Please help with c/c fraud

nebo2019

Thanks born_again
no one has access to my card or pin or i have ever written down.teraced house not sharing letter box with anyone.
adreess is the key!i can not change my adress on credit file but been updated by creditors.when you change and i havent myself ,card company change address and send to credit file agencies .so that means someone got my details to contact halifax or i mentioned lost card used to obtain another card. and deliver to that address 

nebo2019

yes Gary!and that was strange to people in brunch too.as at some point i was suspitious that fraud comes from the bank and decided only to talk from the brunch when dealing with card services.few members of staff know what was going on with me and mentioned this is wrong.they belive or not in what you say after even suspition on fraud full card details should be changed 

nebo2019

THanks guys to all of you!you given me strengh!its been a year and im crying for help .ended up living on the street but paying for my property and cant leave in in fear that someone would come and get my staff.restless and tired ,confused.Im hours spending every day searching and calling services and no one mentioned ever subject access request even from highest finantial institutions
many thanks

nebo2019

Gerry1 said:

Are you saying that you are in possession of four replacement cards all with the same long number and bearing the same issue date of 05/19, but that they went sent to you in June, August, September and October 2019?

yes Gary!and that was strange to people in brunch too.as at some point i was suspitious that fraud comes from the bank and decided only to talk from the brunch when dealing with card services.few members of staff know what was going on with me and mentioned this is wrong.they belive or not in what you say after even suspition on fraud full card details should be changed 

born_again

nebo2019 said:

Thanks born_again
no one has access to my card or pin or i have ever written down.teraced house not sharing letter box with anyone.
adreess is the key!i can not change my adress on credit file but been updated by creditors.when you change and i havent myself ,card company change address and send to credit file agencies .so that means someone got my details to contact halifax or i mentioned lost card used to obtain another card. and deliver to that address 

So if you did not change the address with Halifax. Then who did and how did they get through security to change the address? Yet you say you got 4 cards.

There is far more to this story than is being told.
Branch staff will tell you what you want to hear as they are face to face with you and do not have the experience of card fraud.
When you are dealing with PIN trans. It is up to you to convince Halifax it was not you. As the PIN should not be known to anyone else. Halifax will know exactly when it was either last requested or changed at a ATM. 
As someone who deals with this on a daily basis, there is nothing in what you are saying that makes sense to give any hope of refunds.
And when someone tries to blame the bank for it.... Who do you think the branch staff work for?

harsh_but_fair

Although it is difficult to completely understand your post I believe that you have had some fraudulent transactions on your credit card and have made a complaint to Halifax who have rejected your complaint saying the pin was used

you then further complained to the Financial Ombudsman Service who also rejected your complaint presumably on the same grounds

If my reading of your post is correct then unfortunately you have no further recourse other than the courts

nebo2019

born_again said:

nebo2019 said:

Thanks born_again
no one has access to my card or pin or i have ever written down.teraced house not sharing letter box with anyone.
adreess is the key!i can not change my adress on credit file but been updated by creditors.when you change and i havent myself ,card company change address and send to credit file agencies .so that means someone got my details to contact halifax or i mentioned lost card used to obtain another card. and deliver to that address 

So if you did not change the address with Halifax. Then who did and how did they get through security to change the address? Yet you say you got 4 cards.

There is far more to this story than is being told.
Branch staff will tell you what you want to hear as they are face to face with you and do not have the experience of card fraud.
When you are dealing with PIN trans. It is up to you to convince Halifax it was not you. As the PIN should not be known to anyone else. Halifax will know exactly when it was either last requested or changed at a ATM. 
As someone who deals with this on a daily basis, there is nothing in what you are saying that makes sense to give any hope of refunds.
And when someone tries to blame the bank for it.... Who do you think the branch staff work for?

not me! and noone could get my pin or card unless stolen.if was stolen mine i would know.i thing address on file was request from someone stealing some way my details and ordered a new card.
i was that day on different location around 15 miles away from were purchases were made,in a hotel and booking made trough  booking..om with that card on file.used for transport until hotel and few different receipts transactions for food,shop,drink and just went to hotel,slept and before 11 left the area.same card was used for small purchases but for hotel room to pay was declined.
in the same day they done purchases with that cloned or whatever card

Life__Goes__On

Would like to help, is it possible for you to get someone to put it into readable English, as I think all members of the forum are struggling.

harsh_but_fair

Translation: the OP has had fraudulent debits to his card and has complained to his bank and to the FOS both of which have rejected his complaint.

born_again

Well Booking.com will not be a PIN transaction.
The more I hear, the less I understand.