FIRST DIRECT

martinbainbridge1975

if the unauthorised overdraft goes on your credit file that would not be correct, as it has resulted from fraud which is circumstances beyond your control.

That would be unfairly penalising you for fraud, would certainly be monitoring your credit file as financial institutions are not exactly known for accuracy given the volume of people working remotely due to covid

Fingerbobs

martinbainbridge1975 said:

if the unauthorised overdraft goes on your credit file that would not be correct, as it has resulted from fraud which is circumstances beyond your control.

That would be unfairly penalising you for fraud, would certainly be monitoring your credit file as financial institutions are not exactly known for accuracy given the volume of people working remotely due to covid

I asked the advisor about this when I reported the fraud, and he assured me that any reports to the CRAs resulting from the fraud would be corrected, but to allow 7-10 days for that to happen. Similarly, he said any charges applied to my account would also be reversed (although they haven't charged me anything yet). 

SuperHans1

For anyone else waiting for the money, FYI I have received a full refund for the fraudulent transaction today.

Has anyone raised a complaint about this whole Nando's / Foot Assylum debacle?

born_again

SuperHans1 said:

For anyone else waiting for the money, FYI I have received a full refund for the fraudulent transaction today.

Has anyone raised a complaint about this whole Nando's / Foot Assylum debacle?

On what basis?

Somewhere along the line a retailer will have been compromised. Card details stolen & sold on. No amount of complaining will stop it from happening.
Not banks fault. Not Nando's or Foot Assylum fault.. Might be able to blame where the details came from. But odds on you will never find out. Bank certainly will not tell you.
Even then you are not out of pocket.

Fingerbobs

It does seem strange that only First Direct cards seem to have been compromised, and the fraud has affected cards that have never been used for anything, and have been sitting in a desk drawer since delivery. I don't see how it can be a retailer data leak. 

First Direct's response for me has been exemplary. Replacement card arrived in the post the next day, and I already have my money back. 

SuperHans1

born_again said:

SuperHans1 said:

For anyone else waiting for the money, FYI I have received a full refund for the fraudulent transaction today.

Has anyone raised a complaint about this whole Nando's / Foot Assylum debacle?

On what basis?

Somewhere along the line a retailer will have been compromised. Card details stolen & sold on. No amount of complaining will stop it from happening.
Not banks fault. Not Nando's or Foot Assylum fault.. Might be able to blame where the details came from. But odds on you will never find out. Bank certainly will not tell you.
Even then you are not out of pocket.

Well that is the reason that I asked the question and whether anyone did successfully complain without anyone involved having admitted responsibility.

Fingerbobs said:

It does seem strange that only First Direct cards seem to have been compromised, and the fraud has affected cards that have never been used for anything, and have been sitting in a desk drawer since delivery. I don't see how it can be a retailer data leak. 

First Direct's response for me has been exemplary. I already have my money back. 

I'm miffed about the time and effort I have had to put in to resolving this issue. Since no one has admitted responsibility I don't know whether I could/should complain to First Direct. It's a card that has been sat in a drawer so there is nothing that I have done wrong here.

Regardless, I have now frozen the card so hopefully that will stop this from ever happening again.