Replies

• 9 May 2019 at 2:02PM

  [Deleted User] Forumite

  0 posts

  MoneySaving Newbie

  9 May 2019 at 2:02PM

  Have you logged in to any fraudulent websites off the back of an email or text message?

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• 9 May 2019 at 2:55PM

  Mcchan Forumite

  13 posts

  9 May 2019 at 2:55PM

  No, I’ve not logged into any fraudulent websites off the back of an email or text I was asked the same question by my bank too.

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• 9 May 2019 at 3:50PM

  Terry_Towelling Forumite

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  9 May 2019 at 3:50PM

  Mcchan wrote: »

  Hi Just thought I would make it aware for everyone here that I have had over £11K taken from my Yorkshire Bank savings accounts over the last 48 hours. Currently being investigated by their fraud dept. They suspect these multiple transactions in sums of £400 to £500 were taken via internet banking, not my mobile banking app. Maybe this is a one off scam, but thought I would share this in case anyone else has been affected. I’m very careful with my online security so no idea how the security could have been breached. Very worrying!

  
  If what you are saying is true, it isn't a scam, per se, it is a serious issue for you and the safeguarding of your banking security details - someone else must have them. I don't have a YB account so I don't know how the log-in process works, nor the setting up of payees, nor whether text messages are sent out when payees are set up, nor whether codes are sent to the account holder's phone before certain actions can be performed.
  
  There must be a record of the payments in your account and that must show where the payments went.
  
  Can anyone with a YB account enlighten us as to the security measures in place concerning payees and payments?
  
  Good luck getting the money back. Make sure you change your passwords for everything and check your PC for anything undesirable.

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• 9 May 2019 at 3:53PM

  soulsaver Forumite

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  9 May 2019 at 3:53PM

  FTAOD, you DO mean Yorkshire Bank.. Not Yorkshire Building Society?

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• 9 May 2019 at 4:03PM

  PRAISETHESUN Forumite

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  9 May 2019 at 4:03PM

  It won't be a scam since that usually involves someone manipulating you to give them your money. This sounds more serious in that someone has gained access to your banking credentials. If you haven't already, scan your PC/device for malware and then change your passwords, not just for your banking but for any other online service you use. Keep different passwords so if one account is compromised in future, then nothing else is affected. Consider activating two factor authentication (2FA) for every service that supports it.
  
  Let the bank do its work and investigate - getting angry or complaining excessively isn't really going to help. I'm not privy to the YB login process so I don't know if it requires 2FA or not (ie. a SMS code or a code generator, etc), but it definitely sounds suspicious. Would definately be interested to hear from someone with experience of the login process

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• 9 May 2019 at 4:08PM

  Mcchan Forumite

  13 posts

  9 May 2019 at 4:08PM

  Yes, there is the same code reference listed on each transaction, could be an encrypted code I don’t know. I did not receive any alerts from Yorkshire Bank notifying me of this activity on my accounts, again very worrying and I have informed them of my concern about this. Thanks for advice on changing passwords etc online. Spent all day going through everything. No one knows my security info for my banking-only me.

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• 9 May 2019 at 4:10PM

  Mcchan Forumite

  13 posts

  9 May 2019 at 4:10PM

  Yorkshire Bank not Yorkshire Building Society

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• 9 May 2019 at 4:15PM

  Mcchan Forumite

  13 posts

  9 May 2019 at 4:15PM

  Thank you for your advice, it’s really helpful. I’m just keeping calm and hoping it will get resolved without too much hassle. As i last went online for internet banking last year, I don’t recall any sms text confirmations of logins or transaction confirmations. I have been using the mobile banking app.

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• 9 May 2019 at 4:30PM

  colsten Forumite

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  9 May 2019 at 4:30PM

  Setting up a payee at YB requires a security code, generated either through their calculator-type security code generator, or through their mobile app. YB's calculator-thingy is not interchangeable with those used by Nationwide, Barclays etc.
  
  So either payments were made to one or more already existing payees, or the fraudster had all the personal information required to use the calculator-thingy, or the app, to set up one or more new payees.
  
  Or the fraudster used the debit card issued for the account, or a clone of it. In that case, the fraudster would also have known the CVV and/or the PIN of the debit card.
  
  It would be interesting to know what method(s) the fraudsters used (I am sure the bank know it)

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• 9 May 2019 at 5:43PM

  polymaff Forumite

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  9 May 2019 at 5:43PM

  What were the savings accounts involved? I see that CYB do quite a range of saving accounts.

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