12months of (it wasn't me honest) ATM transactions has cost me all my cash

[sweene1j]

Hi,

I have lost all my savings, well it was just about enough to have a sale price kitchen installed. There was 5,000 in about sept/oct 2010.I had to borrow money to cover my direct debits a few weeks ago. I cant believe i have no money and the bank are not really caring. They say that because it is chip and pin its me or someone I know. I have had the card replaced on about 6 occasions. I seem to have completely changed my M.O.

I have banked at the same branch and have been there over twenty years. I have never been in debt with them or even in the overdraft facility. I dont use credit cards and I am quite careful with my cash. Some cash was taken via ATM and its a lot so I rang. I have got nowhere. Its ok because there is nothing left for them to take. I have pleaded with them to see my behaviour pattern over twenty years then this last year or so. I feel betrayed and wonder why I was so loyal. I dont know what to do. Sick of ringing, tired of explaining. The kids are sick hearing about it. I am on the verge of losing my job because i cant mangage to finance some repair work so i can still be a carer.

I have found my documents in weird places. I found a set of two keys in a box, nobody knows who owns the keys, They both fit my front door. I found them nowhere near the door to my house. There is post with my name on it going to a house a few streets away. I have to say I have been frightened that somebody is in the house. I have cpp card and identity insurance, they have been quite unhelpful. Please can anyone help?

[dx100uk]

so what you are saying is that someone is committing identity fraud?

 

i take it that you have not asked for replacement cards and that someone else has done it?

 

if so its fraud and you need to contact the identity teft depy or the fraud dept of your bank

 

you story is understandably confusing to read.

 

dx

[withallmyhart]

Wow thats nasty.

Over how long did the money disappear?

Did you notice the money going down or did it happen to quick to notice?

I had an ex commit cheque book fraud on my current account, order new books and hide my statements. The bank told me straight away to go to the police then the banks fraud department would work with the police.

I would also get your locks changed if I was you, then take those extra keys you found to the police, all the key cutting places will have records of when those keys were cut and police will be able to access those files.

 

I hope you find who has done this to you and get all your money back.

[withallmyhart]

Also I might be wrong with this but I'm sure that some cash points have security cameras on them......... Any one out there know any different then please correct me???

[watchinginvestigation2011]

Also I might be wrong with this but I'm sure that some cash points have security cameras on them......... Any one out there know any different then please correct me???

 

What I thought. Get the police informed asap.

[sweene1j]

Thank you, I have called the police and the locks I had done because I couldn't shut an eye. The bank wont treat it as fraud, there are entries on my credit report that have been ignored. My home screen on the bank flashes with time and location then goes to trans.history. Bearing in mind I dont get the time which would help me prove it was not me, i need to phone them in to fraud one by one and they still dont do anything anyway.

\the worst is that it is so personal when I feel like somebody has been here. I have heard footsteps, well i felt the vibration of the odd step and i am sure that someone is creeping about. It is horrid. Maybe It is because i am on red alert and was being over sensitive. I have no ex who would do this as one is in another country and the other would not have the guts or risk his job. The cards have been replaced when i ring the bank to report strange activity.They stop the card and send a new one. I missed a pin which never came but I rang for a new one.

The TV liscence man came. I have a liscence and I pay DD have done for years. It is like gaslighting, i think that is the name of it. Then I failed my own security over the phone. It is not even cpp are a big let down as is the bank. That i am a customer for over twenty years paid my mortgage, single parent working hard, you think they would put in a wee bit effort. They should have been on the pjhone when my ATM got maxed as I have never done that. seven hundred pounds in two days. Yet they wont believe me.

[sweene1j]

Sorry its been going on since about 12 months ago. I contacted the bank then took the insurance out with cpp. Then in about aug.2010 I called police. I been to P.O. to check on mail. They cannot help, by law they have to deliver post to the address shown. It was a shame that because I could see that activity and if it corresponds with the ATM activity. I can only say I am really at my wits end. It would mean some one is creeping into my bag and into my purse and knows my pin too! well thats only myself. I am a bit deaf but not blind so i cannot see how its happening. My brain starts to frazzle when I think about it because there is no logic in it.

[citizenB]

Which bank is this ?

[sweene1j]

It's the clydesdale bank.

[CPPGroup plc Web Team]

Hi there, It sounds like you are having a completely terrible time and we’d like to try and help. We’ve mentioned your case to our Personal Fraud Experts so they’re expecting your call – please give them a ring on 0844 848 2944‡. Thanks The CPP Identity Safe team ‡ For BT residential customers, calls will cost no more than 6p per minute, plus 12p call set-up (current at February 2011).

[MARTIN3030]

CPP,thank you for your offer to assist,and also for providing evidence of your authenticity to act officially.

We look forward to our member being able to report some good news,and that your intervention will arrive at a conclusion that favours our member.

 

Sweet 1j,please keep your thread updated,where you are able to do so.

[MARTIN3030]

Likewise,we eagerly await the results and findings OF the FSA investigation into CPP.

[sweene1j]

I have to say sorry about that vanishing act, it was purely virtual. I tried and tried to get in to update but ended up getting technical help from the site, so thank you so much!

 

I have been back to the police re the post but nothing can be done. It does seem odd that an imposter has more rights over your name than you do. I think that law is not good. If I go to the P.O. with I.D. I cant have it. So really this fake version of me is being given substance and authenticity by that action. This is not working out as right. I may be confused.

 

CPP, Thank you so much. They just tried to close my case! The entries on my credit report are gone, is that all. Sorry I can honestly say I never paid all that money for a clear report. They never even emailed to alert me to tell me about the linked address having another two entries for that same address.

They couldn't wait to get off the phone. Sitting here on the verge of tears. He said that he had my info there and said I have to go directly to my bank and deal with them. What is it for then all this insurance. I wish what that person a couple of slots up would have been there. Ok is complex, but can they not at least have some empathy. One day you have a few grand, then you find you need to borrow money just to cover direct debits. My head is really thumping. Going for a good cry! Then I will set about for my next round.

I could really do with that cash I paid up I spent on them (CPP) It would be so handy right now.

[MARTIN3030]

Good to see that you managed to get back on the site.

So lets be clear about the response from CPP.

You are saying that you contacted them and they have said,that you have to go to your bank as its for them to deal with ?

 

Is this following you contacting them after they have advised you on here ?

[sweene1j]

Hi

Yes that is right. I called the number and I spoke to a chap called *****. He asked what he could help me with and I said well I do Have a couple of things and I started to explain about the post. Then the Capital One entries appearing on my report from an address that had

 

previously been shown and proven to have had 500GBP in debt . The emails all said that everything was fine. Clearly there are problems. He said as long as the entries are removed from my credit report thats all they have to do? Gobsmacked. You can do that for three $. He tried to get off the phone with me. I Persisted in asking about my card transactions, he said you will have to go to your bank. As I said though they wont treat it as fraud and There I was Left with no answers or options.

 

I obviously never said i was from the site or that is my online ID gone too. I have my art and I think they have enough I may aswell have chucked the money in the bin and cut out the middle man. They are neither use nor ornament. It is a sad day when one is buying insurance to protect and assist should these things occur. For what? they have done zero. I did all the donkey work for thm with the linked address they found out nothing. I cant believe myself. I have got no insurance on an important thing now because i cant manage it. This is something i would never have done in the past but they let me go down to zero pounds then do nothing. So I got cleaned out and CPP and Clydesdale have left my kids and myself high and dry. Shame on them both!

Edited May 22, 2011 by sweene1j
forgot to put pounds sign

[MARTIN3030]

Thank you for the clarification.

 

There appears to be a deafening silence from CPP on here.

[sweene1j]

Well yes, Its been like that in my house for twelve months. The annoying thing is They should be covering me for things like being had and not able to afford to do simple things like pay insurance. My job will go next I wont manage to keep afloat without the reimbursment .

 

I cant believe 20yrs loyalty never in the red ever and never defaulted on fully paid up mortgage. NICE. I dont know what to do but I dont want to say goodbye to my money. Between the two of the m (clyesdale and Cpp) it does not kill them to give me something back. Infact It is Clydesdale bank that don't keep an eye on good loyal customer.

 

The Clydesdale are pushing their preferred insurance and saying it would be the very best price 1,400 gbp annually. I went onto trhe insurers website and put in my details exactly as my policy but put jones as surname. Low and behold I could be insured by that same company for 250 pa. I want to know why this bank have sharks worked into the agenda. So the clydesdale send you out your bank card with a sticker for activation. You then get sucked into this insurance for ID and CPP

 

Well if I add the hundred fir the Id and card insurance along with say twenty quid in calls -to-the five grand missing from the bank and 1400 for home insurance.That is 6,520 that i have nothing to show for. I ean 5000 a year . That is stinking and smells of rats. I dont know what I am to do. plus the address is still receiving post...what next.

[MARTIN3030]

Ok I want to go over some things to be clearer,if you could answer as best you can ?

 

First some questions about the bank.

 

1.Can you say over what period these transactions that were not done by you were ?

Were they all ATM cash withdrawals ?

How many were there in total ?

 

When you first became aware of this how much had been taken ?

How did you inform the bank ?

What did they say ?

Were there any further transactions made AFTER you informed them ?

Are you aware of the locations the transactions were made ?

Have you had access to statements -have you got online banking ?

 

On the questions of mail.

 

Can you show some evidence that mail was sent to another address ?

What was the banks response when you informed them of this -and how did you inform them ?

How many times (to your knowledge) did this happen ?

Were CPP made aware of this ?

 

On the credit file issues.

 

What was the problems there that you talk of ?

How was it resolved ?

 

 

On the CPP agreement.

 

When did you take out this ?

Were you supplied with paperwork-terms conditions etc ?

Who did you deal with -CPP or the bank when this was set up ?

Were you clear as to the protection and cover the agreement provided ?

Was the agreement paid up to date when the problems with the transactions occurred ?

 

 

I think that there needs to be a course of action putting together here.

In all likelyhood I think it is going to require a subject access to both the bank and CPP.

Additionally,letters need drafting to both the bank and CPP,demanding a response.

I will help you with this.

We need to demonstrate clearly that the bank have failed in their duty and responsibility to properly deal with this,and also that the agreement and cover that you believed you were paying for to CPP as insurance/protection,turned out to be worthless to you.

Much will rely and depend on access to information that will assist to that end.

Once we have everything,together with a response from both the Bank and CPP as to what they are proposing to do,we will be better able to plan the course.

There have been cases like this where the FOS have found in favour of the customers.

There have been some high profile cases where the banks have refunded monies to customers who had it taken via unauthorised withdrawals.

Of course they are not known to do so without a fight.

[CPPGroup plc Web Team]

Hi there I'm really sorry you're unhappy with the service you received when you called our helpline. CPP would really like another opportunity to speak to you to work out your next steps and see what we can do to help. Please can you send contact details in a private message through this Forum so that we can get in touch? Kind regards CPPGroup

[MARTIN3030]

What a suprise.

There seems to be lots of invitations but no action CPP.

The clock is ticking and this woman is no further forward-be in no doubt that unless we see some positive steps to deal with this,then you will have to face the consequences.

[CPPGroup plc Web Team]

It is another team within the business that handle our cases so we don't have this lady's details for us to comment on her specific case. For data security we need her to contact us so that we can then contact her and discuss next steps.

[MARTIN3030]

Fair enough.

She is anxious to get this matter cleared up,but is not online at this minute.

I will email her to alert her to your recent posts here.

[CPPGroup plc Web Team]

It is another team within the business that handle our cases so we don't have this lady's details for us to comment on her specific case. For data security we need her to contact us so that we can then contact her and discuss next steps.

[MARTIN3030]

Yes you told this already and I have responded.

Or maybe I am replying to a CPP answermachine here ?

[sweene1j]

Hi

Thank you for all the support.I am caught in a moral dilemna, When I rang them after the message on here, I was tretreated the same as always. If I message through here , they are going to be different. What about all the people worse off than me, oh dear I really need the help. It seems that I have not got much choice but I will say this in advance. I will message them tomorrow morning but I will not be witholding information from the forum. They need to know that. It would have been better to have the problem solved in the beginning instead of deteriorating into this shambles. I have nothing to lose you see. My job is at risk as i need to do essential repairs. I have had deadlines for the work to do be completed. So I am happy to communicate but cpp must be aware that i am receiving support here, so i will use the info if I think it will assist others.