Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • KazBS
    • By KazBS 6th Feb 18, 9:01 PM
    • 1Posts
    • 0Thanks
    KazBS
    Fraudulent transaction
    • #1
    • 6th Feb 18, 9:01 PM
    Fraudulent transaction 6th Feb 18 at 9:01 PM
    Please can someone advise.
    My sons online account has been hacked and all his money transferred to another Halifax account. The bank are claiming he did this himself using his mobile device and finger print and have denied his claim and will not refund the money (600).
    They have stated he did it and the mobile device was using the home IP address when he was not anywhere near home and I have cctv footage to prove this.
    The recipient of the money transferred between his accounts to allow them to take the maximum amount they could have and then deleted themselves so we cannot trace the details and the bank will not provide any further details so all we have is the name.
    We have raised a complaint but Im not holding out much hope.
    Does anyone please have any advice as it's all the money he has/had.
Page 1
    • maninthestreet
    • By maninthestreet 6th Feb 18, 10:14 PM
    • 15,285 Posts
    • 13,807 Thanks
    maninthestreet
    • #2
    • 6th Feb 18, 10:14 PM
    • #2
    • 6th Feb 18, 10:14 PM
    How does the bank know what your home IP address is?
    Where was his phone when his account was hacked?
    How could someone other than your son have managed to get through the fingerprint security check?
    "You were only supposed to blow the bl**dy doors off!!"
    • karld316
    • By karld316 6th Feb 18, 11:18 PM
    • 13 Posts
    • 5 Thanks
    karld316
    • #3
    • 6th Feb 18, 11:18 PM
    • #3
    • 6th Feb 18, 11:18 PM
    Threaten them with the Ombudsman. They will get friendly at this point as the Ombudsman complaint will cost at least a few hundred to Halifax, as well as the 600 they'll have to refund. They will most likely throw in a bit of compensation too.
    • Nebulous2
    • By Nebulous2 7th Feb 18, 2:42 AM
    • 1,889 Posts
    • 1,132 Thanks
    Nebulous2
    • #4
    • 7th Feb 18, 2:42 AM
    • #4
    • 7th Feb 18, 2:42 AM
    You need to make sure your son is telling the truth, and be consistent in what you are saying. The bank clearly don't believe him so the story needs to stack up.

    Once you're happy with that report it to the police, you can do that through the action fraud website. Give the bank evidence it has been reported. The bank may need time to investigate, but if they're not moving make a formal complaint and once it's deadlocked go to the ombudsman.

    I don't know how old your son is, but he may need to do all this himself.
    • rosieraspberry
    • By rosieraspberry 7th Feb 18, 7:26 AM
    • 33 Posts
    • 14 Thanks
    rosieraspberry
    • #5
    • 7th Feb 18, 7:26 AM
    • #5
    • 7th Feb 18, 7:26 AM
    When you set up a payment to someone you haven't paid before you normally get a text or phone call to ask you to confirm that you want to make that payment. Did the person have his phone?
    If the money was just transferred out then the bank should know who it was transferred to.
    • 18cc
    • By 18cc 7th Feb 18, 7:42 AM
    • 534 Posts
    • 324 Thanks
    18cc
    • #6
    • 7th Feb 18, 7:42 AM
    • #6
    • 7th Feb 18, 7:42 AM
    1. the bank knows only what IP address was used for the transaction, but cannot know if that is your 'home' IP address. Only the ISP will have those details.


    2. it is not possible to 'hack' fingerprint authentication


    3. as stated before, adding new payees requires additional authentication eg mobile phone text, card reader etc


    4. the bank of course knows what sort code / account number the money was sent to, even if the payee details were deleted. Ask them to provide those details.
    • alanq
    • By alanq 7th Feb 18, 9:29 AM
    • 4,010 Posts
    • 2,614 Thanks
    alanq
    • #7
    • 7th Feb 18, 9:29 AM
    • #7
    • 7th Feb 18, 9:29 AM
    A web search of fingerprint verification cracked shows a number of articles indicating fingerprint recognition is not infallible.

    I suppose the bank could check that the IP address was the one usually used but that would only be relevant if connecting via a home router. If the transaction was performed using mobile data the IP address would be unrelated to ones Home.
    • Potbellypig
    • By Potbellypig 7th Feb 18, 9:45 AM
    • 190 Posts
    • 84 Thanks
    Potbellypig
    • #8
    • 7th Feb 18, 9:45 AM
    • #8
    • 7th Feb 18, 9:45 AM
    How old's your Son? If he's late teen/early 20's even, it would be wise to triple check he's telling the truth. Make sure he understands the implications of lying in this.

    He could have easily spent the money and is worried what you're going to say.
    • Uxb
    • By Uxb 7th Feb 18, 10:22 AM
    • 1,072 Posts
    • 1,134 Thanks
    Uxb
    • #9
    • 7th Feb 18, 10:22 AM
    • #9
    • 7th Feb 18, 10:22 AM
    How does the bank know what your home IP address is?
    Originally posted by maninthestreet
    All the bank probably knows that lots of other legit transactions were carried out prior from this same IP address - and that the alleged dodgy one was also carried out from the same IP address.

    So on the balance of reasonableness from the banks point of view is that the IP address is most probably the home one.

    Some ISP have more dynamic IP address allocation policies than others assuming the home is not on a fixed IP address - usually a specific request.
    By this it mean that when you reconnect or reboot the router on some ISP you simply get a new IP address - on other ISP's you pretty well always get the same IP address back again.
    • Robin9
    • By Robin9 9th Feb 18, 4:54 PM
    • 2,662 Posts
    • 1,738 Thanks
    Robin9
    KazBS - can you update us please ?
    Never pay on an estimated bill
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

84Posts Today

1,980Users online

Martin's Twitter