Need Help - Re Bank Fraud

OP, do you have identity theft protection or legal assistance with your house insurance? I think it might be time to start using these services if you do.

If not, well I would get on to the credit reference agencies to put a marker on your file to warn you if more credit is applied for in your name.

To everyone else, you can sometimes get immediate access to a loan with your bank. Every time my ex went into a branch they would tell her she had £20,000+ available in a pre-approved loan if she wanted it. She wasn't rich, earnt £18k pa, but saved loads and so had a good credit rating with the bank.
 
Ok final update and its a good one. HSBC have refunded ALL of my money that was spent even though things still dont add up. They didnt tell me why they had a change of heart but did tell me they spent all day listening to recordings of phone calls etc regarding the incident.

I suspect they gave my login details out by mistake somehow, I also suspect they realised they shouldnt have destroyed the card I gave to them and probably also had a case against Kanoo. Apparently the fraudster went into Kanoo 6 TIMES to try and get £4,900 out. Twice went through, first 2 and the rest were stopped. They also used a fake copy of my passport, but all the details were incorrect, passport number, exp date, picture etc.

Either way I'm changing all my info and would advise others to make sure they are secure also. NEVER keep your savings in the same online banking system as your current account, and be super vigilant in clubs for pick-pockets.

Personally I'm now doing credit checks on myself, will get some ID theft help included with my HSBC account, will only take a debit card with a small amount of money out with me on nights out etc.

I can't even begin to explain how relieved I am, I can get back on track now :)

Thanks for all the help, even if I didnt respond to lots of the advice I did note it down and it did help. :)
 
Monster said:
Ok final update and its a good one. HSBC have refunded ALL of my money that was spent even though things still dont add up. They didnt tell me why they had a change of heart but did tell me they spent all day listening to recordings of phone calls etc regarding the incident.

I suspect they gave my login details out by mistake somehow, I also suspect they realised they shouldnt have destroyed the card I gave to them and probably also had a case against Kanoo. Apparently the fraudster went into Kanoo 6 TIMES to try and get £4,900 out. Twice went through, first 2 and the rest were stopped. They also used a fake copy of my passport, but all the details were incorrect, passport number, exp date, picture etc.

Either way I'm changing all my info and would advise others to make sure they are secure also. NEVER keep your savings in the same online banking system as your current account, and be super vigilant in clubs for pick-pockets.

Personally I'm now doing credit checks on myself, will get some ID theft help included with my HSBC account, will only take a debit card with a small amount of money out with me on nights out etc.

I can't even begin to explain how relieved I am, I can get back on track now :)

Thanks for all the help, even if I didnt respond to lots of the advice I did note it down and it did help. :)
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All you have to worry about now is the gang who have targeted you for scamming not being angry at you for sussing it out and targeting you for violence. It happens.

Also its likely they have been in your house (to get hold of your passport).

I would suggest doing what i do, lob your savings in a different bank and when you go out go out with a debit card with no overdraft facility. A transfer from one of my accounts to another takes atleast 3 days as i havent got 2 accounts with the same bank.

I still dont understand how they got hold of your IB number (the code you have to give them for telephone banking) however i do know that lloyds tsb is pretty much the best customer service wise when dealing with their fraudulent crime team :)
 
The thing that riles me is with the bank calling you stuff, they hold you responsible if you refuse to talk to them, but they have no way to prove who they are so if you don't believe they are who they say they are and don't talk to them, you become responsible for any problems that might crop up.

The reason this is bad is, banks don't stick to certain numbers to call you from, and they don't have to match up a single piece of information to yours, to confirm who they are. The whole system is an utter joke, basically someone can phone you up, pretend to be a bank, confirm some of your details to allow them to talk to you, ask you any old official sounding question "did you order pizza last night" you say no, they say they'll refund the cash and it will show up on next bill, all sounds official, you've given out bits of information and its YOUR fault, even though real calls from you real bank have no security involved AT ALL, to confirm who they are.

Something simple, a letter, a call centre a SINGLE number so you can program it into your phone and with caller id know its your bank calling you. OR they call, give you a code, you phone your bank and the code gets your straight through to the person, but again you've phoned a number listed on your card/banks website and you know its them.

How they've not sorted that major issue out is a joke, you're screwed if you talk to someone whose not really with the bank, and you're screwed if you don't, and they won't do anything to improve it.

As for the OP, I'm sure you can somehow request more detailed info on what happened, demand even, because you need to know what happens to know how to avoid it.

I suspect the bank has done something incredibly stupid, realised it, and hoped getting your money stops questions being asked.

It also would seem that well, my guess would be, seeing as the cash exchange is in person, that the cabby took you to a fake cash machine, or a cash machine with one of the fake inserts added, in which case, it doesn't matter whose card you put in, its probably set to give out the right amount to anyone and simply record the pin number you put in, either they had your card already, or the machine ate it and chucked out a fake one stored in it waiting.

Have you ever logged onto your bank on the phone, because even though it won't store the pin, it can store the IB number, HSBC website allows the browser to store the IB number, from then its one pin to get into the account and move all the money from savings to current account.

WIth a phone they can probably find who the phone is registered to and where pretty easily, if the information isn't directly on the phone, then any person working at one of dozens of places that could check the number on a database.

So the pin is easy to get, the card is easy to get, the IB is potentially very easy to get, the pin to log in online isn't as easy, but if you wrote it down anywhere, maybe kept an e-mail with log in info somewhere in a saved e-mail, or if they reset it and used your e-mail somehow, i know my pin for logging into HSBC was chosen, not one simply sent by mail but its been SOOO long since I opened it I can't remember how its chosen or how you reset it.
 
What about the loans and overdraft i'm guessing they have taken that off your record and it hasn't affected your credit rating ?

I'd be pretty worried about that, lets say you apply for a mortgage in afew years but your credit report might say you've still got an overdraft and/or a loan ?

Just because the bank isn't askiing for payment i'd be making sure it isn't and won't affect my credit score.
 
MadMan-JaMeS said:
What about the loans and overdraft i'm guessing they have taken that off your record and it hasn't affected your credit rating ?

I'd be pretty worried about that, lets say you apply for a mortgage in afew years but your credit report might say you've still got an overdraft and/or a loan ?

Just because the bank isn't askiing for payment i'd be making sure it isn't and won't affect my credit score.
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Personally I'd just take an equifax trail/statuary report in about 2/3 months (once its calmed down) and just check, would be able to be removed if anything bad was on there.
 
You wait, CCTV is going to show it was you all along :p You just got REALLY drunk.
 
Anyone thought about dodgy call centre worker being bribed and giving the information out? Wasn't there something on watchdog ages ago about this happening in Lloyds TSB?
 
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