Fraud victim

kaptainmarc · 7 Mar 2016 at 08:43

well my weekend was ruined last night!

checked my bank account to find all my savings had been transferred across into my normal account and then it had been emptied. all my savings for the wedding in May the whole lot!

safe to say I cacked my pants!

Its all getting sorted now and the transactions reversed.

but it got me thinking, obviously someone has took my money and bought something but what happens to the shop that has sold something on the sunday lets say for arguements sake a TV the person has the TV and the shop is waiting for the money to clear.

do they get the money? does their insurance cover it?

kaptainmarc · 7 Mar 2016 at 09:38

I know how it was done, feel abit stupid for falling for it.

Paypal fake email being sent around that look genuine. saw it at 7am half asleep clicked it and "ammended my account" basically gave them everything. stupid mistake and lesson learnt

all my passwords have been changed. cards cancelled.

might cancel my paypal account and start a new one up just incase

kaptainmarc · 7 Mar 2016 at 09:45

Jono8 said:
Poor form man!

Yeah lesson learned, went back and had a look at the email and its very convincing.

they still managed to ring lloyds up pretending to be me and then transferred all my money out of my savings account, then paid all that into a american express card they own and had a nice shopping spree.

I never normally use email links and if there is a problem go straight to the website but for some reason being being tired and with work to do I took the easy route.

Offending email

kaptainmarc · 7 Mar 2016 at 10:06

yes I know its obvious now, I needed to pay for something that day, saw this on my email in the morning rushed to sort it as i was at work.

everyone makes mistakes. just an unfortunate one for me to make

my paypal still has all the money in it.

kaptainmarc · 7 Mar 2016 at 10:10

stuman said:
rule of thumb.

if a company sends you an email telling you to log in.

DONE USE THE LINKS!

easy!

yup, as said its what I normally do

kaptainmarc · 7 Mar 2016 at 10:19

The Geezer said:
There are basic rules that we ALL must follow:

If an email comes from an organisation we have a financial relationship with, NEVER follow a link they provide - contact them directly if you are concerned about the contact.

Have separate password for online transfers against telephone banking passwords

This was where the system failed, I have never used telephone banking but it was there and had no password connected to it.

even with all my paypal details they couldn't transfer any across into paypal as its all in a saving style account and I transfer its across as and when i need it.

I now have a password on my telephone banking. ( i didn't even know i had telephone banking)

kaptainmarc · 7 Mar 2016 at 13:05

Diagro said:
Dont tell the bank this... they will LAUGH

well you were wrong.

they actually said no problem we will get this sorted.

so you were a bit of the mark. They were the ones that let some one who wasn't me ring up and change everything. normally if you make a payment to another card like they did you get a call to set up a new recipient.

that didn't happen.

kaptainmarc · 7 Mar 2016 at 13:23

Hades said:
When you setup a new payment for Lloyds then they send you a text to your phone. If you change your phone contact details they text you on the old number and then you can't make any payments for a fay or two. How did they get around that?

absolutely no idea! the lady said there had been no internet banking/app activity so it must have been by phone.

as they had to transfer it into my main account to get at it.