bank closed sons account and accused him of fraud

masonic

elsien wrote: »

I'm confused. Why does your son have to pay the money back to himself if it was his money in the first place?
(I presume when you say "we" have to pay it back you mean your son as clearly if it's not your account it's not your responsibility.)

Presumably it dipped into one of those wonderful student interest-free overdrafts.

PasturesNew

elsien wrote: »

I'm confused. Why does your son have to pay the money back to himself if it was his money in the first place?
(I presume when you say "we" have to pay it back you mean your son as clearly if it's not your account it's not your responsibility.)

I presume he had some overdraft facility that was maxed out.

masonic

PasturesNew wrote: »

In my opinion... a serious and very unusual crime has occurred here. This is probably a newly emerging trend the banks aren't up to speed on yet.

Back in my student days, nearly 20 years ago, I remember warnings about this sort of thing after the president of our student union had his drink spiked and wallet stolen on a night out. So not entirely new. It's not a massive leap from this to a situation where someone is incapacitated and can have their finger placed on their phone.

PasturesNew

masonic wrote: »

Back in my student days, nearly 20 years ago, I remember warnings about this sort of thing after the president of our student union had his drink spiked and wallet stolen on a night out. So not entirely new. It's not a massive leap from this to a situation where someone is incapacitated and can have their finger placed on their phone.

Drugging and kidnapping in order to use somebody's finger's a bit new though....

masonic

PasturesNew wrote: »

Drugging and kidnapping in order to use somebody's finger's a bit new though....

Indeed, not sure why it was necessary to remove him from the venue in order to carry out the theft.

Edit: Here's an article from 5 years ago illustrating another situation in which fingerprint readers fail vs. a strong password: https://techcrunch.com/2013/09/20/fingerprint-unlock-while-sleeping/

Lorian

Does knowing where he was taken to shed any light on the incident? Presumably somewhere unusual.

EachPenny

masonic wrote: »

Indeed, not sure why it was necessary to remove him from the venue in order to carry out the theft.

To allow adequate time for the money to transferred to safety before the victim can report it and get the account(s) blocked?

But as you say, that could be achieved by methods other than driving for an hour to get to the middle of nowhere.... the petrol cost alone would eat into the thieves profit margin. :think:

optomystic

he banged on someones door and they called the police. (all of this is being investigated )

i cant answer the questions about where they took him, but it was interesting to see how your phone sends out location pings ALL the time and where it went afterwards.
i certainly have learnt a lot.

we are just thankful he is ok...and they didnt harm him, god knows what they would have done to a girl.

he has got a victim support officer and keeps the investigating officer up to speed with whats happening at the bank.

and yes he was in his overdraft.

masonic

And he was over 18 at the time the transfers were made?

Even if not, it certainly seems wrong for the bank to hold him grossly negligent, which is the requirement not to write off the debt.

xylophone

As above - your son was a victim of assault (spiking the drink), kidnapping and theft.

These crimes have been reported to the police.

In the circumstances described, I fail to see how he can be accused of committing fraud - he is rather the victim of fraud - and the CIFAS marker seems totally unjustified.

He should certainly contact the FOS and make a formal complaint.