Scam and bank’s responsibility

born_again

marcia_ said:

eskbanker said:

Liz08000 said:

But my question is within 45 mins I rang my bank and told them. This is 10pm sat night. I asked them to stop the transaction as it clearly could be stopped at that point. 

That's not how it works - a bank can't just stop a transaction where you've already authorised the merchant to access the funds, even though from your perspective you subsequently believe that it's dodgy.

Liz08000 said:

I was astounded. I froze my card. Anyway I’ve looked today and the blooming money has gone through. I’m disgusted and really cross when it could have been stopped. Will I get my money back. With the bank reimburse me. It’s a large UK huge bank. Where has the 24 hour fraud team gone.

There'll be a 24 hour mechanism to notify cards being lost or stolen but that's a different scenario, where it's subsequent transactions that'll be prevented at the point of authorisation.  In your (post-authorisation) case, if your transaction qualifies for chargeback then you should be reimbursed.

 Yes they can. I rang my bank after making a payment and it was taken twice. Was sitting in pending and the bank stopped one going through and the other allowed to go through 

The only people who can stop a authorisation are the retailer & their merchant bank.

Your bank can remove the authorisation (under certain situations) from your pending transactions to free up the funds. But it would not stop the transaction from debiting, if it was processed by the retailers merchant bank.

Grumpy_chap

There was another recent thread where an individual had been scammed with gift cards going to the scammer rather than the poster receiving the item they expected.
Did the OP making the payment for the Ninja Processor need to use OTP (or the banking app equivalent) to make the purchase?  Did the text for that say "to confirm this purchase of £50 to local electrical shop" or "to confirm this purchase of £50 to Gift Cards Cyprus"?

eskbanker

Liz08000 said:

Esk banker. I didn’t need reminding of the, my careless transaction which is what I’m really annoyed about. Came for polite patient advice. 

As far as I can see, polite patient advice is what you got - perhaps you'd have preferred some sugar-coating but it did seem applicable to observe within that that primarily taking out your anger on the bank (albeit "cross with myself too") wasn't appropriate when they haven't done anything wrong here....

eskbanker

marcia_ said:

eskbanker said:

Liz08000 said:

But my question is within 45 mins I rang my bank and told them. This is 10pm sat night. I asked them to stop the transaction as it clearly could be stopped at that point. 

That's not how it works - a bank can't just stop a transaction where you've already authorised the merchant to access the funds, even though from your perspective you subsequently believe that it's dodgy.

Liz08000 said:

I was astounded. I froze my card. Anyway I’ve looked today and the blooming money has gone through. I’m disgusted and really cross when it could have been stopped. Will I get my money back. With the bank reimburse me. It’s a large UK huge bank. Where has the 24 hour fraud team gone.

There'll be a 24 hour mechanism to notify cards being lost or stolen but that's a different scenario, where it's subsequent transactions that'll be prevented at the point of authorisation.  In your (post-authorisation) case, if your transaction qualifies for chargeback then you should be reimbursed.

 Yes they can. I rang my bank after making a payment and it was taken twice. Was sitting in pending and the bank stopped one going through and the other allowed to go through 

That's a different scenario, where a valid authorisation was duplicated.

When there's reference to a 'pending transaction', this doesn't really reflect that at this stage the bank has already made an essentially irrevocable commitment to pay the authorised amount to the merchant, on the basis of which the merchant releases the goods or services - it simply isn't practical to change the entire protocol to allow that to be disrupted....