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HSBC refusing to investigate fraud claim.
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sherlockholmes_2
Posts: 3 Newbie
Hi there.
About 6 months ago my debit card was cloned on several occassions and I had trouble obtaining my money back. Eventually I did get a refund as a 'gesture of goodwill' but was told they would no longer accept any fraud claims in the future.
On Friday I checked my account and noticed a transaction that was not mine. I went straight into my branch and cancelled the card and went home to call the reporting team. I was notified by the HSBC employee that they would not be logging or investigating the claim.
Surely this cannot be legal, it means I could have my whole account plundered and the bank wouldn't take a look into the matter.
What can I do? Is there a way to challenge the banks descision. I can't see anywhere in the T&C that they can do this.
Where do I stand legally?
Thanks
About 6 months ago my debit card was cloned on several occassions and I had trouble obtaining my money back. Eventually I did get a refund as a 'gesture of goodwill' but was told they would no longer accept any fraud claims in the future.
On Friday I checked my account and noticed a transaction that was not mine. I went straight into my branch and cancelled the card and went home to call the reporting team. I was notified by the HSBC employee that they would not be logging or investigating the claim.
Surely this cannot be legal, it means I could have my whole account plundered and the bank wouldn't take a look into the matter.
What can I do? Is there a way to challenge the banks descision. I can't see anywhere in the T&C that they can do this.
Where do I stand legally?
Thanks
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Comments
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I think I would have closed that account the first time it happened.I used to be indecisive but now I am not sure.0
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sherlockholmes wrote: »What can I do? Is there a way to challenge the banks descision. I can't see anywhere in the T&C that they can do this.
Try invoking the HSBC complaints procedure
I would also read the Banking Code - especially section 12.11 onwards.
I would also change the PIN numbers on all your cards and ideally use credit cards in shops/online in future..
Regards
Sunil0 -
Is there not a link back to your previous posts about HSBC ATM withdrawals on your partner's account? Are HSBC connecting a number of issues with your address?If you want to test the depth of the water .........don't use both feet !0
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Frankly, if I was HSBC I would also find it hard to believe that your partner had unauthorised ATM withdrawals and you had unauthorised (supposedly cloned card) debit card purchases, not just once but on a number of occasions within a couple of years.
Fairly obviously they think you are both lying and have each been using the others' cards without telling the other (or telling the other, and then lying to the bank about it).
As others have said, I would have changed banks if I was getting that sort of accusation levelled at me - if I was innocent.
Banks can definitely refuse to follow up fraud claims if they find the frequency and nature of them to be incredible.
You should also consider where you are using your cards if they are genuinely being cloned THREE times within a year or so. Card cloning is not so common that three times for one individual is run-of-the-mill.0 -
As someone who worked for a fraud department, multipe ATM fraud was a no no
It just doesnt happen unless its someone you know
Normally we would deal with it and terminate accounts unless we had reasonable suspicion they were responsible in which case we would terminate and refuse to refund
Frankly your claims are incredolous and I would be looking closer to home
Cloning is still a relativly rare albeit profitable type of fraud and as said the chances of it happening to the same people multipe times in a few years must be astronomical0 -
I sense the smell of horse **** in this thread given the OP's name !! Surely he would have investigated himself (if true) !
The chances of being cloned once must be quite remote, let alone multiple occasions !0
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