I have been robbed!

I think you're all missing the point. Stop flaming the banks & PayPal.

OP needs to secure his PC ASAP/stop using the same password on multiple sites or the same thing is going to happen again.
 
Tell your bank they will lose you as a customer if they don't do anything about it and they'll be more inclined to help. Also find out the name of the manager/person you have spoken to and tell them you are taking it higher and you are going to use their name when complaining to their superiors about this (them not helping).
No one wants there name being used when its something to do with complaints and they will want to help more so you won't do this, it usually works everytime. Most of the time they can help but just want someone else to do it, they soon change their mind when they think they're going to look bad in their superiors eyes lol.
 
i had a similar thing happen to me but i had like £6k nicked off my credit card, but i got all back in the end, took a while to sort out though.
 
fluff said:
I think you're all missing the point. Stop flaming the banks & PayPal.

OP needs to secure his PC ASAP/stop using the same password on multiple sites or the same thing is going to happen again.
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Why would we tell him to do that when he's already said he's done it?
 
Never link your PayPal account to your bank account, only to your credit card. You have a certain amount of extra protection from things like this.

Hope it gets sorted soon though - have the bank given you an interest free overdraft to tide you over in the meantime?
 
Similar thing happened to me not so long ago, PayPal sorted it in the end though it took them a few weeks to sort out a few discrepancies on my account due to exchange rates etc as the charges were in dollars and when they gave it back the rate had of course changed.

My bank (NatWest) froze the payment so it didn't physically leave my account but was not "available" and said it wouldn't be counted towards overdraft etc, but wouldn't reverse it until PayPal had completed their investigation, which is understandable I guess. They were very helpful with plenty of advice.

I still have no clue how they gained access to my account. I use an impossible to guess password and had no virus or malware on any PC that had accessed the account.

I now no longer have my bank account linked to my PayPal account, only a credit card as it gives you an extra layer of protection.
 
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I think it is perhaps slightly unfortunate that the OP banks with Santander, rather than with one of the main UK 'high street' banks.

It shouldn't make any difference, I know, but Santander are not known for their high level of customer service, and I fell that a personal visit to their local branch first thing on Monday morning might not be such a bad idea.

Hope it all gets sorted sooner, rather than later, anyway.
 
Another tip, don't keep all your money in your current account. I keep a relatively small amount (£2-300) in my current account which is linked to an online savings account which can only be accessed through the banks website. Therefore I can move money between the two easily. This means that if there is ever any fraud on my card/account it will only be for a small amount.
 
Montala said:
I think it is perhaps slightly unfortunate that the OP banks with Santander, rather than with one of the main UK 'high street' banks.

It shouldn't make any difference, I know, but Santander are not known for their high level of customer service, and I fell that a personal visit to their local branch first thing on Monday morning might not be such a bad idea.

Hope it all gets sorted sooner, rather than later, anyway.
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I can't see how the bank are to blame in this case? Surely it is Paypal that is at fault? Hope you get it sorted either way.

With Paypal you can add an extra layer of security whereby they text you a code to key in before transactions go through.

If you are going to switch banks, I recommend First Direct. Don't got to Lloyds as they have just recruited as CEO the guy who drove Santander's CS into the toilet.
 
Nobody else think it's disgusting that PayPal is logged into by an email address and password, yet it stores all the card and bank details needed for a transaction? Jesus, most sites these days use AT LEAST 3D protection on debit and credit cards and to log into online banking you usually need either a membership number which is not to be shared or an authentication device like PINSentry.

Just seems ridiculous that PayPal's idea of security goes no further than encrypting the connection, rather than requiring information that in at least 99.9% of cases an unauthorised user would not be able to access.
 
Burnsy2023 said:
Tell them that isn't good enough. Regardless of who the payment went to, it is your banks responsibility to deal with fraudulent transactions.
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Defo this. Say you didn't authorise the payment and you want to know why your account has been debited now.
 
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