Victim of Debit Card Fraud - Advice Please!!

nobasooto

Ladbrokes don't need CV2 number to deposit - I have done it many time without. The deposit form states that you enter the CV2 number but many times I had done by leaving it out (because I didn't have the card with me).

However, your case is a strange one.. unless someone is really bored, why would they open a bookies account in your name with your details? If a withdrawal was to take place then it would be refunded back to your account. Also most bookies, require the billing address to match your registration address before you can make a deposit so even if a cheque was requested it would be sent to you.

I would ring up the bookies and discuss it with them. Find out when the transactions were made. Was anyone money actually used for betting. If not then maybe you can get a refund back into you account. If it was used for betting, then I'd guess you'd have to talk to the police. Maybe you'll have to prove where you were when the transactions were made to show that it could not have possibly been you.

Although I think most banks are scum, I can see it from their view in this particular case. You may get a dodgy scammer who stuck on a bet with a bookie.. lost.. and instead of accepting the loss, tries to scam it back from the bank by reporting a fraudulent transaction.

louise1234_2

I'd call the bookies again and check what details they have - Full name? Correct address? Correct date of birth (due to needing to be 18+ they always take) . Make sure they put a stop on the account and ask if the account has any other cards registered, any bank details registered, an email address, anything else.

Have you any idea how someone could have got all that info? Where have you used the card & given out those details?

Then go to police as identity fraud. The bookies might have recorded the call, but as it is now so late, not much chance of them still having a tape. But that is up to the police to investigate.

Also send a complaint to the ombusman now, as you have the banks final decision.

To be honest if someone has stolen your card to gamble with your details, they are either incredibly stupid, have a serious gambling problem or someone who wants to get you (not a pleasant thought).

inmypocketnottheirs

Just to reitterate a couple of points above:

If you have used your card for payment, in say a restaurant, the card details could have been copied down. Or if you have purchased anything on line or over the phone you would have to have given the same details.

I would include these points in your letter.

For your card issuer to hide behind their current stance is unsatisfactory.

I would consider threatening (and carrying out) court action for the sum involved. Give them 7 days notice to put the situation right, and advise them if they fail to do so you will instigate legal proceedings to recover the amounts in question.

I wish you the very best of luck.

george_2

there is a problem here surely? Will Hill and Ladbrokes for their phone or internet service refund the money back to your card, so surely any winnings would be refunded back again onto the card. Have you checked statements to see if there were refunds back onto the card around these dates as well?

Ladbrokes do allow you to collect winnings in store if you have an on line account, but surely then there is a case to say that they may not have identified the person winning correctly?

kanjoose1

Got a reply from the banks fraud dept saying they stand by their decision not to compensate me!!!

Tried getting info from william hill but the bloke on the phone said he couildnt give that sort of info out over the phone and I'd have to request it in writing (due to DPA).

Finally got through to the Detective who is investigating the matter at my local CID - he was honest enough to say hes been away dealing with a murder enquiry and has only picked up my file yesterday so the bank has made their final decision with no input whatsoever from ther Police -is this normal?

I want to take this to the Ombudsman- do i have a case?? And also when giving details to the ombudsman should i give them thre RBS's head office as contact address or the fraud dept's.

Regards

PS - i mentioned to the police officer that its idiotic for someone to steal my details then go and use it on gambling transactions but he said its very common these days! Damn theives!!! Arghhhhhh!!!

kanjoose1

kanjoose1 wrote:

Thanks Wallace thats what i was thinking too! Anyway ive drafted this letter which i intend of mailing tomorrow (although ive stated im going to go to the ombudsman this isnt entirely true as I still need to investigate this path)


I write with regards to your letter dated 9th September ’05.

May I first of all take this opportunity to state that I do not agree with the outcome of this case nor do I feel this has been investigated and handled adequately.

The fact that it has taken you over 4 months to come to the conclusion that the CV2 number on the card was used during the transactions and that the companies in question held my personal details is a disgrace.

As to the above two issues, I cannot explain these however it should have been the RBS responsibility to investigate this thoroughly something I feel you have not done. Furthermore in today’s world of identity fraud and “phishing” it is not unknown for criminals to get hold of such details- have you considered and investigated this?

Effectively what you are saying is that I have either made up this fraud or have collaborated with someone who has carried it out – both of these allegations I completely refute and find it insulting that your organisation has come to these conclusions and if this is the case then I urge you to report me to the police so they can investigate further.

Moreover I have provided you with all the information needed for you to investigate this matter correctly by answering all your questions honestly and providing you with the police details etc.

I now have all the paperwork ready to take this matter to the Financial Ombudsman however before I do so I’d like to give you the chance to re-evaluate your position.

I therefore urge you to investigate this matter further and reconsider your decision regarding compensating me for this fraud.

Please reply to me within 7 days stating and explaining your final position so that I can then arrange to take this matter further.

Regards,
Yours truly,

I wrote them the above letter after i received their final decision and this is their reply below: (word for word)


.".......Dear Mr XXXXX

Thank you for your letter of 13th September. I am sorry you were unhappy with the service you recently received, but grateful you took the time to write and explain why.

Unfortunatly, it is with regret that I must advise you that the Bank stands by its decision not to refund the transactions in question.

I Realise that you will be disapointed with this response, however card fraud is a serious issue and we therefore have stringent policies in place. In the circumstances we would advise you to pursue the matter with the Police, should you choose to follow that course of action, than Bank will of course, co-operate with the authorities.

A leaflet is enclosed which explains more about out complaint procedures and includes details of what to do if you are unhappy woth the outcome.

Yours sincerely
Miss XXXXXX
Custs Services Manager

ljonski

Cranston is at the same time having similar probs with RBS on "Anything else "
Also see How useful FO was in the A and L case ongoing in This section.
Are they aware of your debt probs and could this have infuenced their decision?
The details from the bookies should provide interesting reading!
LJ

DesG

A few people have wondered about how the crooks get the cash.

Easy, just lose it to an accomplice in heads up poker. Ask the police to find out from the bookies where the money went. If it was lost to the bookie, then they are looking for a gambler. If it was lost to other customers, then they have leads to investigate.

Cheers, Des.

lipidicman

DesG wrote:

A few people have wondered about how the crooks get the cash.

Easy, just lose it to an accomplice in heads up poker.

Ah, so that's how it is done.

After reading this and cranston's thread I am certainly glad I dont bank with RBS. Their letters and treatment of customers is shocking!

madfrenchgirl

I would report them to the Ombudsman... Thank you for sharing this with us! Now I know I will never bank with them. And dont take any insurance with them (esp. Tesco) either!