APP Scam - advise needed on how to get bank to reconsider

newlease

colsten said:

which bank are we talking about, btw?

colsten said:

You still have not named the bank.

colsten said:

Boa21 said:

Contact one of the newspaper money experts, Guardian money or similar. It's amazing how often press interests triggers a rethink on the part of big institutions!

Briiliant idea. In this specific case, it would give the yet unnamed bank a superb opportunity to explain publicly why they have taken the decision they have taken. 

You should ask the name of bank a fourth time I think. It is incredibly important to be obsessing about and will absolutely change the recommendation and njb1001 probably hasn't seen it and no way is ignoring.

colsten

newlease said:

colsten said:

which bank are we talking about, btw?

colsten said:

You still have not named the bank.

colsten said:

Boa21 said:

Contact one of the newspaper money experts, Guardian money or similar. It's amazing how often press interests triggers a rethink on the part of big institutions!

Briiliant idea. In this specific case, it would give the yet unnamed bank a superb opportunity to explain publicly why they have taken the decision they have taken. 

You should ask the name of bank a fourth time I think. It is incredibly important to be obsessing about and will absolutely change the recommendation and njb1001 probably hasn't seen it and no way is ignoring.

You clearly haven't thought this through. Knowing which bank will enable those of us who use this bank to make much more informed comments on the procedures involved in setting up one or more new payees (something which quite obviously has happened in this case, and is the main reason the old chap lost his money). So yes, I am asking for the name of the bank for a fourth time. 

njb1001

Thank you all for your comments. I was not not ignoring you, I was simply unavailable at the weekend.
@eskbanker - thank you. I will try to look at finding out exactly why the bank are rejecting the claim.
@colsten - thank you for your question - I have already checked how a new payee is set up. I do not want to name the bank at this stage.

colsten

njb1001 said:

@colsten - thank you for your question - I have already checked how a new payee is set up. I do not want to name the bank at this stage.

Fair enough, your choice. Obviously nobody can make any suggestions about possible shortfalls if we don't know which bank it is.

Yorkshire_Pud

 OP you need to spice it up a bit to make it more interesting for the unpaid advisors on here to bother.
How much £?
Which bank?

Those facts are actually important to the discussion.
I have two magic words that I use when a fraudster calls me. That tends to nip any ensuing   attempts to rob me in the bud.
Everyone that gets conned thinks it’s someone else’s fault but it isn’t. Banks certainly do keep advising about scams ad nauseam and making everyday banking online an increasing pain in the asterisk.

If banks refunded every APP fraud then it would become a way of anyone to  carry out fraud. Delicate balance for the banks. 

If the bank really did something wrong then hopefully they or the ombudsman will change the decision. But it reads like the main faults are closer to home, older people are more vulnerable to fraud being more trusting but that only means their nearest and dearest need to step in and help or nominated trusted person to filter approaches by scummy con people.

eskbanker

It's often difficult to get the balance right but I'd agree with the general sentiment that more info would be useful, and in particular a reasonably comprehensive description of the exact sequence of events.  There has been some drip-feeding of additional detail not mentioned up front, such as:

njb1001 said:
After flagging the initial transaction as questionable, why was the receiving bank not advised to hold the payment back?

njb1001 said:
Parent complained whilst the scam was in progress. Bank had ample opportunity to trace - and indeed stopped further transactions.

Even if not naming the bank, further specific info about what was done and seen would help, such as the extent to which Confirmation of Payee kicked in, and the wording of messages being deemed contentious - it seems to me that a pivotal issue will be whether or not Effective Warnings were given.

OP - it's your prerogative to keep your cards close to your chest but, as above, this will compromise others' abilities to offer constructive suggestions....

njb1001

I have tried to put in as much information as I can. A nervous wreck is on the other end of the phone trying to explain it to me. Thanks for all of your help. I will post again when we have had heard back from the bank.

njb1001

Update: Parent wrote a response to the bank's initial rejection. Bank has now confirmed that they are investigating further. I understand that the bank may now take 8 weeks to give a final decision.

lovelylass_2

njb1001 said:

Update: Parent wrote a response to the bank's initial rejection. Bank has now confirmed that they are investigating further. I understand that the bank may now take 8 weeks to give a final decision.

Hi  My mum has been a victim of this scam this week.  Did you get a response from the bank?

born_again

lovelylass_2 said:

njb1001 said:

Update: Parent wrote a response to the bank's initial rejection. Bank has now confirmed that they are investigating further. I understand that the bank may now take 8 weeks to give a final decision.

Hi  My mum has been a victim of this scam this week.  Did you get a response from the bank?

Last Active

25 September 2020 at 9:33AM

Sad when users post, then disappear without updates.