Halifax will not believe it's not a scam

Nasqueron

M25 said:

Problem is -this is with idiots/stupid in general- that person will then go to their local paper or some poorly written local BBC story saying the bank did this and that etc and all the time there's no personal responsibility. Never seen a mention of that idea ever on any scam news story.

And the bank will likely cave and pay our money back to the person.

Watched that awful Jason Statham film yesterday The Beekeeper where a stupid woman let someone drain her bank accounts through some sort of scam. It was all a bit heightened and I couldn't get past 30mins of the film but they based the whole film on a couple of scam stories.

I have 2 relatives who absolutely will not use online banking. That's a good choice for the whole family. Just because technology is good for most people doesn't mean everyone should be using it. Not everyone is going to want an AI sex doll either.

Don't answer your door to strangers. Cheaper for everyone.

The online banking refuseniks simply get guided to do it over the phone or even cash in person - many a bank will have a tale of an old person (usually, not exclusively) going in and trying to take out thousands in cash until the bank stop them, using the same procedures as online.

2022 alone there were 11,643 uses of the emergency protocol to refuse to let customers take out cash in branch 

https://www.bbc.co.uk/news/business-66165920

born_again

boingy said:

Eyeful said:

1. Have you spoken to this friend on the phone since trying to send them the money?
2. How long have you known this friend for?
3. To what country are you trying to send the money?
4. How much money are you trying to send?

It shouldn't matter, should it?
We should all have the right to waive the protection of the banks and send money to whoever we choose, scam or no scam. The bank correctly should query the payment but the final say should be with us, the customer. We don't all need wrapping in cotton wool. It's our money. We should be free to say "thanks, but no thanks" to the protection, relieve the bank of any liability and then fritter away our money in any way we choose. It's all gone a bit too far imo.

Yes..
But if they did, you can bet that these are the very people that complain, go to the media & we see the unhappy face blaming the faceless big banks for not giving them their money back despite being warned many times.

There was a woman a couple of years ago that sent well over £100K in a love scam Santander & HSBC both warned her many times. Yet she went to FOS, Media etc to try & get the money back from them

https://www.dailymail.co.uk/news/article-9838979/Romance-fraud-victim-facing-bankruptcy-Santander-HSBC-want-reclaim-113-000-loans.html

boingy

born_again said:

boingy said:

Eyeful said:

1. Have you spoken to this friend on the phone since trying to send them the money?
2. How long have you known this friend for?
3. To what country are you trying to send the money?
4. How much money are you trying to send?

It shouldn't matter, should it?
We should all have the right to waive the protection of the banks and send money to whoever we choose, scam or no scam. The bank correctly should query the payment but the final say should be with us, the customer. We don't all need wrapping in cotton wool. It's our money. We should be free to say "thanks, but no thanks" to the protection, relieve the bank of any liability and then fritter away our money in any way we choose. It's all gone a bit too far imo.

Yes..
But if they did, you can bet that these are the very people that complain, go to the media & we see the unhappy face blaming the faceless big banks for not giving them their money back despite being warned many times.

There was a woman a couple of years ago that sent well over £100K in a love scam Santander & HSBC both warned her many times. Yet she went to FOS, Media etc to try & get the money back from them

https://www.dailymail.co.uk/news/article-9838979/Romance-fraud-victim-facing-bankruptcy-Santander-HSBC-want-reclaim-113-000-loans.html

The banks just need to push back on social media and demonstrate the multiple warnings and the waiver of the rights and another warning or two. BTW, don't read the Daily Mail. 

Nasqueron

boingy said:

born_again said:

boingy said:

Eyeful said:

1. Have you spoken to this friend on the phone since trying to send them the money?
2. How long have you known this friend for?
3. To what country are you trying to send the money?
4. How much money are you trying to send?

It shouldn't matter, should it?
We should all have the right to waive the protection of the banks and send money to whoever we choose, scam or no scam. The bank correctly should query the payment but the final say should be with us, the customer. We don't all need wrapping in cotton wool. It's our money. We should be free to say "thanks, but no thanks" to the protection, relieve the bank of any liability and then fritter away our money in any way we choose. It's all gone a bit too far imo.

Yes..
But if they did, you can bet that these are the very people that complain, go to the media & we see the unhappy face blaming the faceless big banks for not giving them their money back despite being warned many times.

There was a woman a couple of years ago that sent well over £100K in a love scam Santander & HSBC both warned her many times. Yet she went to FOS, Media etc to try & get the money back from them

https://www.dailymail.co.uk/news/article-9838979/Romance-fraud-victim-facing-bankruptcy-Santander-HSBC-want-reclaim-113-000-loans.html

The banks just need to push back on social media and demonstrate the multiple warnings and the waiver of the rights and another warning or two. BTW, don't read the Daily Mail. 

They do, there was a case a year or so ago where the bank knew 100% the person was giving money to a scammer but would not drop the demand to pay them, they made them send a photo with a hand written note saying they were happy it was not a scam - https://archive.is/TkHoD

Another case of greedy people being taken for a ride here:

https://www.bbc.co.uk/news/uk-england-leeds-67208755

Multiple warnings, revolut made them do a photo with a hand written letter to say they were not being scammed. They were convinced their £100 had magically become £600 in crypto, then £5000 became £45,000 so were desperate to put more in. Two different banks stopped them until they kept lying to the bank because they saw the £££ and had buyers remorse when they realised it was a scam.

After all that, a "consumer finance campaigner" still wanted to make the bank take the blame despite multiple warnings to the victim.

Linton

It could also be a concern about money laundering.  It would be too easy for people with £££ to hide to find "good friends" around the world.

flaneurs_lobster

Linton said:

It could also be a concern about money laundering.  It would be too easy for people with £££ to hide to find "good friends" around the world.

Laundering really only concerns funds that are incoming to an account (or rather, the source of those funds). 

LindsayT

I read the article that was posted here in the Daily Mail. Although boingy said don't read the Mail, apparently it was in a lot of newspapers at the time and she even set up a Go Fund Me page.
So, she was able to transfer large sums of money (albeit with warnings from the banks) to someone she 'met' online just a few weeks before.
Yet I was actually stopped from sending money to my dearest friends (sorry, couldn't resist after some comedian said that alone sounds like a scam) who I have known for years and in contact with almost daily.
Maybe Halifax don't just give warnings.

Nasqueron

LindsayT said:

I read the article that was posted here in the Daily Mail. Although boingy said don't read the Mail, apparently it was in a lot of newspapers at the time and she even set up a Go Fund Me page.
So, she was able to transfer large sums of money (albeit with warnings from the banks) to someone she 'met' online just a few weeks before.
Yet I was actually stopped from sending money to my dearest friends (sorry, couldn't resist after some comedian said that alone sounds like a scam) who I have known for years and in contact with almost daily.
Maybe Halifax don't just give warnings.

Transfers have warnings e.g. setting up new payee and asking why you are doing it

LindsayT

Maybe I didn't make myself clear. I was saying that although that woman had warnings, she was still allowed to send the money, where as I didn't get any warning, I was just told they would not allow it.

Nasqueron

LindsayT said:

Maybe I didn't make myself clear. I was saying that although that woman had warnings, she was still allowed to send the money, where as I didn't get any warning, I was just told they would not allow it.

it was 3 years ago, banks have tightened up after people like her were being refunded