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Mcchan wrote: »
A basic savings account I’ve had for years instant access and a cash ISA. Only one debit card for savings instant access, not used.
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.
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