LLOYDS BANK CIFAS MARKER!

indialomax89

I have recently been a victim of fraud. I recieved a text message saying that my fraud claim was being looked into. I immediately phoned the bank and told them i havent made a fraud claim. The lady on the phone was extremely apologetic and said this would be looked into. 

The following day, i recieved another text message saying that the claim had been denied. I thought excellent its been dealt with. Then further recieved another text saying my accounts were being closed down. I immediately rang the bank to which they couldnt give me any further information as the department was closed. 

The following day i recieved a phone call from my car finance company stating i was in arrears of £3195. I stated that was impossible as i pay by direct debit. They informed me that i had returned payments from the bank. Alarm bells rang! 

I rang the bank again to which they comfirmed my accounts had closed, that the money had gone into my bank. I looked on my banking app to then find £1540 going to a Cathy Rodriguez. I hadnt made that payment. 

The bank have a recorded phone call of the fraudsters ringing and doing a direct debit claim on my car finance. 

Since investigating into this via fraud and complaints they have been unprofessional and asked me nothing but inappropriate questions insinuating i have been an accomplice. Do i have anything to tell them? Was one of the questions asked. 

These people not only have got through security which is far from tight with no questions of my mothermaiden name or first pet! They have then managed to get into my app and transferred the money as though its me. This is well known with all banks and has been in the newspapers warning the nation of these god awful people. 

I have since had to move to natwest, to which i have to say has the best security. Not only do they ring and check its me, the send security codes to my phone so i can say that its me sending money. Lloyds have in my opinion failed me as a bank. I have been a loyal customer, i have a personal loan and credit cards to which i have kept upto date payments. 

Through doing research and going onto plenty of forums it appears Lloyds unprofessionalism is quite apparent. Also just assuming good honest hard working people like myself that have been victims of fraud are being labelled and placed on CIFAS. 

xlnc99

All sounds fishy. First of all, you get a a text saying a fraud claim has been looked into? U say u didnt make this claim .. So you are telling me that someone scammed your bank account and then decided to make a fraud claim pretending to be you saying your bank account has been compromised?

Then your car finance rings you to tell you you are in arrears of over 3k? Your monthly payments would be 300 - 500 at most for car finance? So that suggests you have missed 6 months payment at least? You telling me you dont check your bank account for 6 months? Second of all, if you missed one payment then you would get a letter or an email saying your payment has bounced, they wouldn't wait 6 months to collect it. 

Thirdly - You are saying the scam is such in which someone has pretended to be you and called the bank reclaiming the direct debits to your car finance then once they reiceve them back they transfer that to another account. Ive never heard of such a scam in my life, way to complicated and risky for a scammer. Also this would take time and also you would get calls/letters from llyods about this investigation. It would not happen overnight.

Fourthly - You say this scammer used your app to transfer money to this cathy person? How would they get into your app?

Finally - are you telling me you dont check your finances on a regular basis to see the ins and outs?


If by some miracle what you have said is true then it will be someone close to you or a family member rather then a scammer.

xlnc99

Also - U dont have a CIFAS marker otherwise Natwest would not have given you a bank account. Although it could be they havent done the check it so it may still be closed down in the next week or two. If your account is still open and safe after a month then you will not have a CIFAS marker.

indialomax89

This is what i dont get ive still got the txts so i recieved a txt saying ur fraud claim is being looked into! Rang the bank and they couldnt give me any info on this said it would be looked into.
The following day i recieved 2 other messages claiming the fraud had been declined and accounts closed (still have txts) again ring bank department closed. Ring back tomorrow.
Next day motonovo ring me, ur in arrears £3200 i sed thats impossible i pay every month! Yes we can see that but the bank has requested funds. I said thats impossible because i havent requested the funds. 
Ring the bank, they inform me fraud activity has happened on the account they have closed my accounts. Then forwarded to tell me they have a recording of man and women pretending to be me and my brother (dont have a brother). I sed what security questions were asked. (they listened to the recording) Name address dob! I said wheres the security questions? Couldnt answer that!
I logged into my app, found £3200 had gone in £1540 taken out. I hadnt recieved anything recipient txt, no txt to say money had gone in! These are all set up. I genuinely hadnt checked my account other than the day i first rang the bank and no money was in there. They then obviously blocked my account the day after.
Im furious been called a liar, labelled a fraudster when i genuinely havent done anything.