Cifas marker help

Legacy_user

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fwor

shakejake34 wrote: »

The person in question had used one of my devices which my account details were saved onto, which not only explained the same IP address but also how this this person had access to my bank card and so on.

I suspect that this admission will cause you problems. All banks require (as part of their T&Cs) that you take care to keep login information for online access secure, and that you do not disclosed it to anyone else.

If you have admitted the above to the bank then they have clear evidence that you have not taken sufficient care with that information.

It's not unreasonable for them to expect you to password-protect your devices so that if, for example, one of them gets stolen, the thief cannot use it to log in to your bank account.

System

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System

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fwor

The biggest problem for them, I guess, is that with the evidence that they have - that the transaction was from one of your devices, at your home - they cannot rule out collusion between you and the fraudster.

So... they are assuming the worst, rather than the best.

I'm not sure what you could do to convince them to see it otherwise because, to them, both possibilities are equally likely.

System

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d123

shakejake34 wrote: »

HI all and thank you for accepting me onto this vital resource.

I will try and keep this as short as possible.

I noticed fraudulent activity on my Tesco Bank Account back in May 2019 amounting to £450.00 and as soon as I had realised what had happened, I contacted both Tesco Bank and Action Fraud To my amazement Action Fraud said that this is a common issue and logged my complaint / crime and gave me a crime reference number, I then duly rang Tesco Bank and had the card cancelled and raised a fraud case, to which their adviser told me that the money WAS clearly fraudulently taken and that the monies would be back in my account within 24 hours.

Roll on 24 hours and the money was still not in my account, so I duly rang Tesco Bank again and to my amazement when I got through their adviser informed me that I was told the incorrect information and that the entire claim had been sent to the complex investigations department and therefore, I would have to wait for a response which had no time frame to meet. I then asked them to close all my accounts with Tesco bank and raised a complaint against them.

I appreciate many of you are going to say well that was a knee jerk reaction, however being on disability benefits and universal credit to me that £450.00 was a lot of money to lose and as a result I am now in rent arrears for the first time in my 2 year tenancy, which has been sorted to some extent with a very understanding council worker who explained it was not my fault and set me up with a payment plan.

Anyway I digress, apologies.... I left it at that until 20th June 2019 and contacted them again, this time I was told that the investigation had been completed and that I was being held liable for the money stolen and as a result I would not be getting a refund. They also refused to uphold my complaint despite giving me £25.00 compensation, which seems off to me.

I have been nothing but upfront with Tesco bank and had informed them that I was living with someone at the time, and that this person had clearly stolen the money in question, this was also explained to action fraud whom are currently trying to trace said individual....

The person in question had used one of my devices which my account details were saved onto, which not only explained the same IP address but also how this this person had access to my bank card and so on.

I then received a letter from my new banking provider Barclays stating that due to a review of my circumstances, they are closing my account on 1st August 2019, when I asked for an explanation, I got the standard response, “sorry we do not have to tell you anything”.

It was at this point that I was in complete meltdown and did not know where to turn to, so I did some internet research and found that this is a common issue which may mean that I have a CIFAS mark registered against my name. So I applied for information from CIFAS
and then found out that Tesco bank has registered a CIFAS mark against me for first party fraud.

I therefore contacted both Tesco bank and a solicitor with my "free 1 hour legal advice" for more information and registered a complaint against Tesco bank once again appealing the CIFAS mark as this has wholly been unjustified and clearly not properly investigated.

I have now received a final response letter form TESCO BANK stating that they disagree with all of my claim and my complaint. I am now at a complete loss as to what to do next, I have spoken to CIFAS who are happy to mediate, but I am seriously toying with going through the courts and asking for damages as this is surely a a violation of principles 4 and 6 of the DPA.

I will therefore not only be entitled to compensation but also damages + interest under the section 13 of the DPA. I do not have a clue about any of this, only what my "free 1 hour legal advice" got me....

How much should I ask for? Is there anything I am missing, I am in a complete state and my mental health is worse than ever due to this. Add to all of that as if that was not enough, I am now without a bank account as my CIFAS marker is preventing me having even a post office account.

I am now having to have my benefits paid into my mates account until such a time as I can get this matter resolved which is clearly not ideal whatsoever.

Any help would be gratefully appreciated

Jake

Does the Tesco Bank app not require some form of security login when opening the app on your phone and/or when transferring money out of the account?

Every banking app I’ve used has asked for password/fingerprint/lock code to access the app and to set up a new payee.

System

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sheramber

[QUOTE=shakejake34;76109817 ,
This all about the CIFAS marker..... add to that I have never EVER needed to make a claim at all. It's just been badly handled by TESCO BANK......[/QUOTE]

I then duly rang Tesco Bank and had the card cancelled and raised a fraud case,

That is a claim.
You claimed fraud had been committed and you wanted your money back

colsten

I think you are on a hiding to nothing, as fwor has already explained.

Telling people that you accept the £450 is lost makes matters even worse for you as this could be seen as evidence for possible collusion.

d123

shakejake34 wrote: »

I am so sorry, I am very rubbish at explaining things, This was a case where the card was misused. The Google account has my Bank Card details stored on it and that person had access to the device despite it being password protected, again all explained to the bank and action fraud, Since this has happened I no longer store any details on google including passwords etc.

I do not know how said person knew the password to said device, but the police suspect knowing me it helped.... anyway the main issue is NOT the money I do not care about money never have, This all about the CIFAS marker..... add to that I have never EVER needed to make a claim at all. It's just been badly handled by TESCO BANK......

Exactly how was the money taken/spent?