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Suspect bank statement is fake

124

Comments

  • pochisoldi
    pochisoldi Posts: 319 Forumite
    Part of the Furniture 100 Posts Name Dropper
    Why doesn't the OP request a copy of the statement rubber stamped by the bank.
    The person then goes to the bank in person, requests the statement, bank issues copy of statement with a rubber stamp on it (the same one they use to stamp paying in slips).
    Given that this is a "real bank", rather than a building society, this should be easier to achieve.

    As far as GDPR is concerned, the person checking the statement should not be retaining any data longer than is required - take a copy of the heading of the statement (name/address account number, bank branch) and file it if required, then either return the original doc or destroy it.

  • masonic
    masonic Posts: 25,570 Forumite
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    boingy said:
    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.
    I'd assume that too. But even in this case, bank statements don't usually include the full account details of the payee. So what is to stop me setting up a new payee named M.S.E Boingy and then inputting my own account details to make it look like I am sending money to you when in fact I'm just moving between my own accounts. Another possibility is the payer is genuine and simply got the account details wrong when setting up the payee. If the bank details provided were correct, then it is the responsibility of the sender to get the money there. The recipient cannot do anything about misdirected or lost payments.
  • born_again
    born_again Posts: 18,412 Forumite
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    boingy said:
    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.

    Agree, but it is not down to the OP to sort.
    The buyer has to get their bank to sort this out. If they are telling the truth re payment then it is not a issue for them.

    No funds in your bank account. No goods to buyer. Simple as that.

    A bank statement proves nothing. Could have been paid to any account.
    Life in the slow lane
  • eskbanker
    eskbanker Posts: 35,335 Forumite
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    boingy said:
    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.
    Agree, but it is not down to the OP to sort.
    The buyer has to get their bank to sort this out. If they are telling the truth re payment then it is not a issue for them.

    No funds in your bank account. No goods to buyer. Simple as that.

    A bank statement proves nothing. Could have been paid to any account.
    OP still hasn't clarified what the underlying scenario is here, but if the data provided by the other party is a two-year transaction list for 2020 and 2021, I think it's safe to say that it's not someone currently making a purchase from OP!  OP may not even be the recipient of the disputed transaction(s), from what we have and haven't been told so far....
  • born_again
    born_again Posts: 18,412 Forumite
    10,000 Posts Fifth Anniversary Name Dropper
    eskbanker said:
    boingy said:
    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.
    Agree, but it is not down to the OP to sort.
    The buyer has to get their bank to sort this out. If they are telling the truth re payment then it is not a issue for them.

    No funds in your bank account. No goods to buyer. Simple as that.

    A bank statement proves nothing. Could have been paid to any account.
    OP still hasn't clarified what the underlying scenario is here, but if the data provided by the other party is a two-year transaction list for 2020 and 2021, I think it's safe to say that it's not someone currently making a purchase from OP!  OP may not even be the recipient of the disputed transaction(s), from what we have and haven't been told so far....
    https://forums.moneysavingexpert.com/discussion/comment/80813178/#Comment_80813178

     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.

    It might not be a purchase, might be rent or something else. 

    Seem to remember another post (not by OP from history) where tenant had missed several years rent payments & landlord just realised.
    Scenario where this could be used by tenant to try & prove payment 🤷‍♀️
    Life in the slow lane
  • eskbanker
    eskbanker Posts: 35,335 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    eskbanker said:
    boingy said:
    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.
    Agree, but it is not down to the OP to sort.
    The buyer has to get their bank to sort this out. If they are telling the truth re payment then it is not a issue for them.

    No funds in your bank account. No goods to buyer. Simple as that.

    A bank statement proves nothing. Could have been paid to any account.
    OP still hasn't clarified what the underlying scenario is here, but if the data provided by the other party is a two-year transaction list for 2020 and 2021, I think it's safe to say that it's not someone currently making a purchase from OP!  OP may not even be the recipient of the disputed transaction(s), from what we have and haven't been told so far....
    https://forums.moneysavingexpert.com/discussion/comment/80813178/#Comment_80813178

     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.

    It might not be a purchase, might be rent or something else. 

    Seem to remember another post (not by OP from history) where tenant had missed several years rent payments & landlord just realised.
    Scenario where this could be used by tenant to try & prove payment 🤷‍♀️
    Yes, I read the posts and stand by the fact that they don't specify that OP was the recipient of the disputed payment(s), just that "The person is claiming payments were made and they werent", which isn't necessarily the same thing.

    I'm reluctant to speculate but there are any number of potential recipients if the scenario was, say, a legacy distribution or a relationship breakup or something done under power of attorney, etc, which may explain OP's reticence to amplify - OP could indeed be the one but I'm just highlighting that this hasn't actually been confirmed....
  • GTR_King
    GTR_King Posts: 1,944 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    Have you seen thought about asking the bank if statement if fake?
  • 1234g
    1234g Posts: 6 Forumite
    First Post
    edited 9 June 2024 am30 11:28AM
    Banks dont verify fake bank statements  - so for all you people out there that can copy and paste - yes its as simple as that, you can very easily fake a bank statement and there is no one on earth that will say it is due to GDPR. This crazy would we live in right!!! 
  • GTR_King
    GTR_King Posts: 1,944 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    edited 9 June 2024 pm30 1:01PM
    It is easy to make a fake bank statement but most banks can detect it 
  • born_again
    born_again Posts: 18,412 Forumite
    10,000 Posts Fifth Anniversary Name Dropper
    GTR_King said:
    It is easy to make a fake bank statement but most banks can detect it 
    But would not confirm to a unknown 3rd party. As staff would have to access correct account to check all details.
    Life in the slow lane
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