Fraudulent activity - Halifax

colsten

soulsaver said:

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.

She claims the name check confirmed that the other account was in her name, so no mismatch warning came up. I.e. the fraudster had set up an account using her credentials, at some stage before the phonecall. So the fraudster most likely knows her name, DOB and address, otherwise the electronic ID verification would have failed. Further, when the bank sent the debit card and PIN for the new account, the fraudster will have intercepted both of them, as she knew nothing about the new account until "the bank" rang her on Monday.

The other option is, as you say, that she was involved in the scam.

The bank(s) will be investigating all the information they have on their system(s), and will conclude in due course.

masonic

Based on previous responses, the fraudsters had remote access / remote control of her phone. The most likely scenario is that no account was opened in her name, the money was sent to a completely different account, and the phone display was manipulated to make it appear CoP matched.

At this stage a formal response from Halifax would be useful, including the specific reasons why Halifax believes she has been negligent. If there are discrepancies between what Halifax observed and what she observed, then that would support the above theory.