe you were talking to someone from the bank.
Although banks main job is to secure money, when criminals have access to your bank details then the bank can transfer the money into another account without your help. They sometimes say they need you to do it because someone at the bank could intercept it. If that was the case then they could do that whether you do it or not as well & if the bank has those problems then you can guarantee they are not going to tell you about it. They will do whatever it takes to cover it up.
I thought there was something being done to prevent phone number spoofing.

penners324

No bank will ever move money to a different account to 'protect it' from anyone.
If they say they are it's a SCAM

soulsaver

penners324 said:

No bank will ever move money to a different account to 'protect it' from anyone.
If they say they are it's a SCAM

And a whole load of warnings come up while setting up a new payee that were apparently ignored in this case...
I'd be surprised if the bank has to cover what could easily be a scam in which the OP2 is involved.