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I was a victim of Online Banking Fraud using an online fast payment system.
QUESTION-? can I claim my bank was negligent in trying to recover my money (several thousands £)
This is a complex fraud that took place where my Yahoo mail was hacked and a fraudster pretended to be my solicitor in a property purchase. My details about the purchase were leaked - a scam call from solicitor pretended to take an engagement fee payment with my debit card and then told me to expect an email request for 10% deposit to their Lloyds bank to secure property exchange. They confirmed their name and all the details of the sale.
I had no idea that the online transfer I made a few days later was to an online crook and not my solicitor.
Here it gets interesting .... within 12hrs of this I established with the help of online banking fraud team that this individual was also a customer of my bank. The money was sent to Post Office Counters in smaller amounts and then abroad as foreign currency using MoneyGram.
At this time I knew the amounts sent including pence and the date and time sent. The bank then refused to disclose any more information until the police were involved. They stated Data Protection Act protected all their customers until a court requested further information. A big rubber stamp with case closed was all that any bank official mentioned when I called back for further help.!
I immediately contacted Post Office Counters and told them of the exact amounts and exact time these payments were made to MoneyGram. The bank had even stated that these payments were `pending transactions'. The Post Office Counters supervisor confirmed that they could identify these payments and if I could get an official from the bank to provide them with a name and debit card number they could freeze these payments if fraud was suspected and they had not been collected at the receiving end.
When I call back the bank they refuse to share any information. If they had made a call to the Post Office Counter team within this crucial 24hrs after the fraud then there is a chance I may have some of my money returned. I am aware that if someone is waiting in the receiving country MoneyGram may only have these funds in their system for a short time but there is still a chance there may be a few hours delay and the fact that the bank stated `pending transactions' indicates funds had maybe not cleared?
The MET police took three months to establish this genuine bank customer quit his job and left the UK the day after the fraud. The bank have always claimed that they did all they possibly could to get my money back stating that they protect customer data. I felt like the bank was protecting a criminal and not their honest customer who happened to be a victim.
I still maintain that if my bank had suggested fraud to Post Office Counters on the day it happened then we may have got some of my money back.
My court hearing against the bank is at the end of March. Any advice or help with this would be greatly appreciated.
Thank you in advance for reading through all of this.......
williamcommon
QUESTION-? can I claim my bank was negligent in trying to recover my money (several thousands £)
This is a complex fraud that took place where my Yahoo mail was hacked and a fraudster pretended to be my solicitor in a property purchase. My details about the purchase were leaked - a scam call from solicitor pretended to take an engagement fee payment with my debit card and then told me to expect an email request for 10% deposit to their Lloyds bank to secure property exchange. They confirmed their name and all the details of the sale.
I had no idea that the online transfer I made a few days later was to an online crook and not my solicitor.
Here it gets interesting .... within 12hrs of this I established with the help of online banking fraud team that this individual was also a customer of my bank. The money was sent to Post Office Counters in smaller amounts and then abroad as foreign currency using MoneyGram.
At this time I knew the amounts sent including pence and the date and time sent. The bank then refused to disclose any more information until the police were involved. They stated Data Protection Act protected all their customers until a court requested further information. A big rubber stamp with case closed was all that any bank official mentioned when I called back for further help.!
I immediately contacted Post Office Counters and told them of the exact amounts and exact time these payments were made to MoneyGram. The bank had even stated that these payments were `pending transactions'. The Post Office Counters supervisor confirmed that they could identify these payments and if I could get an official from the bank to provide them with a name and debit card number they could freeze these payments if fraud was suspected and they had not been collected at the receiving end.
When I call back the bank they refuse to share any information. If they had made a call to the Post Office Counter team within this crucial 24hrs after the fraud then there is a chance I may have some of my money returned. I am aware that if someone is waiting in the receiving country MoneyGram may only have these funds in their system for a short time but there is still a chance there may be a few hours delay and the fact that the bank stated `pending transactions' indicates funds had maybe not cleared?
The MET police took three months to establish this genuine bank customer quit his job and left the UK the day after the fraud. The bank have always claimed that they did all they possibly could to get my money back stating that they protect customer data. I felt like the bank was protecting a criminal and not their honest customer who happened to be a victim.
I still maintain that if my bank had suggested fraud to Post Office Counters on the day it happened then we may have got some of my money back.
My court hearing against the bank is at the end of March. Any advice or help with this would be greatly appreciated.
Thank you in advance for reading through all of this.......
williamcommon
Last edited by Kati; Today at 09:31:AM.
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