Need Help - Re Bank Fraud

Monster

Monster

Monster

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Joined
19 Oct 2002
Posts
1,475
Location
Reading
Hey all,

Last weekend I went out, got drunk with mates for a 25th and lost my phone (possibly pick pocketed). Anyhow at the end of the night my friends had left, I got £20 out the cash machine and got into a taxi.

Next day I get a call from the bank, my card has been used at a cash point, Kanoo (foreign exchange), Currys and Debenhams. The toerags have got onto my internet banking and cleared out my savings account, opened loans, increased overdraft, done money transfers etc.

The bank refunded it all but put a stop on my account. The bank calls me today and tells me they aren't going to refund a penny (£20k in total is my loss).

Does anyone know what I can do? Especially as the fraudsters phoned up HSBC and HSBC gave them my login information - using my DOB, Postcode etc.

Really need help as this money has taken me 3.5years of hard saving, I'm totally devastated.

Cheers in advance.
 
Monster said:
The bank refunded it all but put a stop on my account. The bank calls me today and tells me they aren't going to refund a penny (£20k in total is my loss).
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Eh? :confused:

And the bank shouldn't be giving out log in details, especially passwords/pins surely?
 
I'm confused...

*Edit* - So your bank has given out your details?

If your cards were used at a cash point and in the shops, in this case why haven't you contacted the police as they can get involved and look at times and CCTV...
 
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doesn't sound right to me - unless you a nice text files on your phone which spelled out for the fraudsters what the passwords long-ins etc were.

The bank would only generally refuse to put things right if you are found to have contributed to the loss by not taking proper steps to secure your own information.

It does't sound right that someone could call your bank and obtain the details you allege without at least having various passwrds etc that would be necessary before any bank would give out any personal details to a telephone caller.
 
Well you will have to take them to court then. Most banks cover you for such losses. You might just have to fight it. Sorry to hear that, I had £8k stollen from my credit card when travelling around America.
 
Monster said:
oes anyone know what I can do? Especially as the fraudsters phoned up HSBC and HSBC gave them my login information - using my DOB, Postcode etc.
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That would never happen. It's the other way round. When you phone up a bank, the agent representing the bank will say "can I confirm your name please?", then "what is your date of birth?" and "what is the top line of your address?"
 
How did they gain access to your internet accounts?

The story sounds some what far fetched - a detailed time line would help to clear things up.
 
I am also confused. How did the fraudster's get your name, date of birth, address, account details from just stealing your phone? Or are the two not related?

If you had all those details stored in the phone then the bank are probably within your rights to refuse to reimburse you as you have indeed failed to take sufficient care.

Also I have never heard of a bank giving login/password details over the phone even if you do prove who you are (dob, security questions etc) as normally they will reset your password but send you a new one in the post.
 
Monserrat said:
That would never happen. It's the other way round. When you phone up a bank, the agent representing the bank will say "can I confirm your name please?", then "what is your date of birth?" and "what is the top line of your address?"
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I think the OP means the fraudsters gave the bank all that info over the phone and the bank then gave them his login details. Still would never happen though.
 
Yea my misses works for HSBC and I use the telephone banking every now and again. The others in this thread are bang on, before now I have had trouble accessing our joint account as I had no idea on passwords etc.

On the other hand if you had your full address, mothers maiden name etc stored on the phone then that could well be a problem. But who does that right?

edit: Also log in information is never given over the phone it arrives in a couple of letters. Is it not possible that somebody could have cloned your card or something?
 
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Greebo said:
I am also confused. How did the fraudster's get your name, date of birth, address, account details from just stealing your phone? Or are the two not related?

If you had all those details stored in the phone then the bank are probably within your rights to refuse to reimburse you as you have indeed failed to take sufficient care.

Also I have never heard of a bank giving login/password details over the phone even if you do prove who you are (dob, security questions etc) as normally they will reset your password but send you a new one in the post.
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All on his facebook account. Have a look. I just got myself a loan in his name :p
 
Couple of things for you:

Any purchases made at the retailers will have to have been done using the pin for the card - how did the people know the pin number? In the unlikely event the magnetic strip was used the merchant is liable for the fraudulent transactions.

Your bank giving out log in information is a major no no and I am amazed that they would do this.

How did the fraudsters gain all the information to convince the bank -they will usually always ask one transactional type question to cover these situations.

Ask for a transcript of the call to ensure that the bank followed proper procedures to verify the identity of the caller.
 
When you call up HSBC and use their telephone banking system, they ask you for your security code set up on your account when you opened it :confused:. Unless you used something very silly like your own DOB, how did they find that out along with your other details.
 
I suspect the op kept everything stored on his phone. If so then very silly and he will not get the money back from the bank.
 
Greebo said:
Not likely. WHo puts their full name, address and bank account numbers on their facebook account? :p
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Was a joke :rolleyes:

But if you are added to their friend list. You will have access to their surname. You could have their first school (sometimes a security question) Mothers maiden name if she reverts back to it if devorced. Date of birth from your age or just people wishing you happy birthday. You could easy build up enough info to steal from someone on there. :p

Swifty55 said:
Noticed how the OP hasn't replied since...
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Maybe his computer has been stolen? :p
 
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