Bank Fraud

[jmar2971]

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.

[jmar2971]

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.

[jmar2971]

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]

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...

I have only ever done transfers online so didn't know that was the process in branch.

[jmar2971]

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!

[jmar2971]

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.

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!

[jmar2971]

So more to add to this. I'm working from home today due to new internet been installed. I put my bin bags out this morning thought nothing of it I have just popped outside and someone has ripped a hole in the side to have a little look of my rubbish. Now for me personally rubbish is not a very exciting thing but for some people that is obviously not the case...

[jmar2971]

So more to add to this. I'm working from home today due to new internet been installed. I put my bin bags out this morning thought nothing of it I have just popped outside and someone has ripped a hole in the side to have a little look of my rubbish. Now for me personally rubbish is not a very exciting thing but for some people that is obviously not the case...