general bank account access fraud

acrchy

eskbanker said:

acrchy said:
a year down the line they sent me an invoice out the blue

[...]

 i dont like being threatened to pay as the money is being obtained by fraud 

If this relates to the story in the other thread, you say there that the claim company has now invoiced you £1700, over and above the other claim that you agreed to - they appear to be a fairly bog standard ambulance-chasing outfit but their typical no-win-no-fee business model seems to be to seek 24% of your settlement, which would obviously imply that they've successfully claimed a £7K PPI refund for you?

If this is the case, then you'd seem to have a choice between accepting the residual >£5K or calling them out on a point of principle (admittedly potentially illegal activity involved) but not being able to reclaim that refund yourself now that the PPI reclaim deadline has passed - how strong are your ethics....?

hi i dealt direct with barclaycard ,, the ppi company was refused access to my account by barclaycard  on the basis they submitted my signature too late ,,, after a year had passed and barclaycard payed me out by dealing direct the company lifted my signature and re~dated it to obtain access to my account the see how much barclaycard had paid me ,,, so the signature over a year later was not my signature at all but a copy ... made by them ,,, i only ever signed once and refused them access because of the recommendations on other sites not to use them 

acrchy

kaMelo said:

acrchy said:

born_again said:

acrchy said:

hi all has anyone had there bank details giving to a third party after the third party has forged your signature to obtain them? ,,, if so did you successfully claim compensation? ,,,if so who from ?...............................ive had my account accessed by a ppi company wanting to see how much money i was paid i have proof they forged my signature to obtain the details ..............

So can we assume that you engaged this company to claim PPI for you? 

If so you gave them permission when you signed up to them.

hi no i didn't give them permission to access any other account ,,, my origional signature was for another account ,, which they got paid or their work by me ,, but they tried to gain access to another account but the signature was out of date ,,, so bank contacted me personally and i reused to let the company get involved after what i found out about them in here ,, yet a year down the line they sent me an invoice out the blue ,,now i have the ombudsmen involved as they forged my signature to get my details over a year after it is out of date even the bank said something's wrong,,,, i dont like being threatened to pay as the money is being obtained by fraud 

What bank requires a signature to gain access?  (How 1920's)
On a side note, how does a signature "go out of date?"

it goes out of date due to finance regulations ,,its an agreement between finance 

colsten

acrchy said:

born_again said:

acrchy said:

born_again said:

acrchy said:

hi all has anyone had there bank details giving to a third party after the third party has forged your signature to obtain them? ,,, if so did you successfully claim compensation? ,,,if so who from ?...............................ive had my account accessed by a ppi company wanting to see how much money i was paid i have proof they forged my signature to obtain the details ..............

So can we assume that you engaged this company to claim PPI for you? 

If so you gave them permission when you signed up to them.

hi no i didn't give them permission to access any other account ,,, my origional signature was for another account ,, which they got paid or their work by me ,, but they tried to gain access to another account but the signature was out of date ,,, so bank contacted me personally and i reused to let the company get involved after what i found out about them in here ,, yet a year down the line they sent me an invoice out the blue ,,now i have the ombudsmen involved as they forged my signature to get my details over a year after it is out of date even the bank said something's wrong,,,, i dont like being threatened to pay as the money is being obtained by fraud 

When you started the claim via them, did you list all your accounts you had?

born_again said:

acrchy said:

born_again said:

acrchy said:

hi all has anyone had there bank details giving to a third party after the third party has forged your signature to obtain them? ,,, if so did you successfully claim compensation? ,,,if so who from ?...............................ive had my account accessed by a ppi company wanting to see how much money i was paid i have proof they forged my signature to obtain the details ..............

So can we assume that you engaged this company to claim PPI for you? 

If so you gave them permission when you signed up to them.

hi no i didn't give them permission to access any other account ,,, my origional signature was for another account ,, which they got paid or their work by me ,, but they tried to gain access to another account but the signature was out of date ,,, so bank contacted me personally and i reused to let the company get involved after what i found out about them in here ,, yet a year down the line they sent me an invoice out the blue ,,now i have the ombudsmen involved as they forged my signature to get my details over a year after it is out of date even the bank said something's wrong,,,, i dont like being threatened to pay as the money is being obtained by fraud 

When you started the claim via them, did you list all your accounts you had?

hi i ticked a box with barclays / barcaycard ,,,,,, but they did barclays which i paid or ,,, then over six months later they contacted barclaycard ,, barclaycard would not deal with them as the original signature was out of date ,,,, i was asked by barclaycard or a new signature which after i had seen the comments on here regarding the company i refused permission ,,,,,the company sent me numerous requests for a signature which i never gave ,,,, barclaycard proceeded to deal with me direct ,,,,, i was awarded a sum....but after a year i got the invoice from the claim company  ,,, i refused to pay as the company had not dealt with barclaycard ,,,, then all of a sudden barclaycard got the new signature from them...not me  to release details of how much barclaycard paid me ,,, the signature was lifted from the original then re dated ,,,the banking ombudsmen are waiting or the official reply to me from the company as i made the complaint of signature fraud ..

In summary:

• You employed the PPI company to retrieve your PPI payments from Barclays and from Barclaycard, for a 24% commission if successful.
• The PPI company retrieved your money from Barclays and it was paid to you, minus the agreed 24%.
• Whilst the PPI company were pursuing your PPI claim with Barclaycard, Barclaycard paid you the full PPI claim without any deduction.
• Your PPI claim firm now wants their 24% of your Barclaycard PPI refund.
• You don' want to pay that to them, even though it is due to them.
• You now need to pay the PPI company  the 24% of your Barclaycard PPI refund, or you need to pay a lawyer, who may or may not be able to prove that you don't owe the 24% to the PPI company, but who will definitely charge you for their services.
• Your choice whether you believe the lawyer's fees will be less or more than the 24% you owe the PPI company

acrchy

colsten said:

acrchy said:

born_again said:

acrchy said:

born_again said:

acrchy said:

hi all has anyone had there bank details giving to a third party after the third party has forged your signature to obtain them? ,,, if so did you successfully claim compensation? ,,,if so who from ?...............................ive had my account accessed by a ppi company wanting to see how much money i was paid i have proof they forged my signature to obtain the details ..............

So can we assume that you engaged this company to claim PPI for you? 

If so you gave them permission when you signed up to them.

hi no i didn't give them permission to access any other account ,,, my origional signature was for another account ,, which they got paid or their work by me ,, but they tried to gain access to another account but the signature was out of date ,,, so bank contacted me personally and i reused to let the company get involved after what i found out about them in here ,, yet a year down the line they sent me an invoice out the blue ,,now i have the ombudsmen involved as they forged my signature to get my details over a year after it is out of date even the bank said something's wrong,,,, i dont like being threatened to pay as the money is being obtained by fraud 

When you started the claim via them, did you list all your accounts you had?

born_again said:

acrchy said:

born_again said:

acrchy said:

hi all has anyone had there bank details giving to a third party after the third party has forged your signature to obtain them? ,,, if so did you successfully claim compensation? ,,,if so who from ?...............................ive had my account accessed by a ppi company wanting to see how much money i was paid i have proof they forged my signature to obtain the details ..............

So can we assume that you engaged this company to claim PPI for you? 

If so you gave them permission when you signed up to them.

hi no i didn't give them permission to access any other account ,,, my origional signature was for another account ,, which they got paid or their work by me ,, but they tried to gain access to another account but the signature was out of date ,,, so bank contacted me personally and i reused to let the company get involved after what i found out about them in here ,, yet a year down the line they sent me an invoice out the blue ,,now i have the ombudsmen involved as they forged my signature to get my details over a year after it is out of date even the bank said something's wrong,,,, i dont like being threatened to pay as the money is being obtained by fraud 

When you started the claim via them, did you list all your accounts you had?

hi i ticked a box with barclays / barcaycard ,,,,,, but they did barclays which i paid or ,,, then over six months later they contacted barclaycard ,, barclaycard would not deal with them as the original signature was out of date ,,,, i was asked by barclaycard or a new signature which after i had seen the comments on here regarding the company i refused permission ,,,,,the company sent me numerous requests for a signature which i never gave ,,,, barclaycard proceeded to deal with me direct ,,,,, i was awarded a sum....but after a year i got the invoice from the claim company  ,,, i refused to pay as the company had not dealt with barclaycard ,,,, then all of a sudden barclaycard got the new signature from them...not me  to release details of how much barclaycard paid me ,,, the signature was lifted from the original then re dated ,,,the banking ombudsmen are waiting or the official reply to me from the company as i made the complaint of signature fraud ..

In summary:

• You employed the PPI company to retrieve your PPI payments from Barclays and from Barclaycard, for a 24% commission if successful.
• The PPI company retrieved your money from Barclays and it was paid to you, minus the agreed 24%.
• Whilst the PPI company were pursuing your PPI claim with Barclaycard, Barclaycard paid you the full PPI claim without any deduction.
• Your PPI claim firm now wants their 24% of your Barclaycard PPI refund.
• You don' want to pay that to them, even though it is due to them.
• You now need to pay the PPI company  the 24% of your Barclaycard PPI refund, or you need to pay a lawyer, who may or may not be able to prove that you don't owe the 24% to the PPI company, but who will definitely charge you for their services.
• Your choice whether you believe the lawyer's fees will be less or more than the 24% you owe the PPI company

ok is this a lawyers opinion or just yours ,,i see it as they did not fulfill their contract as they let the signature become out of date ....and the fact that they copied my signature and re dated it means nothing?. i want real accounts not opinions ,, otherwise i would not have come on here ,,,with respect  im asking for real first hand experience so i can decide what to do ,,,, the ombudsmen are on my side allreay saying they where in the wrong

acrchy

acrchy said:

colsten said:

acrchy said:

born_again said:

acrchy said:

born_again said:

acrchy said:

hi all has anyone had there bank details giving to a third party after the third party has forged your signature to obtain them? ,,, if so did you successfully claim compensation? ,,,if so who from ?...............................ive had my account accessed by a ppi company wanting to see how much money i was paid i have proof they forged my signature to obtain the details ..............

So can we assume that you engaged this company to claim PPI for you? 

If so you gave them permission when you signed up to them.

hi no i didn't give them permission to access any other account ,,, my origional signature was for another account ,, which they got paid or their work by me ,, but they tried to gain access to another account but the signature was out of date ,,, so bank contacted me personally and i reused to let the company get involved after what i found out about them in here ,, yet a year down the line they sent me an invoice out the blue ,,now i have the ombudsmen involved as they forged my signature to get my details over a year after it is out of date even the bank said something's wrong,,,, i dont like being threatened to pay as the money is being obtained by fraud 

When you started the claim via them, did you list all your accounts you had?

born_again said:

acrchy said:

born_again said:

acrchy said:

hi all has anyone had there bank details giving to a third party after the third party has forged your signature to obtain them? ,,, if so did you successfully claim compensation? ,,,if so who from ?...............................ive had my account accessed by a ppi company wanting to see how much money i was paid i have proof they forged my signature to obtain the details ..............

So can we assume that you engaged this company to claim PPI for you? 

If so you gave them permission when you signed up to them.

hi no i didn't give them permission to access any other account ,,, my origional signature was for another account ,, which they got paid or their work by me ,, but they tried to gain access to another account but the signature was out of date ,,, so bank contacted me personally and i reused to let the company get involved after what i found out about them in here ,, yet a year down the line they sent me an invoice out the blue ,,now i have the ombudsmen involved as they forged my signature to get my details over a year after it is out of date even the bank said something's wrong,,,, i dont like being threatened to pay as the money is being obtained by fraud 

When you started the claim via them, did you list all your accounts you had?

hi i ticked a box with barclays / barcaycard ,,,,,, but they did barclays which i paid or ,,, then over six months later they contacted barclaycard ,, barclaycard would not deal with them as the original signature was out of date ,,,, i was asked by barclaycard or a new signature which after i had seen the comments on here regarding the company i refused permission ,,,,,the company sent me numerous requests for a signature which i never gave ,,,, barclaycard proceeded to deal with me direct ,,,,, i was awarded a sum....but after a year i got the invoice from the claim company  ,,, i refused to pay as the company had not dealt with barclaycard ,,,, then all of a sudden barclaycard got the new signature from them...not me  to release details of how much barclaycard paid me ,,, the signature was lifted from the original then re dated ,,,the banking ombudsmen are waiting or the official reply to me from the company as i made the complaint of signature fraud ..

In summary:

• You employed the PPI company to retrieve your PPI payments from Barclays and from Barclaycard, for a 24% commission if successful.
• The PPI company retrieved your money from Barclays and it was paid to you, minus the agreed 24%.
• Whilst the PPI company were pursuing your PPI claim with Barclaycard, Barclaycard paid you the full PPI claim without any deduction.
• Your PPI claim firm now wants their 24% of your Barclaycard PPI refund.
• You don' want to pay that to them, even though it is due to them.
• You now need to pay the PPI company  the 24% of your Barclaycard PPI refund, or you need to pay a lawyer, who may or may not be able to prove that you don't owe the 24% to the PPI company, but who will definitely charge you for their services.
• Your choice whether you believe the lawyer's fees will be less or more than the 24% you owe the PPI company

ok is this a lawyers opinion or just yours ,,i see it as they did not fulfill their contract as they let the signature become out of date ....and the fact that they copied my signature and re dated it means nothing?. i want real accounts not opinions ,, otherwise i would not have come on here ,,,with respect  im asking for real first hand experience so i can decide what to do ,,,, the ombudsmen are on my side allreay saying they where in the wrong

also the ppi company where not persuing the claim authorised by me as the time had lapsed for the contract i had with them regarding signature the fact i did not give them permision after they asked for it a few times should mean something no

eskbanker

acrchy said:

eskbanker said:

acrchy said:
a year down the line they sent me an invoice out the blue

[...]

 i dont like being threatened to pay as the money is being obtained by fraud 

If this relates to the story in the other thread, you say there that the claim company has now invoiced you £1700, over and above the other claim that you agreed to - they appear to be a fairly bog standard ambulance-chasing outfit but their typical no-win-no-fee business model seems to be to seek 24% of your settlement, which would obviously imply that they've successfully claimed a £7K PPI refund for you?

If this is the case, then you'd seem to have a choice between accepting the residual >£5K or calling them out on a point of principle (admittedly potentially illegal activity involved) but not being able to reclaim that refund yourself now that the PPI reclaim deadline has passed - how strong are your ethics....?

hi i dealt direct with barclaycard ,, the ppi company was refused access to my account by barclaycard  on the basis they submitted my signature too late ,,, after a year had passed and barclaycard payed me out by dealing direct the company lifted my signature and re~dated it to obtain access to my account the see how much barclaycard had paid me ,,, so the signature over a year later was not my signature at all but a copy ... made by them ,,, i only ever signed once and refused them access because of the recommendations on other sites not to use them 

Oh right, I don't recall reading that you'd claimed independently, which does put things in a different light.

Copying your signature and presenting it as yours may not actually be illegal if their rationale was solely to quantify their bill (that they're contending is legitimate) rather than for financial gain to which they weren't entitled (i.e. fraud), although at best it's unethical.

However, it seems to me that the crux of this is the contractual dispute between you and them, in that you say that they weren't entitled to claim a stake of that refund, while they obviously feel otherwise.  Nobody on here has sight of the agreement between you and them, but if you're confident that you have the contract and the law on your side then you can just reject their invoice and let them sue you.

The issue of them gaining access to the record of the payment is essentially a peripheral matter, i.e. even if they are held to account by anyone (such as FOS), in itself that wouldn't extinguish the (purported) debt, so you'd still have the bigger battle to fight....

born_again

Never known a signature go out of date. And how would barclaycard know it was out of date?
I would guess the 6 month delay is due to how busy Barclaycard were on PPI claims. I know our team dealing with them were months behind. They were due to be made redundant 2 months after the deadline on the claims, agreed before the deadline. Then received Around 25% more than the previous 6 months claims in the last week.. Permanent staff are still there now dealing with the back end of the claims.

I think the telling issue is you did give them permission to reclaim the PPI, then Barclaycard contacted you and you did it yourself..
If the company go to court it could be fun.

acrchy

born_again said:

Never known a signature go out of date. And how would barclaycard know it was out of date?
I would guess the 6 month delay is due to how busy Barclaycard were on PPI claims. I know our team dealing with them were months behind. They were due to be made redundant 2 months after the deadline on the claims, agreed before the deadline. Then received Around 25% more than the previous 6 months claims in the last week.. Permanent staff are still there now dealing with the back end of the claims.

I think the telling issue is you did give them permission to reclaim the PPI, then Barclaycard contacted you and you did it yourself..
If the company go to court it could be fun.

apparently it is an agreed thing in the finance ,, that the signature only lasts six months ,,,i did read it on a site somewhere i will try find it and copy and paste ,,, something to do with the finance industry 

acrchy

eskbanker said:

acrchy said:

eskbanker said:

acrchy said:
a year down the line they sent me an invoice out the blue

[...]

 i dont like being threatened to pay as the money is being obtained by fraud 

If this relates to the story in the other thread, you say there that the claim company has now invoiced you £1700, over and above the other claim that you agreed to - they appear to be a fairly bog standard ambulance-chasing outfit but their typical no-win-no-fee business model seems to be to seek 24% of your settlement, which would obviously imply that they've successfully claimed a £7K PPI refund for you?

If this is the case, then you'd seem to have a choice between accepting the residual >£5K or calling them out on a point of principle (admittedly potentially illegal activity involved) but not being able to reclaim that refund yourself now that the PPI reclaim deadline has passed - how strong are your ethics....?

hi i dealt direct with barclaycard ,, the ppi company was refused access to my account by barclaycard  on the basis they submitted my signature too late ,,, after a year had passed and barclaycard payed me out by dealing direct the company lifted my signature and re~dated it to obtain access to my account the see how much barclaycard had paid me ,,, so the signature over a year later was not my signature at all but a copy ... made by them ,,, i only ever signed once and refused them access because of the recommendations on other sites not to use them 

Copying your signature and presenting it as yours may not actually be illegal if their rationale was solely to quantify their bill (that they're contending is legitimate) rather than for financial gain to which they weren't entitled (i.e. fraud), although at best it's unethical.

"Copying your signature and presenting it as yours may not actually be illegal if their rationale was solely to quantify their bill (that they're contending is legitimate) rather than for financial gain to which they weren't entitled (i.e. fraud), although at best it's unethical".

 the only reason for them to copy my signature is to gain financially ,,,,i did refuse to enter contract with them ,,, as the t origional contract had run out of date when my signature ran out of date ,,,,, they sent me numerous letters to get my second signature ,,,,,which after reading other peoples revues on them i decided not to deal with them.........in my eyes copying a signature and re dating it is illegal ,,, they submitted a copy of my signature not my real hand written wet ink signature ...... i will await the outcome ,,, if the finance ombudsmen say i have to pay then so be it 

kaMelo

acrchy said:

kaMelo said:

acrchy said:

born_again said:

acrchy said:

hi all has anyone had there bank details giving to a third party after the third party has forged your signature to obtain them? ,,, if so did you successfully claim compensation? ,,,if so who from ?...............................ive had my account accessed by a ppi company wanting to see how much money i was paid i have proof they forged my signature to obtain the details ..............

So can we assume that you engaged this company to claim PPI for you? 

If so you gave them permission when you signed up to them.

hi no i didn't give them permission to access any other account ,,, my origional signature was for another account ,, which they got paid or their work by me ,, but they tried to gain access to another account but the signature was out of date ,,, so bank contacted me personally and i reused to let the company get involved after what i found out about them in here ,, yet a year down the line they sent me an invoice out the blue ,,now i have the ombudsmen involved as they forged my signature to get my details over a year after it is out of date even the bank said something's wrong,,,, i dont like being threatened to pay as the money is being obtained by fraud 

What bank requires a signature to gain access?  (How 1920's)
On a side note, how does a signature "go out of date?"

it goes out of date due to finance regulations ,,its an agreement between finance 

Your original post came across as being about bank accounts rather than PPI, now it makes more sense knowing you're talking about PPI.
The principle you are talking about, signatures having a six month validity, is contained here. Nothing to do with finance in general though, more specifically regarding LOA obtained by ambulance chaser firms.
https://www.bba.org.uk/policy/retail/complaint-handling/claims-management-companies/statement-of-principles-for-letters-of-authority-loa-for-ppi-complaints/