Dad has been hacked

R200

eskbanker said:

R200 said:

why we are saying it’s the banks fault is because eventually they froze the account for suspicious activity but why did it take them so long

You'd originally said:

R200 said:

Looks like their login details are compromised and there is £1700 gone in a few transactions.

They're damned if they do and damned if they don't - for everyone that's indignant that transactions weren't stopped, there'll be plenty who are outraged that they were.  The relevant algorithms are never going to be an exact science, and as above, the fact that they did put a stop to it doesn't imply that not doing so earlier was their fault....

What did you mean by their login details being compromised?

It was just a guess really, I may be wrong there may have been another way they did those transactions but I assumed that my dads log in details were compromised 

Stargunner

R200 said:

MeteredOut said:

R200 said:

If hack is not the right word then what is? It’s obviously fraud there is no doubt but how was the fraud committed is what the bank can’t tell us.

several transactions sent funds abroad first of all in small amounts getting larger until the bank froze the account

was this a hack or something else?  

It doesn't really matter what it's called, but it is unlikely that someone got into your dad's account and being able to do transfers without him (unwittingly) doing something allow fraudsters to do that. Have you spoken to him about that?

Yes everyone says it’s unlikely but it has happened nonetheless.

Has he done something wrong? Maybe, he is 82. He doesn’t know how to use a smartphone or computer. He has no email.

How could he have done something wrong?

If your dad doesn’t have email, how could he of registered for online banking?

R200

MeteredOut said:

R200 said:

why we are saying it’s the banks fault is because eventually they froze the account for suspicious activity but why did it take them so long

The fact the bank identified an ongoing issue and stopped it does not in any way make them at fault. A pattern of fraud (which is what bank profiling systems look for) can sometimes only be identified after-the-fact.

You've been asked multiple times but have not yet answered

- What are the transaction types of these payments out of the account
- Have you spoken to your dad about whether he has had any comms with people purporting to be his bank, the police, Amazon, HMRC, Microsoft, or anyone else supposedly helping him out of the blue

People are trying to help, and there is a chance your dad could still be vulnerable to further ongoing fraud in other areas of his life if he as provided fraudsters with information, eg, a common tactic is to get someone to install software onto their computer/phone which allows fraudsters to remotely view/control that device.

I have answered many times. Transactions were payments to a Chinese accounts and some numbers. What type of transactions these are I don’t know, they are just money going out just like all the other transactions of money going out.

He has not got any email and he doesn’t know how to use his smart phone other than to call and answer calls.

He says he doesn’t answer any calls only from family and friends or if he is expecting a call.

he is not the type to fall for Nigerian 501 scams and the like.

they wouldn’t get very far with him anyway as he knows nothing about internet banking

Barkin

R200 said:

MeteredOut said:

R200 said:

why we are saying it’s the banks fault is because eventually they froze the account for suspicious activity but why did it take them so long

The fact the bank identified an ongoing issue and stopped it does not in any way make them at fault. A pattern of fraud (which is what bank profiling systems look for) can sometimes only be identified after-the-fact.

You've been asked multiple times but have not yet answered

- What are the transaction types of these payments out of the account
- Have you spoken to your dad about whether he has had any comms with people purporting to be his bank, the police, Amazon, HMRC, Microsoft, or anyone else supposedly helping him out of the blue

People are trying to help, and there is a chance your dad could still be vulnerable to further ongoing fraud in other areas of his life if he as provided fraudsters with information, eg, a common tactic is to get someone to install software onto their computer/phone which allows fraudsters to remotely view/control that device.

I have answered many times. Transactions were payments to a Chinese accounts and some numbers. What type of transactions these are I don’t know, they are just money going out just like all the other transactions of money going out.

People are trying to help, but you're not making it easy... 

The type of transactions could be relevant. That's why it keeps getting asked...

Somewhere on the statement it'll say how the payments were made - cheque, debit card, faster payment, transfer etc. 

eskbanker

R200 said:

eskbanker said:

What did you mean by their login details being compromised?

It was just a guess really, I may be wrong there may have been another way they did those transactions but I assumed that my dads log in details were compromised 

It doesn't seem particularly valid to assume that his login details were compromised if "He doesn’t know how to use a smartphone or computer. He has no email" - how does he interact with the bank, i.e. when does he use login details?

Unfortunately it looks like the only way to find out what's happened will be to await the feedback from the bank, as all the guesswork, assumptions, speculation, etc, in the mean time really aren't moving things any further forward....

MeteredOut

R200 said:

eskbanker said:

R200 said:

why we are saying it’s the banks fault is because eventually they froze the account for suspicious activity but why did it take them so long

You'd originally said:

R200 said:

Looks like their login details are compromised and there is £1700 gone in a few transactions.

They're damned if they do and damned if they don't - for everyone that's indignant that transactions weren't stopped, there'll be plenty who are outraged that they were.  The relevant algorithms are never going to be an exact science, and as above, the fact that they did put a stop to it doesn't imply that not doing so earlier was their fault....

What did you mean by their login details being compromised?

It was just a guess really, I may be wrong there may have been another way they did those transactions but I assumed that my dads log in details were compromised 

Log in details for what? You said "He doesn’t know how to use a smartphone or computer. He has no email."

And why did you post on post 3 on this thread giving advice to yourself on post 1?

born_again

R200 said:

MeteredOut said:

R200 said:

why we are saying it’s the banks fault is because eventually they froze the account for suspicious activity but why did it take them so long

The fact the bank identified an ongoing issue and stopped it does not in any way make them at fault. A pattern of fraud (which is what bank profiling systems look for) can sometimes only be identified after-the-fact.

You've been asked multiple times but have not yet answered

- What are the transaction types of these payments out of the account
- Have you spoken to your dad about whether he has had any comms with people purporting to be his bank, the police, Amazon, HMRC, Microsoft, or anyone else supposedly helping him out of the blue

People are trying to help, and there is a chance your dad could still be vulnerable to further ongoing fraud in other areas of his life if he as provided fraudsters with information, eg, a common tactic is to get someone to install software onto their computer/phone which allows fraudsters to remotely view/control that device.

I have answered many times. Transactions were payments to a Chinese accounts and some numbers. What type of transactions these are I don’t know, they are just money going out just like all the other transactions of money going out.

He has not got any email and he doesn’t know how to use his smart phone other than to call and answer calls.

He says he doesn’t answer any calls only from family and friends or if he is expecting a call.

he is not the type to fall for Nigerian 501 scams and the like.

they wouldn’t get very far with him anyway as he knows nothing about internet banking

Sounds like card payments. 

Which can be compromised any where card is used. That includes physical shops.

Teapot55

If @R200’s Dad hasn’t got internet banking then the only way to see the bank statements is when they arrive in the post. On the statement for each transaction (payment out or money in) it says date first, in the first column, then, usually, the second column will be transaction type. 

So that will be
DD for direct debit
SO for standing order 
DEB for debit card payment etc

although it might be different codes on Co-op Bank statements. 

Have you seen the statement with the dodgy payments on yet @R200? If you have, what are the  two- or three-letter codes next to who it says got the three payments made to them?

brucefan_2

These Responses (from the OP) Only Lessen Likelihood of anyone being able to help/advise/guide etc.,

I don't think there's anything to be gained by further contributions to this thread

eskbanker

born_again said:

R200 said:

I have answered many times. Transactions were payments to a Chinese accounts and some numbers. What type of transactions these are I don’t know, they are just money going out just like all the other transactions of money going out.

Sounds like card payments.

Not necessarily - card payments would typically be directed towards (and labelled as) merchants rather than accounts (which would generally be transfers), but as above, the ongoing use of imprecise terminology hinders any useful analysis....