Discussion
Hello,
To cut a long story short switching banks from HSBC to Lloyds including opening a separate savings account. This Monday the new card and pin was stolen from the post the person then went to Lloyds bank in Putney asked to transfer money from the savings to the current account which they then proceeded to take out at the banks cashpoint.
I have gone through the usual Lloyds fraud team and have been recompensed. The problem I have is I suspect this to be a neighbour as in flats or postman as the gentleman upstairs has also had cards stolen in the past. Do you ring the Police in this situation or do you just have to hope that it never happens again? I would have thought that the cashpoint would have had CCTV.
Never had to deal with this situation before so peoples thoughts would be appreciated.
To cut a long story short switching banks from HSBC to Lloyds including opening a separate savings account. This Monday the new card and pin was stolen from the post the person then went to Lloyds bank in Putney asked to transfer money from the savings to the current account which they then proceeded to take out at the banks cashpoint.
I have gone through the usual Lloyds fraud team and have been recompensed. The problem I have is I suspect this to be a neighbour as in flats or postman as the gentleman upstairs has also had cards stolen in the past. Do you ring the Police in this situation or do you just have to hope that it never happens again? I would have thought that the cashpoint would have had CCTV.
Never had to deal with this situation before so peoples thoughts would be appreciated.
Thanks, will give them a call. Most annoying part is when I rang up to report the fraud I had to answer half a dozen security questions before they would even discuss my account. A man walks into the bank with just my card and new pin then manages to transfer money from a separate account to the current account and withdraw this money on the way out.
Great start to banking with Lloyds, within 4 days of opening the account I'm already been robbed.
Great start to banking with Lloyds, within 4 days of opening the account I'm already been robbed.
Sorry! Maybe robbed was not the correct word. It is a bit annoying though that the only identification they needed was a bank card and a pin, this got them access to a separate account that is not attached to the debit card. When I went to order a new card I got asked security questions.
jmar2971 said:
Sorry! Maybe robbed was not the correct word. It is a bit annoying though that the only identification they needed was a bank card and a pin, this got them access to a separate account that is not attached to the debit card. When I went to order a new card I got asked security questions.
A PIN is the usual way of identifying that you are who you say you are when making a purchase of which a balance transfer counts for when done in branch. How would you be able to do that over the phone? All banks operate like that...R8VXF said:
jmar2971 said:
Sorry! Maybe robbed was not the correct word. It is a bit annoying though that the only identification they needed was a bank card and a pin, this got them access to a separate account that is not attached to the debit card. When I went to order a new card I got asked security questions.
A PIN is the usual way of identifying that you are who you say you are when making a purchase of which a balance transfer counts for when done in branch. How would you be able to do that over the phone? All banks operate like that...jmar2971 said:
R8VXF said:
jmar2971 said:
Sorry! Maybe robbed was not the correct word. It is a bit annoying though that the only identification they needed was a bank card and a pin, this got them access to a separate account that is not attached to the debit card. When I went to order a new card I got asked security questions.
A PIN is the usual way of identifying that you are who you say you are when making a purchase of which a balance transfer counts for when done in branch. How would you be able to do that over the phone? All banks operate like that...
Well again thanks for everyone's help anyway. Looks like the best thing I can do is just ring the action fraud team and just log it. New card ordered to a branch so at least it wont happen again.
Someone is walking around with £300 in the back pocket and I'm sure a new belt as well (was meant to arrive same day as the card still no sign). Successful day for them!
Someone is walking around with £300 in the back pocket and I'm sure a new belt as well (was meant to arrive same day as the card still no sign). Successful day for them!
The banks anti fraud departments are good at what they do and most of what they do is spotting patterns. If 2 people from the same building having their cards and pins nicked, is anything more than a coincidence and makes there a reasonable chance of catching someone, they will already be on it.
But i suspect you need atleast 3rd instance to really get anyone's attention
But i suspect you need atleast 3rd instance to really get anyone's attention
ging84 said:
The banks anti fraud departments are good at what they do and most of what they do is spotting patterns. If 2 people from the same building having their cards and pins nicked, is anything more than a coincidence and makes there a reasonable chance of catching someone, they will already be on it.
But i suspect you need atleast 3rd instance to really get anyone's attention
they are very good, but sometimes they have an off day. a few years back I paid for a car on my debit card, 15k+, then went into work.But i suspect you need atleast 3rd instance to really get anyone's attention
that afternoon i nipped into town to do some xmas shopping, and had to answer a number of security questions on the phone before they would authorise £15 on a scarf. door and horse, bolted
Payment cards and PINs are sent separately and a few days apart, for security purposes, so you have had your mail compromised. I would wonder what else in your mail has also been compromised, perhaps to clone your identity, this may explain why the Lloyds accounts were accessed at branch so easily. I would report this to the authorities if I were you and be careful for any other business transacted in your name, such as loans etc. You might want to have a credit check carried out by one or other of the agencies, Experian or the like. Better safe than sorry.
jmar2971 said:
Sorry! Maybe robbed was not the correct word. It is a bit annoying though that the only identification they needed was a bank card and a pin, this got them access to a separate account that is not attached to the debit card. When I went to order a new card I got asked security questions.
The problem is most people whine at being asked security questions and 'being made to jump through hoops to get access to their own money'.V8forweekends said:
Some badass gangsta will be along in a minute to tell you not to be a grass, then someone will say it's like Orwell/Hitler/The Stasi. Meanwhile back in the real world, I hope they can nail the scrote with your help.
Not quite. The badass gangstas are more bugged when someone feels the need to report a car that they 'think' might not be taxed or that they saw their neighbours son smoking pot in town and should they call the police or that there was a party on last Saturday night and that it went on until 3am and it was the end of the world.Theft of bank cards and details from the post and then fraudulent use of the account would hit almost everyone's "Report" sensors, the only ones it wouldn't are those who would just go an break a few legs.
Yep do a credit check. I used to do a check every year (now do it every month with Noddle) and picked up fraud in my name early last year.
Someone at my old address opened a Lloyds/TSB account in my name and went on to apply for a string of payday loans. I found about 2 months into the fraud and I think the person made a total of about £350...bloody amateur.
The toughest part was getting my credit file back to the state it was before the fraud.
Someone at my old address opened a Lloyds/TSB account in my name and went on to apply for a string of payday loans. I found about 2 months into the fraud and I think the person made a total of about £350...bloody amateur.
The toughest part was getting my credit file back to the state it was before the fraud.
Eclassy said:
Yep do a credit check. I used to do a check every year (now do it every month with Noddle) and picked up fraud in my name early last year.
Someone at my old address opened a Lloyds/TSB account in my name and went on to apply for a string of payday loans. I found about 2 months into the fraud and I think the person made a total of about £350...bloody amateur.
The toughest part was getting my credit file back to the state it was before the fraud.
Thanks for the advice I will get a credit report done this weekend. Someone at my old address opened a Lloyds/TSB account in my name and went on to apply for a string of payday loans. I found about 2 months into the fraud and I think the person made a total of about £350...bloody amateur.
The toughest part was getting my credit file back to the state it was before the fraud.
The bank rang again yesterday and said the man should have had more than just the card and pin to get access to the ISA that some form of ID should have also been provided. They are now looking into the branch and what was asked for at the time of the transaction. They also advised that I should have new accounts made for the ISA and the current account.
Also HSBC cancelled my card yesterday as part of the switch so will have to ask the girlfriend for pocket money as I have no cards. A bit of a long week back and forth on the phone to the bank but oh well first world problems I guess. Thing I'm most annoyed with is that he has stolen my new belt!
Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff