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Suspect bank statement is fake

135

Comments

  • 1234g
    1234g Posts: 6 Forumite
    First Post
    steven141 said:

    I don’t have NatWest anymore but I’ve taken a screenshot of my Royal Bank of Scotland statement which I have removed my details. I’m sure it’s in a similar format for NatWest and Ulster Bank. 

    Many thanks thats just what i thought it should look like. The one ive been sent doesnt have any boxed transactions just printed out like you would on a home excel spreadsheet. The logo is one every other page not all which i also found strange. I will upload it when i get a mo and see what you think. Again thanks
  • 1234g
    1234g Posts: 6 Forumite
    First Post
    tacpot12 said:
    This is a current NatWest Online Banking Statement. Seems to be the same as the RBS one except for the logo, which makes sense. 
    Thats great thankyou A great help. The one i have looks nothing like this
  • 1234g
    1234g Posts: 6 Forumite
    First Post
    Perhaps before anyone can answer your question, you explain exactly what you are doing & why you want to see anyone else's statement? Ive been given the statement by the account holder - no breach in gdpr. The person is claiming payments were made and they werent. Theyve provided the statement to show the payments but I think theyve doctored the statements to look like there were.
  • born_again
    born_again Posts: 18,360 Forumite
    10,000 Posts Fifth Anniversary Name Dropper
    1234g said:
    Perhaps before anyone can answer your question, you explain exactly what you are doing & why you want to see anyone else's statement? Ive been given the statement by the account holder - no breach in gdpr. The person is claiming payments were made and they werent. Theyve provided the statement to show the payments but I think theyve doctored the statements to look like there were.


    As I said before. They have to chase their bank as to where they have gone. The fact it has not arrived in your account is not your problem. Just double check you gave them the right account details. As COP will have confirmed to them if it was matching or not matching   👍
    Life in the slow lane
  • 1234g
    1234g Posts: 6 Forumite
    First Post


    so this is one document the highlighted payments are the ones i have question over as i find the layout of them strange but dont want to reveal all details online due to gdpr.
    my main concern is layout ...... i still find it strange.
     the OD is beside a zero balance which my bank doesnt do.
     as well as one of the 'online transactions' has details of the following beside it 
    -  name on account, 
    - reference of sort code
     - via mobile -pymt
    - FP (date)
    - Trans ref. xxxxxxxx000N
    whereas all other online transaction data doenst reference the payee sort code. I just find the whole sheet a bit off. 
    And by bar code refered to in earlier post i meant the QR code or the lined code they often put on statements dont know what theyre called. 

  • eskbanker
    eskbanker Posts: 35,270 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    1234g said:
    so this is one document 
    That listing is clearly labelled as showing two years worth of transactions so obviously isn't a normal monthly statement and will have been generated on an ad hoc basis from online banking or app, i.e. the formatting of standard statements isn't relevant when validating what you're looking for.
  • friolento
    friolento Posts: 1,887 Forumite
    1,000 Posts First Anniversary Name Dropper Photogenic
    edited 31 May 2024 at 2:59PM
    1234g said:


    so this is one document the highlighted payments are the ones i have question over as i find the layout of them strange but dont want to reveal all details online due to gdpr.
    my main concern is layout ...... i still find it strange.
     the OD is beside a zero balance which my bank doesnt do.
     as well as one of the 'online transactions' has details of the following beside it 
    -  name on account, 
    - reference of sort code
     - via mobile -pymt
    - FP (date)
    - Trans ref. xxxxxxxx000N
    whereas all other online transaction data doenst reference the payee sort code. I just find the whole sheet a bit off. 
    And by bar code refered to in earlier post i meant the QR code or the lined code they often put on statements dont know what theyre called. 


    It is now not possible for a Natwest account holder to download a statement or list of transactions for a period longer than 12 months. Your statement covers a 2 year period. I suspect therefore that the account holder got the statement from Natwest, and it is perfectly conceivable that the formatting of such a statement is different to what an account holder can pull themselves. The account holder should therefore be able to ask Natwest to certify the statement as genuine.

    Another option could be for the account holder to let you witness the pulling of a couple of 12 month statements for the 2 years in question. The account holder can do this in online banking, going back 7 years.
  • born_again
    born_again Posts: 18,360 Forumite
    10,000 Posts Fifth Anniversary Name Dropper
    Makes no difference to what they give you. If the funds are not in your account. It is up to them to chase their bank.
    Life in the slow lane
  • boingy
    boingy Posts: 1,666 Forumite
    1,000 Posts First Anniversary Name Dropper
    Makes no difference to what they give you. If the funds are not in your account. It is up to them to chase their bank.
    I think the suggestion here is that the payer didn't actually make the payments but are claiming that they did. We've no real way to know.

  • saajan_12
    saajan_12 Posts: 4,465 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    saajan_12 said:
    Surprised why everyone else is surprised at wanting to review bank statements - its a normal part of checking references and affordability, just like an estate agent or landlord would do for example. 
    That should be done in an official capacity, not just by a random person. It requires ICO registration and policies to be in place and comes with some quite serious obligations, which is why small landlords get estate agents to do it, who generally use an approved third party process. Any private landlord just randomly asking for bank statements is on very shaky ground. 
    No, there's nothing 'official' about an estate agent or even those third parties other than a shiny suit and a website. The only thing that makes it official is the ICO, which a person can indeed register with. There's no approval of your process, its up to the data handler to ensure it complies. 

    If there is a qualitative check on the nature of transactions and timeliness of payments, then a human is physically looking at the statement. That statement should be sent and stored securely, write down how they will do that, none of which is difficult. The suits and websites just give the impression of security and 'officialness' but there's no actual difference. 
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