Barclays Bank Refusing Fraud Claim after theft.

[mrkipling]

I was the victim of a professional gang of thieves. I have no memory of the actual theft as I was drugged. All I know is I was out in Manchester centre and I woke up in my bed and it took me a while to figure out what had happened. I woke up bruised and sore, realising I'd been robbed when I couldn't find my bank cards and checked my accounts. I only have 1 flashback of the memory blank of being in a car with 3 guys who at the time were being really friendly. I can only presume that struggling to get a taxi I was approached by these guys who managed to convived me for them to give me a lift home. They somehow then drugged me and they managed to get my pin number and the only way they could have done that is by either watching me at a cash machine or by beating it out of me. While they had me drugged and under their control and they had my fingerprint access to my phone.

They transferred all the money I had in my coinbase account which was around £1600 worth of ETH
They stole
3 credit cards
3 debit cards
My driving license with my name, address and DOB on it.

They applied for several loans in my name and were successful with 2 payday loans, the loans were paid into my accounts and removed from cash machines.

All in all they managed to get £5k out of me and it has cost a further £1k to change all the locks in the house and the car.

Now I've accepted that I'll never see the Cryptocurrency again as once it's gone it's gone but I'm really upset that the Bank are refusing my claim.

I've obviously reported this to the police and action fraud and put a CIFAs on my credit report to stop any more fraud.

All 3 credit cards were easy to deal with and accepted my theft claim.
2 of the banks accepted my claim.

Barclays however after telling me they accepted the claim on the phone and then texting me to say the claim was complete, then wrote to me telling me that they don't think any fraud has occurred and that there was no third party involved. I picked up the phone to them to complain about this thinking they would sort it and after getting through to a manager I ended up getting accused of it being my fault and they basically give me every reason they could think of not to pay out the claim, they said I had my pin number written down (which I didn't), they said I told someone to take the money out of the account (which I didn't), they accused me of being negligent, they said that if I can't remember what happened then they are not able to uphold a claim throwing every excuse they could think of at me in order not to pay out. This really upset me as it was like being robbed all over again. They closed the fraud case and the complaint as rejected. They said the only way they would pay out is if the police found the people who did this and prosecuted them.

I really think this is a disgusting way for Barclays to act and it has added a great deal of extra stress to an already bad situation.

I'm not going don't without a fight however and want to put in an official written complaint.

What are the FCA guidelines in a situation like this? Can they get away with just rejecting it if they feel like it? What is the best way for me to fight this?

I'm also having problems with one of the Payday Loans which I think it is best to open up another thread on:
https://legalbeagles.info/forums/for...im-after-theft

[mrkipling]

Further insult to injury I've just had a text from barclays saying that I'm £1600 overdrawn, I presume they are charging me interest and fees on this as well but I don't currently have any access to online banking to see what is going on.

[Amethyst]

Did you report the theft and assault to the Police and given Barclays the details of that?

Theyd know which cash machines were used to withdraw money and be able to check cctv ?

[mrkipling]

Yes reported to the police and to action fruad. The money was taken out of a barclays bank cash machine inside a main branch and they will have CCTV. I raised this with them and they said I could have given someone my pin and card and told them to take the money out for me. They are hardballing and using every excuse they can.

[Amethyst]

Have you asked the Police to request copies of the CCTV from when the cash was taken out from the bank ( as this might assist them in identifying the thieves as well as assisting you with your claim against Barclays ). You'd think the Police would do that in any case tbh.

[mrkipling]

Yes the police are requesting the CCTV, Barclays have already stated that someone else taking out the money is not proof of fraud. They said I could have given someone my card and pin and told them to take the money out. They really have given me every excuse under the sun not to pay. Their stance now is that the police have to find and prosecute the person who did this at which point they would attempt to recover the funds from the thief. I would really like the people who did this to be caught but as a professional gang who do this for a living, I'm not holding my breath.

I need to formulate a strong complaint letter to Barclays and raise this with the financial ombudsman.