Please help with c/c fraud

harsh_but_fair

Translation: yeah right...

phillw

nebo2019 said:

3)fraud happened on 7th /06 and bank investigated and sad my pin is used im responsible.

Yeah,they try that on.
The important thing to do is say you didn't make the transaction, you haven't given your pin to anyone else or written it down, your card is always in your wallet which you keep on your person at all times & you believe that your details must have been disclosed by one of the banks employees or their agents.
They try to claim that chip and pin is a foolproof system, but there have been issues with it that have allowed cards to be cloned and they know it.

Gerry1

Shoulder surfing when used in an ATM, or a spycam fitted to an ATM?

On the phone, most banks are stupid enough to ask for little more than postcode, mother's maiden name (often widely available and shared) and Date of Birth which is known to thousands including office colleagues (cakes / drinks), everyone that sends a birthday card, NHS (including doctor's surgery and pharmacy), insurance companies, energy companies, credit reference agencies, probably even the postman.

TizerBunny

Gerry1 said:

Shoulder surfing when used in an ATM, or a spycam fitted to an ATM?

On the phone, most banks are stupid enough to ask for little more than postcode, mother's maiden name (often widely available and shared) and Date of Birth which is known to thousands including office colleagues (cakes / drinks), everyone that sends a birthday card, NHS (including doctor's surgery and pharmacy), insurance companies, energy companies, credit reference agencies, probably even the postman.

Or possibly and perhaps most likely Facebook.

I just want to wish OP good luck and I hope you're making some progress. I'm in a similar situation with Halifax, only fraud was done by merchant and not identity thief. The almost comical standard letter responses are stressful and not helpful I know.

Have you followed all the advice on https://ico.org.uk/your-data-matters/identity-theft/

Assuming the debt eventually goes to court you'll have the chance to challenge it. Best Wishes.