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My dad has been scammed out of £19,000
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Yahoo_Mail said:AWOL84 said:colsten said:AWOL84 said:Dr_Crypto said:So they somehow changed the account number and sort code for that payee?I’ve had a look at the NatWest App and the only changes that can be made is to the reference and the amount.
Just trying to think how they’ve done that.If people and NatWest themselves are saying it’s impossible to do this without using a card reader then they must have used a different method.
As I say the payee name was the same as a legitimate one used nearly a year ago. My dad has a text from NatWest saying that the payee has been amended.
A card reader was not used at all today.I’ll update you all as soon as the bank have been in touch.
If £19,000 have indeed been sent from your father's account, there are a number of possibilities:- he is in collusion with the recipient of the money and is telling his wife and you a pack of lies on what happened. E.g. the alleged text message could have been spoofed by the recipient
- he has severe memory lapse and doesn't remember using the card reader at least once, may be several times
- you are not reporting the events as he reported them to you
I’ve seen the text from NatWest myself which said about the payee being amended. It was definitely from NatWest as he received a further text asking for a code when we was on the phone to NatWest after realising the fraud had taken place.
I’m not going to go over it any further as you clearly think I’m lying or making it or that my dad is.
Ill update everyone as soon as I have it.
What was the exact text you got?0 -
Can the OP take a look at the payee now to see what got changed?0
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colsten said:Yahoo_Mail said:AWOL84 said:colsten said:AWOL84 said:Dr_Crypto said:So they somehow changed the account number and sort code for that payee?I’ve had a look at the NatWest App and the only changes that can be made is to the reference and the amount.
Just trying to think how they’ve done that.If people and NatWest themselves are saying it’s impossible to do this without using a card reader then they must have used a different method.
As I say the payee name was the same as a legitimate one used nearly a year ago. My dad has a text from NatWest saying that the payee has been amended.
A card reader was not used at all today.I’ll update you all as soon as the bank have been in touch.
If £19,000 have indeed been sent from your father's account, there are a number of possibilities:- he is in collusion with the recipient of the money and is telling his wife and you a pack of lies on what happened. E.g. the alleged text message could have been spoofed by the recipient
- he has severe memory lapse and doesn't remember using the card reader at least once, may be several times
- you are not reporting the events as he reported them to you
I’ve seen the text from NatWest myself which said about the payee being amended. It was definitely from NatWest as he received a further text asking for a code when we was on the phone to NatWest after realising the fraud had taken place.
I’m not going to go over it any further as you clearly think I’m lying or making it or that my dad is.
Ill update everyone as soon as I have it.
What was the exact text you got?
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Yorkshire_Pud said:AWOL84 said:Yorkshire_Pud said:AWOL84 said:Yorkshire_Pud said:AWOL84 said:colsten said:AWOL84 said:Yahoo_Mail said:Mickey666 said:MalMonroe said:The fact that there was a note on the account not to allow the withdrawal will go a long way to helping you recoup your dad's money. They ignored their own instruction.
I'm more concerned about why and how anyone was allowed to withdraw such a large sum, electronically, in just one transaction.
Let's hope they do a full and thorough investigation after they've returned your Dad's money.
If they don't return it, you have a very good case to take to the Financial Ombudsman here.
Best of luck to the OPs Father though.
Incidentally, I just logged into my RBS account (same system as Natwest) to see if my card reader was required to amend the sort code and account number of a payee and it won't let me change anything other than the reference, and even doing that required a card reader. The only way to send money to a different sort code and account number combination is to set up a new payee and that also requires a card reader.
It can't have happened the way the OP claims it did, the OP's father definitely had to set up a new payee and use a card reader. Probably won't make any difference with the complaint, but might best to find out exactly what happened before they speak to the bank again.No card reader was used, dad doesn't even known how to use it.Text message from Natwest says "The payee details for XXX have been updated on the 27/10 as requested, if you didn't make this request contact us immediately"
What benefit would I have to lie about that? A card reader WAS NOT USED.An existing payee who my dad last paid back in November 2019 (legitimately) was the name used to transfer £19,000. My dad has a text on his phone saying that the payee had been amended.
That is a cast iron fact.
Apart from that there are major discrepancies in your account of the fraud and the plausibility of it happening the way you say. Hence the many incredulous responses. Strange that NatWest operate differently for your dad or the fraudsters than the rest of their customers.
My dad certainly didn’t use one.
IT DOESN'T ADD UP.0 -
Natwest do routinely warn people from sending money to strangers, and from downloading software at the request of callers. every time you log in.
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I guess the scammer could either be the original payee or have also hijacked the payee’s account?You do get a text when amending a payee reference:
“The payee details for [payee] have been updated on [date] as requested by you. If you didn't make this request, please contact us urgently.“0 -
Or they could be in possession of the father's card or potentially a skim of it.0
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Dr_Crypto said:I guess the scammer could either be the original payee or have also hijacked the payee’s account?You do get a text when amending a payee reference:
“The payee details for [payee] have been updated on [date] as requested by you. If you didn't make this request, please contact us urgently.“0 -
Lorian said:Or they could be in possession of the father's card or potentially a skim of it.1
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