Facebook Messenger Scam/Monzo Bank

Lomast

I am afraid I can't see you getting it back. Monzo have not yet implemented payee verification yet as far as I know. 

colsten

Davidnotmark said:

It did after I had sent it. But like I stated earlier the original message said that she couldn't get onto her account. 

She couldn't get onto her account" [on which the DDs were due]. So you sent here money to a different account, which didn't have the DDs. How would she have paid the DDs? 

Davidnotmark said:

.....as the other bank is FSSC regulated....

FSSC? Google has that as Food Safety System Certification?

Davidnotmark

colsten said:

Davidnotmark said:

It did after I had sent it. But like I stated earlier the original message said that she couldn't get onto her account. 

She couldn't get onto her account" [on which the DDs were due]. So you sent here money to a different account, which didn't have the DDs. How would she have paid the DDs? 

Davidnotmark said:

.....as the other bank is FSSC regulated....

FSSC? Google has that as Food Safety System Certification?

Well presumably she would have then transferred the money to the account with the direct debits due - I realised afterwards this was an error of judgement on my part and it seems that it may end up being a very expensive error of judgement. I just came here to see if there is any advice or support anyone could offer. 

I meant FSCS!

colsten

Lomast said:

Monzo have not yet implemented payee verification yet as far as I know. 

They have.

If the OP got a match with his niece's name when sending the money, then the receiving account was in the niece's name. There could be several explanations for why the account was in the niece's name:

1. it is indeed an account held by the niece, and she knows about the account because she has set it up. I.e. she is the scammer
2. it is indeed an account held by the niece, and she does not know about the account as some scamsters have set it up in her name (so they know all her personal details). I.e. she is innocent but utterly negligent with her personal information
3. it is, by sheer co-incidence, the account of somebody who has the same name as the niece, and who thought it would be a good idea to scam her aunt/uncle out of some money, after they had hacked into the niece's Facebook account. As per above, the niece has been utterly negligent if anyone has been able to send messages from her Messenger

J_B

Perhaps

4. The scammer set up an a/c in niece's name to receive money then moved it elsewhere.

Aylesbury_Duck

5. OP is in on the whole thing and this entire thread is set up to either provide contextual evidence to the bank, or to draw challenges from other posters to help how rehearse responses to similar challenges from the bank.

However, my money's on 1 or 2.

Davidnotmark

So how can I find out if they did indeed set up an account in her name? Monzo should be able to find that out? If they have haven't, and Monzo have sent the money to an account without a name attached to it, is that negligent on their part?

Davidnotmark

Aylesbury_Duck said:

5. OP is in on the whole thing and this entire thread is set up to either provide contextual evidence to the bank, or to draw challenges from other posters to help how rehearse responses to similar challenges from the bank.

However, my money's on 1 or 2.

Im in on the whole thing? I've come here to try and find out some information and to ask for help because I've been conned out of a lot of money - like anyone would do. Thanks for helping to turn an already terrific week into an abysmal one.

colsten

Davidnotmark said:

I meant FSCS!

FSCS is not a regulator.

Davidnotmark said:

Well presumably she would have then transferred the money to the account with the direct debits due - I realised afterwards this was an error of judgement on my part and it seems that it may end up being a very expensive error of judgement. I just came here to see if there is any advice or support anyone could offer. 

You sent several hundred pounds to a new account,  to settle DDs on an old account, without having reconfirmed with your niece what this is all about, and how she would settle those DDs on the old account?

 Davidnotmark said:

So how can I find out if they did indeed set up an account in her name? Monzo should be able to find that out? If they have haven't, and Monzo have sent the money to an account without a name attached to it, is that negligent on their part?

Can you clarify what you mean when you say "Monzo have sent money to an account without a name attached to it"? 

Aylesbury_Duck

Davidnotmark said:

Aylesbury_Duck said:

5. OP is in on the whole thing and this entire thread is set up to either provide contextual evidence to the bank, or to draw challenges from other posters to help how rehearse responses to similar challenges from the bank.

However, my money's on 1 or 2.

Im in on the whole thing? I've come here to try and find out some information and to ask for help because I've been conned out of a lot of money - like anyone would do. Thanks for helping to turn an already terrific week into an abysmal one.

It's not an implausible scenario, given your account of things so far.  It's possibly what the bank will consider as a potential scenario.  Up to you whether you take it personally or use it to help your case.