Help!

born_again

lisajday said:

No I'm not a business just a sole trading trying to make living! Surely the garage should have adequate security on their website/email?
 

Ever heard of due diligence?

If I was making a purchase and received a email a day before payment was due, advising of change of bank details. The 1st action would be to ring them and double check.
This is such a old & well know scam.

You better hope you bank is one of the ones that made the agreement to refund APP scams. If not you are hoping that the funds are still in the account it was sent too, so they can be recovered... But odds on they were gone as soon as received.
Otherwise it could be good bye £14K

IvanOpinion

I think you should run malwarebytes and/or have someone have a look at your computer.  I would be concerned that they just intercepted and responded at just the right time - somebody had access to information.

unholyangel

pinkshoes said:

If a company emailed me saying they wanted to pay the £14k balance to a different bank account then the FIRST thing I'd do is phone them up to ask why.  It's just very odd given you paid via phone the first time. 

So it will come down to whether you were deemed to be negligent in making this payment.

It doesn't even rely on OPs negligence, strictly speaking. The OP may not have been negligent, but as the loss is theirs....they'll only have a right of redress if another party (bank or dealer) were negligent or in breach of contract. 

MattMattMattUK

unholyangel said:

pinkshoes said:

If a company emailed me saying they wanted to pay the £14k balance to a different bank account then the FIRST thing I'd do is phone them up to ask why.  It's just very odd given you paid via phone the first time. 

So it will come down to whether you were deemed to be negligent in making this payment.

It doesn't even rely on OPs negligence, strictly speaking. The OP may not have been negligent, but as the loss is theirs....they'll only have a right of redress if another party (bank or dealer) were negligent or in breach of contract. 

I am not sure about all banks, but I know that both Nationwide and HSBC have since the start of the year (and I am pretty sure it was earlier, this whole lockdown/Covid period is blurring into one) used both Payee verification to show the name on the bank account you are sending the funds to, as well as asking you to confirm that you have verified the bank details of the recipient via an alternate "trusted source" to the one you received them from, eg if you received them by email did you verify the bank details by phoning them etc. as well as other fraud warnings during the process of setting up a new payee. 

They are doing this to firstly attempt to reduce the incidence of this kind of fraud, but to also make sure that they can in no way be held liable for reimbursing the person who sent the funds.

unholyangel

MattMattMattUK said:

unholyangel said:

pinkshoes said:

If a company emailed me saying they wanted to pay the £14k balance to a different bank account then the FIRST thing I'd do is phone them up to ask why.  It's just very odd given you paid via phone the first time. 

So it will come down to whether you were deemed to be negligent in making this payment.

It doesn't even rely on OPs negligence, strictly speaking. The OP may not have been negligent, but as the loss is theirs....they'll only have a right of redress if another party (bank or dealer) were negligent or in breach of contract. 

I am not sure about all banks, but I know that both Nationwide and HSBC have since the start of the year (and I am pretty sure it was earlier, this whole lockdown/Covid period is blurring into one) used both Payee verification to show the name on the bank account you are sending the funds to, as well as asking you to confirm that you have verified the bank details of the recipient via an alternate "trusted source" to the one you received them from, eg if you received them by email did you verify the bank details by phoning them etc. as well as other fraud warnings during the process of setting up a new payee. 

They are doing this to firstly attempt to reduce the incidence of this kind of fraud, but to also make sure that they can in no way be held liable for reimbursing the person who sent the funds.

Yeah, I covered that in my first reply to the thread. Although I don't think OP has indicated whether the bank did this or not. 

unholyangel said:

Banks were supposed to be confirming the name of the payee matched that on the account, since last year - exactly because of this type of fraud. So I'd maybe start with asking your bank about that. 

But the post of mine that you're quoting was just highlighting that there can be a scenario where the OP isn't negligent but still ends up liable, because they have no claim based on contract or tort, against the bank or dealer.