As far as the police are concerned, your banks fraud department should have told you whether or not you need to contact them. Normally it should be possible to request an temporary extension on your overdraft if you have been totally wiped out, so it may be worth calling up again to ask about this.
My mum had this done to her card two months back, They withdrew £400 from a bank in Italy, thankfully she had proof she was in work that day & Barclays soon sorted it out. It is really quite worrying/upsetting that this stuff happens.
I wish you luck in getting your money back
I wish you luck in getting your money back
I went through the whole fraud process about 4 months ago.
While I was in hospital I had just over £1000 of my money spent at the BT shop.
As soon as I found out I contacted the bank, my cards were stopped and new ones issued, all the usual steps were taken.
I too was confused - how had this happened?
I'm careful with where my cards go, my PINs are safe etc.
Although to this day I'm not 100% sure there is actually only one explanation.
Cotton Traders had their servers hacked and credit/debit card details were stolen - this happened around 6 months ago however Cotton Traders didn't tell the public about it until much later.
The fact that it was an old debit card that was used for the fraud - this is the only thing I can think of.
Unfortunately your security is only as good as that of company's you deal with.
Cotton Traders have not had any repeat purchases from me as I don't want them knowing my new card details in case it happens again!
I'm sure you'll get all your cash back etc.
Just don't expect it to happen immediately.
The bank have to be sure you're not pulling a fast one.
You're not - so you should have nothing to worry about.
While I was in hospital I had just over £1000 of my money spent at the BT shop.
As soon as I found out I contacted the bank, my cards were stopped and new ones issued, all the usual steps were taken.
I too was confused - how had this happened?
I'm careful with where my cards go, my PINs are safe etc.
Although to this day I'm not 100% sure there is actually only one explanation.
Cotton Traders had their servers hacked and credit/debit card details were stolen - this happened around 6 months ago however Cotton Traders didn't tell the public about it until much later.
The fact that it was an old debit card that was used for the fraud - this is the only thing I can think of.
Unfortunately your security is only as good as that of company's you deal with.
Cotton Traders have not had any repeat purchases from me as I don't want them knowing my new card details in case it happens again!
I'm sure you'll get all your cash back etc.
Just don't expect it to happen immediately.
The bank have to be sure you're not pulling a fast one.
You're not - so you should have nothing to worry about.
My advice is to put savings in an actual savings account, so this can't happen. Money should never be left idle in a current account as you are losing interest.
And they wouldn't have been wrong... If you want to withdraw money, buy lottery tickets, post something at the post office or do a million other things, you must use your debit card because credit cards aren't accepted for them. Also there's the fact that you get your money back on both cards if defrauded and both offer chargebacks.
Jez said:
And they wouldn't have been wrong... If you want to withdraw money, buy lottery tickets, post something at the post office or do a million other things, you must use your debit card because credit cards aren't accepted for them. Also there's the fact that you get your money back on both cards if defrauded and both offer chargebacks.
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just on train tickets? do they use it to go to Europe or something?
And to the OP - sorry to hear and hope it will be turn out ok for you...
i think some red cross guy was trying to steal my details earlyer, he came knocking for donations i wasnt intrested but just went along thinking he would give me the forms and go away, can you believe he wanted to fill in the forms for me at the door step and expected to put my debit card details on the forum for direct debit, i said give the form and i will sort it out later and he said we do the processing...
right im sure there suposed to be filling in peoples bank details and holding onto the forms afterwards. seems fishy to me.
right im sure there suposed to be filling in peoples bank details and holding onto the forms afterwards. seems fishy to me.
I've always tried to avoid credit cards because I never want the temptation to spend more than I have (hence the low overdraft).
At least it's something I will look into. The bank has quoted me a 10 working day turnaround, which is more of a killer than anything. I won't have any money for essentially 2 weeks
Also, what happens about the overdraft limit? If it's breached surely they can't charge me £30 now that I've reported it under fraud.
You might find they already have.
They should, however, refund it if they have done. A phone call usually sorts it out. It's something that can get overlooked by the bank, which is focussed on the fraudulent transactions.
A friend of mine got scammed for thousands through Paypal a while back...Paypal told them it could take 6 months to refund the money, even though it was acknowledged as theft within hours of it happening. So 10 days is pretty quick in comparison.
That's exactly what I do I try to keep around 200 in my current account and the rest in savings (I'm a student so expenditure isn't high).
Soldato
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Yeah it's a bit late now but what I do is have a debit card linked to e-savings. So I keep enough on the card to do the day to day expenses, with the savings inaccessible without logging on and transferring the money (which is instant). So if this was to happen, I wouldn't have a massive dent in my savings.
Wouldn't suprise me with paypal tbh. Debit card refunds from banks are usually within 5 days though.
Deleted member 651465
Deleted member 651465
OP
Which is what I usually do, except I had transferred the money ready to pay off the honeymoon today (half day at work)
Sucks man Someone once stole a cheque from me and managed to withdraw £2k from my account. Fortunately I managed to stop the cheque so the funds were returned, however I know the feelings you've been going through. The bank and police weren't interested in justice at all, despite the fact I gave them a pretty good prime suspect (cleaner in the office). It's disgusting 
Someone once stole a cheque from me and managed to withdraw £2k from my account. Fortunately I managed to stop the cheque so the funds were returned, however I know the feelings you've been going through. The bank and police weren't interested in justice at all, despite the fact I gave them a pretty good prime suspect (cleaner in the office). It's disgusting 
Soldato
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I haven't read the whole thread, so you might have had this sorted by now. But I have had money taken from 2 accounts on two different occasions and I have got the money back, in full, both times. I bank with Barclay's as well, they are very good I found, so don't worry too much.
One of these times was when my bank card got stolen from my flat (which had been burgled) and they also took a folder which had my pin number written on some paper in it.................oooops
One of these times was when my bank card got stolen from my flat (which had been burgled) and they also took a folder which had my pin number written on some paper in it.................oooops
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One thing to keep in mind is don't just think of where your card could have been cloned in the last week or even month. I hadn't used my NatWest credit card for a year since I moved to Prague and it had sat in a drawer in my flat all that time, then out of the blue I had a few hundred quid put on it from an online gambling site.
i was a victim of fraud once with my debit card, nationwide just sent me a form to fill in and then gave me all the money back for the illegal transactions and made it their problem rather than mine. Hopefully your bank sort you out as quickly and easily as mine did
Just another thought, you could get a temporary overdraft to hold you afloat whilst you wait for the money to be returned. 24 hour turnaround on overdraft is better than the 9 more days you've got to go with no cash.
Good luck!
Good luck!
Man of Honour
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They have to, if your account was accessed without your permission then they're liable and any bank will refund the money and deal with the rest themselves. I've never even heard of a bank which has made a fuss about proving it.
They're transaction security is pretty awful at times though, my girlfriend had a fraudulent transaction on her account, withdrawing cash in eastern europe, despite the transaction being within an hour of withdrawing cash in central london, it's a little disappointing that they don't pick that sort of thing up by now.
Man of Honour
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Won't even be 24 hours, any decent bank will increase your overdraft to cover fraud almost instantly, if they won't then seriously consider going elsewhere.