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Fraud on my current account

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GudFella
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2006/07/11 11:46:45 (permalink)

Fraud on my current account

I recently sent for my current account card as it had been damaged. Now, they say 5-7 working days or whatever the standard quote is.

Anyway, it's been over 3 weeks and i do not have it. I'm thinking this is taking the mickey. However, i still never made the time to ring up as i had been really busy with my best mate's wedding and other stuff happening.

I get my bank statement this week and to my shock and horror, there were a plethora of transactions that i didn't recognise.

Also, I only had £400 in my Cur Acc, and apparently a large sum of money was paid in by lord knows whom and thereafter cash transactions have been made, shopping sprees etc.

At this point, i'm rather livid, ring my bank and demand to know what the hell is going on. I tell them i don't have a bloody clue what's been happening on my account, and i have nver received the card or made any of these transactions. Then the advisor has the cheek to accuse me of being negligent.

She said you must have received the card and pin through the post and got complacent. My BP rising

I then let her mind become aware of all the other possibilities that could exist: Someone swiped the mail, knows my details etc etc

I ask to speak to her manager and get her to apologise to me. Manager goes we will look into this.

Anybody ever have this happen to them?

Will this affect my credit rating etc?

Thanks
post edited by GudFella - 2006/07/11 11:47:27
#1

11 Replies Related Threads

    USA DEALS
    Jax Demon
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    RE: Angry Fraud on my current account 2006/07/11 11:49:19 (permalink)
    the bank and police will sort it out

    your account will be suspended i would imagine
    the card will be swallowed at the next cash point
    and hopefully the bank will refund the money that was took out aslong as you didnt do it

    wont affect your credit rating

    check the statement for where the money has been drawn out has there should be a code next to the place where the money was drawn out if someone has used the cash machine
    post edited by davedarave01uk - 2006/07/11 11:50:31
    #2
    GudFella
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    RE: Angry Fraud on my current account 2006/07/11 12:04:26 (permalink)
    wont affect your credit rating


    Will this go on my credit files though?

    The bank manager said police will investigate.
    #3
    lradford
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    RE: Angry Fraud on my current account 2006/07/11 12:16:47 (permalink)
    It won't go on your credit file as it's a debit card, there is no form of credit in use here as there would be with a credit card or catalogue for example.
    #4
    GudFella
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    RE: Angry Fraud on my current account 2006/07/11 12:26:11 (permalink)
    It won't go on your credit file as it's a debit card, there is no form of credit in use here as there would be with a credit card or catalogue for example.


    That's a relief as my credit rating is already shaky.

    #5
    DEAD_WEIGHT
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    RE: Angry Fraud on my current account 2006/07/11 13:28:00 (permalink)
    Nasty mate, i have been lucky this has never happened to me i hope they get them and sort your account out
    #6
    RedTim
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    RE: Angry Fraud on my current account 2006/07/11 13:58:59 (permalink)
    To be fair leaving it 3 weeks before thinking about doing anything was a bit daft. Sure you've been busy but making a phone call doesn't take long

    Ah well, lessoned learned I expect, hopefully you'll get any lost money back.
    #7
    LOCUST
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    RE: Fraud on my current account 2006/07/11 14:32:02 (permalink)
    Had someone call telephone banking with my detail arrange an overdraft then transfer out £3500 into another account.

    I got it all back in a week, but had greif with closing the accounts for nearly a year.
    #8
    Imy79
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    RE: Fraud on my current account 2006/07/11 14:36:50 (permalink)
    It will get sorted after investigations, You will get all your money refunded.

    No, yoru history will not be affected at all.

    imy79
    #9
    GudFella
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    RE: Fraud on my current account 2006/07/11 14:40:30 (permalink)
    To be fair leaving it 3 weeks before thinking about doing anything was a bit daft. Sure you've been busy but making a phone call doesn't take long


    I agree with you mate. However, I've been away with my friends for a few weeks too celebrating end of exams etc. To be honest, i'd forgot all about it until i recevied my statement.

    Sometimes, you just forget.
    #10
    MuscleDeaf
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    RE: Fraud on my current account 2006/07/11 15:43:43 (permalink)
    Whenever I am provided with a new debit or credit card, I always collect it in person at the bank - much safer that way I'm sure. My bank even cuts up my old card in front of me. I know not everybody is able to call in the bank in person due to work, etc.

    Had similiar (but very small) fraud transaction on my debit card once and it got sorted out with refund eventually. The same will happen with yours. Don't worry - relax!

    Cheers

    MD

    #11
    GudFella
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    RE: Fraud on my current account 2006/07/12 02:44:05 (permalink)
    Had similiar (but very small) fraud transaction on my debit card once and it got sorted out with refund eventually. The same will happen with yours. Don't worry - relax!


    I am relaxed now mate. I was just angry at first.
    #12
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